Who will insure my stage 1?

Roxman87

Roxman87

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So got my MRC stage 1 tune done the other day now it’s time to sort the insurance out, anyone know any companies that’ll will insure modified cars?
 
Roxman87 said:
So got my MRC stage 1 tune done the other day now it’s time to sort the insurance out, anyone know any companies that’ll will insure modified cars?
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All of them. They'll just charge a bit more. Try Adrian flux.

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RS03_SEN said:
All of them. They'll just charge a bit more. Try Adrian flux.

Sent from my GM1913 using Tapatalk
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Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!
 
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D0C said:
Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!
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That's well decent. My first year they tried to double my premium just for a map. Think that was Debenhams.

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RS03_SEN said:
That's well decent. My first year they tried to double my premium just for a map. Think that was Debenhams.

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I was gobsmacked. I will say that I was half way through my term. But even so, cheap as chips. They’ve been very good in the past, too.
 
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D0C said:
Admiral. Declared my mods (exactly same as yours) and it added about £40 I think!
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Lol Admiral told me no mods so I had to change insurer, go figure!

TX.

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admiral told me all my options fitted at the factory were considered mods!
 
A plan will insure with all and every mod.
 
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Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.
 
terminator x said:
Lol Admiral told me no mods so I had to change insurer, go figure!

TX.

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That’s crazy. I’ve been with Admiral for years and they’ve always been ok.
 
MRC stage 1 as well, new policy with Admiral started today, no one else could get close including all those that advertise as mod friendly.
 
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Ran a quote on compare and turns out ford and elephant are the same price as what I’m paying now lol thought it would be a lot more then anticipated to be honest haha
 
Trying to insure an unmodified off the factory line is really a dice throw. With it being modified is on a another planet. I was quoted as high as 1400 or uninsurable for my London/Twickenham post code. Stuffed the details into gocomp... and found GA at 350. Not only post code lottery, also which month/day.. loaded onto the dice. Wonder, what will happen when I come to renew next year..
 
Mine has gone up every year^ which is nuts considering Year 1 the car was brand new!

TX.

^yes I did shop around.

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Try compare the meerkats.
Declared all my mods.
Insured ok (Brightside) was £100 up on previous though :footy:
 
yeah... Nuts indeed,
hopefully not more than 10%. Wish I had a pay-rise like that every year.. dream on.
 
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I pay £800 ish for Admiral multicar.

That’s for the TTRS with mods declared and a 2013 Golf 1.6 TDI Bluemotion DSG with a learner driver also on it.

Absolutely love the Golf...50-60mpg however you drive it, super smooth gearbox, comfy ride and good tech. A £7k bargain! I wanted a car I was happy leave anywhere, but it still looks really smart and is mint.

I tried every permutation on Comparethemarket. My post code was the cheapest out of all my work colleagues despite them living in “better” areas. I also added my boss on my policy which reduced the premium by about 10%! Finally, putting in my driving licence number also reduced it by about another 10%. It’s really worth playing around with it all while obviously keeping it correct and legal.

I am 30’s, max NCD, no points or accidents.
 
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Forgot, added my Boss to my car to reduce the premium. (wife ):sneakiness:
 
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Ford will insure me for engine tune up to 25% extra power and an air filter for £200 more than normal, £850 can’t complain
 
I used AIB after my existing insurer wouldn’t insure me with the engine re-map! Aged 46, no points and full no claims!!!

AIB quoted cheaper than my existing quote so just cancelled and moved the policy.
 
******** said:
I noticed this as well, it's actually cheaper to add the wife in, even though I'd never let her drive the car... By over £100 as well



Did they demand you have a tracker? They were keen to insure me, but when I got a call back they wouldn't touch my car without as it's over 50k
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No didn’t require a tracker mate.
 
******** said:
Go figure... never seem to get the same quote twice with most insurers :)
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Yeah I know what you mean, I’ve never had a decent quote from Adrian Flux, yet others always recommend them for high performance cars!
 
same here, Adrian flux, Chris Knott did not come through for me either. Initially, was given a comparable quote, then when referred back into the brokers, it all fell apart and could not be honoured. May be having an ageless number plate spooks the underwriters. Its definitely a mystery.
 
AIB were great on our RS3 even with all mods declared.

LV still insure the Golf GTD


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We have 4 unmodded cars. All with Direct Line. cheapest by far, s3 is £400, rs3 is £575, 2 old cars are about £200 each. All full protected NCD, hire car, legal assistance. Noone else came close. They said they may consider mods but no more than 20% extra power. Issue is i would have to get the work done then they quote....no thanks. Anyway, the s3 and rs are still under warranty .

S3 is on an extended warranty - defo worth keep extending as cheaper if you let it lapse - only £400 a year with £0 excess, oem parts and labour, most things are covered (though there are a few exceptions)
 
Well AIB came up trumps again this year, although they had to drop their initial premium considerably to be competitive but hats off for keeping me as a customer!

Cheapest I got declaring stage 1 remap and gearbox tune was £497 with £500 excess with Admiral, AIB £595 with an excess protector included so I was happy to pay that along with their guarantee you can choose any repairer, not going to quibble over £100 on a £50k motor!
 
Walternate said:
admiral told me all my options fitted at the factory were considered mods!
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Mark’s and Spencer wanted to charge me double for adding security to my car, saying it was a mod. Absolute bellends. I cancelled my insurance and went elsewhere, also reported them to the insurance ombudsman. I also ensure they paid the right refund.
 
royalsteve68 said:
Mark’s and Spencer wanted to charge me double for adding security to my car, saying it was a mod. Absolute bellends. I cancelled my insurance and went elsewhere, also reported them to the insurance ombudsman. I also ensure they paid the right refund.
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LOL!

I’ve heard it all now...insurance companies upping premiums because of adding a security feature... :sos:
 
D0C said:
LOL!

I’ve heard it all now...insurance companies upping premiums because of adding a security feature... :sos:
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Yeh it was a month into a policy and I noticed they'd not added the tracker. Wasn't expecting the idiots to increase my policy. Went mad. Got a full refund though.

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Admiral for me, been with them the last few years. To add a stage 1 tune, intake and TCU tune it'll cost £26, including a £9.95 admin fee. You can even add the mods and update things online.

Surprised you've got a tune then days later are thinking about sorting insurance... Braver man than me, I'd have that ready to kick in the day I was getting the map!

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Admiral for me, too. Super cheap with mods.
 
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Admiral wouldn't touch me when I started listing stage 2 mods, I'm surprised to see so many with them. Ended up going with A-Plan on a recommendation, who offered a very competitive price.
 
Do Admiral actually cover the mods though? I was advised that whilst they will insure you with the mods declared they won’t actually pay out should your vehicle be written off for any mods on the car.

Not a big deal I guess if they’re just software updates but if you have cosmetic mods then that could be a problem?
 
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