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(Post Link) post #1 of 19 Old 16-04-12 Thread Starter
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Fair insurer for mods

Hi Guys,

I posted this in the GT thread, but it may be best here.

A few weeks ago I saw a thread where one of you had declared quite a few mods to the insurer and got a sympathetic quote.

Aviva have just put my multicar policy up 270, so I need to change. I've a standard spec 1.8 sportwagon and a GT V6 with lowered suspension, a strut brace, a remap that was done before my time.

Cheers
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Greenlight always worked out well for me, all mods declared.
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(Post Link) post #3 of 19 Old 16-04-12 Thread Starter
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Gonna give em a bell, started an online quote but it looks like the no claims can only be used on one car. Need to see if they'll do a multicar quote.
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270! My god, I'd be overjoyed to be paying that!

Be interested what you find out, declaring the modified exhaust on my GTV put the price up by a hundred quid.
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Greenlight are the best by far.
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Quote:
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270! My god, I'd be overjoyed to be paying that!

Be interested what you find out, declaring the modified exhaust on my GTV put the price up by a hundred quid.
Didn't he mean it had *gone up* 240 more than last time ?
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Ah, yes - read that as "up to 270". That does take the **** a bit.

Last time round I found the cheapest quotes were from a couple of the big names, as they had 3 months free, or "12 months for the price of 10" offers on.

The whole modifications thing seems more trouble than it's worth due to insurers in this country - in the US people seem to think nothing of engine swaps, slapping on aftermarket superchargers and the like.
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Sky Insurance brokers are pretty mod friendly too.
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Quote:
Originally Posted by alcooker View Post
Gonna give em a bell, started an online quote but it looks like the no claims can only be used on one car. Need to see if they'll do a multicar quote.
That's right ... NCD on one car so make sure it's the more expensive one to insure obviously.
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give A-Plan a bell, ring their Thatcham branch. They arrange specialist policies for modified cars. In my case, with my TS then GTA, their best price was for a modified car policy but the car had to have at least 3 mods to qualify.
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At least 3?

Wonder if flat blade wipers and an Italian tricolour badge would count toward my total...
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(Post Link) post #12 of 19 Old 20-04-12 Thread Starter
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Ended up with Sky insurance, seemed genuinely interested in helping even though they're on commission. Quote came in at about 830 fo both cars, all mods declared.
20% discount for being on a car forum too.
Spoke to Craig, good Lad.
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Just got an online quote of 720 from Sky - that's actually not bad. Will give them a call when it's renewal time, I think.
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Glad they could help.

When my renewal came through they quoted me a grand. When I told them I was about to have her remapped the premium went to 1,250ish, but with some friendly negotiation I got them back down to a grand with the remap declared. Happy days.
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Quote:
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Glad they could help.

When my renewal came through they quoted me a grand. When I told them I was about to have her remapped the premium went to 1,250ish, but with some friendly negotiation I got them back down to a grand with the remap declared. Happy days.
Care to enlighten us about the "negotiation" as I'm currently trying to do the same.

The only thing about Sky is their rediculous charges should you wish to make changes or even cancel the policy, they've upset a quite a few and therefore have put off a lot of people because of that.
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I was early January and I just pushed them on price and the fact that despite having gained another years NCB my renewal premium has virtually flatlined, suggesting that some other companies were offering just over a grand with mods declared. They went back to the underwriter who agreed to do it all in for a grand.

What are these charges all about then?
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Quote:
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I was early January and I just pushed them on price and the fact that despite having gained another years NCB my renewal premium has virtually flatlined, suggesting that some other companies were offering just over a grand with mods declared. They went back to the underwriter who agreed to do it all in for a grand.

What are these charges all about then?
They charge commision on everything so that gets passed on to the customer, including on refunds! So let's say you take up a policy with them but then call up the next day to cancel, they have been charging people 100+ to cancel as they want their commission. Not only are they charging people significant amounts to make mid term changes but even if you make changes mid term that bring your premium down, they do you a refund on the decrease but have been charging people for then making the refund, shocking business model really.
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Doesn't sound unreasonable - every business has to make money or else it won't be a business for very long.

I have used them for a few years and never had any problems, or felt like they are over charging, and I am someone who changes his cars frequently mid term.

Thanks for flagging it up though as I will definitely check this out at next renewal time.
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Quote:
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Doesn't sound unreasonable - every business has to make money or else it won't be a business for very long.

I have used them for a few years and never had any problems, or felt like they are over charging, and I am someone who changes his cars frequently mid term.

Thanks for flagging it up though as I will definitely check this out at next renewal time.
Nothing wrong with making money but the problem is their charges are not set out in any documentation like other insurance companies so it seems to be whatever they think they can rip you off for. Charging people 100+ to cancel a policy within a few days of purchasing it is rediculous though especially when the policy only cost a few hundred to start with.

They can be a lot cheaper than everyone else though so worth the risk then.
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