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(Post Link) post #1 of 19 Old 22-06-14 Thread Starter
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tuning and insurances

Hi I've seen so many great mods and tuning happening throughout the forum but I'm stumpt on how you get them on the road. The reason is the insurance costs.

I've been looking at starting off with a simple remap with Gus mainly for more torque and better feel ( obviously economy too) which I would love but when I've checked insurance costs, for 20% performance increase it would be an extra 100 but most remaps quote 30% performance increases and for 30% increases I could find about 3 insurers that would insure the car and LV is by a long margin the cheapest but it will still cost me 600 more than I pay now.

Is that normal? How do you guys Who are pushing cars so much get insured? and who's the best to go with if you want to start tuning?
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I found that it was difficult to get insurance with 30% or above. I ended up asking Gus for the increase to be capped at 29% and kept the same insurance company so it wasn't too bad an increase.
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Originally Posted by stuart1714 View Post
I found that it was difficult to get insurance with 30% or above. I ended up asking Gus for the increase to be capped at 29% and kept the same insurance company so it wasn't too bad an increase.
I was wondering if I could set a cap limit, which insurance are you with and how much did you have to pay extra?
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Try Greenlight Insurance - they are members on here and offer a discount. They love modded cars.
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Originally Posted by Chobbito View Post
I was wondering if I could set a cap limit, which insurance are you with and how much did you have to pay extra?
I'm with Esure. It was about 120 extra plus an admin charge.

I first got a quote to take it to 220 BHP and when I asked about 228, they wouldn't do it.
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(Post Link) post #6 of 19 Old 22-06-14 Thread Starter
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Hmm well if I we get 29% more that's 30bhp more so 135bhp which is fine its the extra torque I'll enjoy as I don't do more than 90mph on a good day.

Does your insurance class the torque increase or just the bhp increase? As I'd rather have much more torque than bhp.
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As said above, try a broker who deals in modified cars, you will get a much better deal.

I was with Direct line when the car was standard, but am now paying around 30% less for a tuned and modified car with a specialist broker, and I also have an agreed value so if the worst should happen I won't just get market value.

The only thing I will add is that they dont like just power gains, if you have modified other parts ie brakes(even just better pads) suspension etc to cope with the power it can actually decrease you premium further.

Good luck.
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I'll try discussing it with greenlight, what are other insurers/brokers who welcome tuning/modifications you mention of?
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Google modified car insurance, I got mine through Performance direct, but had quotes off a few companies and they were all cheaper than I was paying for a standard car thorough DL, with more included (European cover breakdown etc)
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Well, the 30% power increase is a bit of a moot point. It depends on what the original car started out at, and rolling roads are not very accurate.

I went with Sky Insurance for mods to my G Cloverleaf. I don't think they even asked me what the power increase was. Sky are a broker and the company I am with are Chaucer. I pay 320, inc. protected no claims. I think that's about 60 more than before, but that includes broker fees and I also added business insurance to that which make up some of the difference. You could try going to Chaucer directly and bypass the broker. I will try that at next renewal.
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To test my own theory I went onto Chaucer Direct but they wouldn't quote me for a modified car. When I took the mods off the quote for the standard car was 424!

Not sure how that works?
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Well, the 30% power increase is a bit of a moot point. It depends on what the original car started out at, and rolling roads are not very accurate.

I went with Sky Insurance for mods to my G Cloverleaf. I don't think they even asked me what the power increase was. Sky are a broker and the company I am with are Chaucer. I pay 320, inc. protected no claims. I think that's about 60 more than before, but that includes broker fees and I also added business insurance to that which make up some of the difference. You could try going to Chaucer directly and bypass the broker. I will try that at next renewal.
I did a search on Chaucer and got through to their direct site, did a quote check and they said they couldn't insure us. When I spoke to their live chat they said it was because of the mod of 26%+ increase in performance and wouldn't give me a max figure they would insure too, instead a guy from there who is experienced in tuning/modding and insurance who I had a good chat with and cleared a few things up for me.

He recommended that I would have to go with a broker and recommended the ones linked to Chaucer and they are Adrian Flux and also REIS (Richard Edward Insurance) so I will give them a go. He was also kind enough to show interest in asking about the Alfa member clubs, talk about his modding exerience and the bug I'll be getting into and give me a contact if I need to speek or get any more advice, top guy
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I tried Adrian Flux and they asked for 430. In fact I think Admiral were cheaper than AF through a price comparison site. AF have some bad reviews on here, but not dealt with them personally.

Let us know how you get on - there is a guy called LJ_GQV on here who has modded his GQV/ Cloverleaf loads, including 300BHP remap, decat exhaust etc. If he is reading, perhaps he (I assume it is a he!) can tell us who he is insured with.
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I tried Adrian Flux and they asked for 430. In fact I think Admiral were cheaper than AF through a price comparison site. AF have some bad reviews on here, but not dealt with them personally.

Let us know how you get on - there is a guy called LJ_GQV on here who has modded his GQV/ Cloverleaf loads, including 300BHP remap, decat exhaust etc. If he is reading, perhaps he (I assume it is a he!) can tell us who he is insured with.
I'll let you know how I get on, I believe sharing information is good for the masses.

I definitely want too hear other peoples experiences and who they went with when getting tuned/modded insurance as it will help others looking to go the same route as I won't be getting the remap until I know how much it's going to cost me first. Sorry money and affordability is a factor as much as I want too get a remap, don't want too get it done and find I have the choice of one insurer that will insure me for like 5k and if I have to claim its gonna cost more than the car to reinsure
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How about a tuning box,dtuk are the best for price/quality,if you get their green box you can pass it off as a fuel saving device,still get a helluva performance increase though,there is a dyno chart on the Astra owners network of a 1.9 ctdi Astra 150bhp standard knocking out 206 BHP with a green box on,no other mods,had a chat with the boss and he said gm/fiat engines respond well to their boxes.
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Hi,
If you wanted to PM me your details I'd be happy to arrange for one of my quotes team to give you a call back if you like.
Regards,
Dan.
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(Post Link) post #17 of 19 Old 25-06-14 Thread Starter
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Originally Posted by RONHULLOCK View Post
How about a tuning box,dtuk are the best for price/quality,if you get their green box you can pass it off as a fuel saving device,still get a helluva performance increase though,there is a dyno chart on the Astra owners network of a 1.9 ctdi Astra 150bhp standard knocking out 206 BHP with a green box on,no other mods,had a chat with the boss and he said gm/fiat engines respond well to their boxes.
It may be an option thanks but I think I would prefer to get it Customised to my needs and get it remapped as I don't just want power increasing in places I wouldn't use it.

Quote:
Originally Posted by [email protected] FLUX View Post
Hi,
If you wanted to PM me your details I'd be happy to arrange for one of my quotes team to give you a call back if you like.
Regards,
Dan.
Thanks, I've sent a pm
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The tuning boxes come with settings you can customize yourself,I forgot to put in my previous post that torque on the dyno readout I mentioned was up by 50nm too so a gain there as well,they aren't just resistors in boxes,they are sophisticted and work well,I,ve used the dtuk stuff and is a good alternative to a remap
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I use a tuning box too - a RaceChip. It works well IMO, but will probably have a custom remap later - when I am out of warranty. I have declared it to my insurance though, and with only a relatively small increase in premium as previously posted.
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