affy
Lifer
how did you get three no claims if licence held for less than a year,
probly my eyes or sumut lol
Declaring Modifications
- Thread starter Jay
- Start date
how did you get three no claims if licence held for less than a year,
probly my eyes or sumut lol
to be honest insuring mods is a waste of time in my eyes. My brother had his gtr done 600bhp and due to another road driver who pulled in front of him (who ran away) lost control under heavy braking as the person pulled out sharp and was way slower. The company have now agreed to give him 4500 or sumfin when he had an agreed value of 12k and like for like cover. Fortunate for him he bought another gtr bog standard apart from rims exhaust and roll cage and someone rear ended hime and they have settled for 8,700. That is a piss take as he bought it for 5k.
So basically if its not your fault then you dont have a thing to worry about as your insurere doesn't come out theirs does so you can claim the full proper value. So be carefull and don't be silly and get the main things insured.
So basically if its not your fault then you dont have a thing to worry about as your insurere doesn't come out theirs does so you can claim the full proper value. So be carefull and don't be silly and get the main things insured.
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faisalgtturbo
Member +
i agree with jabran mostly
anything of value or obvious
declare it
fcuk the rest who cares if u 5e big turbo under there, i know of
people who switch parts before insurance been out to see the car..
visually they check alot more, they are not mech. minded
mods that make u stand out/ look good bump up the price
as u are making more appealing to twockers
lol
faisal
anything of value or obvious
declare it
fcuk the rest who cares if u 5e big turbo under there, i know of
people who switch parts before insurance been out to see the car..
visually they check alot more, they are not mech. minded
mods that make u stand out/ look good bump up the price
as u are making more appealing to twockers
lol
faisal
Shorty
Member +
at 23 with 3 yrs no claims and no crashes been drivin 6yrs this sep driven glanza's for 2 1/2 yrs and still get quotes of 2k fully comp form the likes of flux on a td04 glanza so how do people like 3sgte get cover so cheap when you tell them the mods you have?? the honest ones of us get put over a barrel most of the time!!!!!
Phenom
Member +
It'll b market value plus anything insured on a like for like basis.
Thatz my understanding FWIW...........................................
Adam_Glanza
Member +
not in my case either, they gave me the value that the car was insured for, they didnt matter that they where going for more or less just wat i had it down as.
Kelly
Member +
but surely someone could just buy a metro and insure it for like 8k? and then it gets 'robbed'
Bullet00th
Member +
When you car is stolen the insurance pays out the current market value of the vehicle. Thats how i've always known it.
Kelly
Member +
Adam_Glanza
Member +
well maybe exceptions for that kind of thing, i think it would be fairly obvious that a metro wont be worth that kinda money lol.
skyinsurance
Member +
If any sensible members are reading this, then please please please ignore everything this guy has said above. Pick the right insurer, declare EVERY modification and you are legally covered. Withhold information and you are driving around without insurance. It is as simple as that.
If you pick the right insurer who understand the car and the mods then you will not be charged huge amounts.
If you did have a crah without disclosing ALL of your modifications, the insurer is within their rights to not pay out. If there is damage to a third party the insurer will chase you for the money throught the courts. not the best of advice I'm afraid.
Ollie
Sky Insurance
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skyinsurance
Member +
Nail and head.
aaronw
Member +
i find it very annoying as ive had a renewal quote fron admiral for 660 fully comp. then went to skyinsurance and got quoted 1300 fully comp with td04 on,whch was great, i decided to wait before i installd the td04 and started paying 1160 fully comp,then when i went to add the td04 they wanted 375 ontop...every time ive asked for a quote ive had different figures.
i went to cancel after 2 months as i didnt agree with this figure so was guna leave it in the garage. then .. i called up after paying 295 deposit,and 90 for a months cover they wanted 190 for me to cancel...no other company has charged me to cancel,i was expecting money back,not nearly 500 for 2months cover.
they only upside is they will give me the best quote for a pulsar ive had,but still...im disapionted. ..feel its not worth having it if im paying stupid 1k more for a few mods.
i went to cancel after 2 months as i didnt agree with this figure so was guna leave it in the garage. then .. i called up after paying 295 deposit,and 90 for a months cover they wanted 190 for me to cancel...no other company has charged me to cancel,i was expecting money back,not nearly 500 for 2months cover.
they only upside is they will give me the best quote for a pulsar ive had,but still...im disapionted. ..feel its not worth having it if im paying stupid 1k more for a few mods.
Rob_00
Member +
would mods like coilovers or better brakes etc lower the insurance premium??
btw i have declared all my mods as i would rather be safer than sorry!
coilovers and brakes suggest you will be driving fast and they often look good so will make the car more desirable to steal so your premium will go up