pleased with my new quote

M

monka

Member +
with bell at 20years old, 2 years no claims, 6 points for driving with out due care i got 800 fully comp
 
B

BlackRocket

Member +
FerryScoob said:
I insured my GT with admiral a fortnight ago. It was £190 for a year fully comp and on monday I changed it over to my Grand Cherokee and got a refund of £30 but I am old (26 boo)
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When I tried with Admiral (who were the insurers on my Fabia) they said they didn't cover the Glanza :(
Had to switch to post office which was £430 but i'm 25, 3 yrs no claims, 1 accident (flood which they classed as non fault) and I live in a low crime area (ahh the lovely countryside!) the guy put my mileage per year at 9999 so I got into a cheaper bracket too (I do 10k a year there or there abouts)

Oh and ALL CURRENT MODS are on their list :D

Need to ring them again when I fit the next batch so I can see it going up a little :haha:

Steve
 
Mickster

Mickster

Member +
Its with Bell.co.uk mate. I got a quote of £524 FC but thats with no mods and payed in a lump sum.

My 800 quote is with mods declaired, payed monthly over a 10month flexi bell policy.

M
 
GTti

GTti

Member +
In the uk If some one were to have an accident with a modified car and the mods hadent been declaired the insurer could void the insurance leaving you to sort it out for yourself!! and that could be bloody expencive and then you would most probably get arrested for not having insurance!!
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You're still covered under UK law.


From the point of view of being an Assistant Underwriter for a major insurer i can tell you that any and every modification from standard specification would class as a matterial fact and have to be disclosed to the insurer. Had this not been done then in the even of a claim your cover could be reduced to that of Road Traffic Act only cover (and that's even less that Third Party Only - it's the minimum level of cover legally required in the UK). Alternatively, your insurers could charge you a backdated additional premium for the modifications and deduct this from the amount of any settlement payment to you following a claim - worst case scenario, your car gets written off, you lose your car, claim, end up with no car and actually owing the insurers money (the amount of the additional premium for a modified car could easily exceed the value of the car).

It's got to be best to get this sorted in the 1st place, after all some companies like young drivers, some like mods, some like both, and some like none. It's best to be with the one that suits you form the start rather than try and change mid term when they can also sting you with cancellation charges.

Also, don't forget that if your insurance company cancels your policy because you haven't disclosed a material fact then that cancellation becomes a material fact in itself. Meaning that you have to tell your next insurance company that you have had a policy cancelled by a previous insurer - and most companies won't then insure you. If you don't tell them then this is another reason for them not to pay out / add huge additional premiums / cancel your policy.
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Take a look here for the relevant part of the RTA:

http://www.ukmotorists.com/third page liabilities.asp
 
Corleone

Corleone

Member +
Mickster said:
Its with Bell.co.uk mate. I got a quote of £524 FC but thats with no mods and payed in a lump sum.

My 800 quote is with mods declaired, payed monthly over a 10month flexi bell policy.

M
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Im getting £800 fully comp and thats being 20 with 3 years no claims and no points!!! And no mods declared!

Whats going on?
 
C

curtishorizon

Fresh Recruit
I just renewed my current car with swinton which isnt a starlet. I was wondering if anyone had any experience with these and what their price was because im gonna start looking round for a starlet tomorrow?
 
Sheldon

Sheldon

Malta Area Rep.
yesterday i went at the insurance company to pay my other car. and asked her about mods, if i need to declaior them as you do in the UK. she told that i dont need to pay anythiong extra apart from taing pics of how the car looks and everything after market on it so they know how it was. sounds good if i dont need to pay anything extra :D
 
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