[tomwh85]

I have just done a quick go compare search for my insurance which is due for renewal at the end of the month.

I have put in all my modifications and it came up blank saying unable to insure due to mods?
WTF??????

Who are you with?

Do I just not inform them about mods?

[Dann]

I'm with admiral on a multicar policy with my OH. My e36 had lots of mods and admiral knew about them. I just rang up and told them

[tomwh85]

Originally Posted by Dann

I'm with admiral on a multicar policy with my OH. My e36 had lots of mods and admiral knew about them. I just rang up and told them

Cheers ill give that ago, seems that the comparison sites won't touch me

[cfc67]

I struggled to get anywhere near a decent quote when I let insurance companies know about my remap and dpf removal.

I managed to get my current insurer to give me a renewal of £500 with the above declared , I was getting quotes of 1-2k with the remap.

I'm with cornmarket insurance as they have a policy for HGV drivers that takes HGV entitlment as a plus point.

[richk84]

Adrian Flux - all mods declared and the cheapest 2 years in a row for me

[Bbbeemer]

In the past I have had a very good quote from Sky with a heavily modified car

[tomwh85]

Originally Posted by richk84

Adrian Flux - all mods declared and the cheapest 2 years in a row for me

I'm trying them next I think..

[tomwh85]

Originally Posted by Bbbeemer

In the past I have had a very good quote from Sky with a heavily modified car

I've just texted my mate at work who mods his car and thats who he's with so that'll be worth a go.

[tomwh85]

Originally Posted by cfc67

I struggled to get anywhere near a decent quote when I let insurance companies know about my remap and dpf removal.

I managed to get my current insurer to give me a renewal of £500 with the above declared , I was getting quotes of 1-2k with the remap.

I'm with cornmarket insurance as they have a policy for HGV drivers that takes HGV entitlment as a plus point.

That's a good renewal price, I'll give them a Google

[un1eash]

Admiral multicar with mods on one of the cars.

[scotty]

police mutual

[tomwh85]

Originally Posted by ScottMeikle

police mutual

Don't fit the criteria unfortunately

[Ess]

Admiral Multicar ended up more expensive for me than insuring our two cars with them on separate policies Having said that, they have always been the cheapest for me, all mods declared. Just be wary, as they will try to sting you left right and centre. Every time you make any change to anything they will charge you about £25 "admin fee".

I tried Adrian Flux having heard good things and they hilariously came up at £2k+, then were not even remotely interested in discussing the quotes and my options further.

[makkan00]

Originally Posted by richk84

Adrian Flux - all mods declared and the cheapest 2 years in a row for me

Are they not the one who requires photos of your car from all 4 corners, interior and odometer readings?

If they are same, then out of my books. Too much of hassle doing all that.

[richk84]

Originally Posted by makkan00

Are they not the one who requires photos of your car from all 4 corners, interior and odometer readings?

If they are same, then out of my books. Too much of hassle doing all that.

Didn't have to take any photos, declared all my mods online. I did have to let them know my current mileage but just online, no photos once again.

[JP.Williams]

elephant have been awesome for me for the last 3 years

[tomwh85]

So Adrian Flux and admiral seem to be the favourites.

[russ9898]

I found A-Plan brilliant this year. Very competitive price and cover wise.

[Ess]

Originally Posted by JP.Williams

elephant have been awesome for me for the last 3 years

Elephant is part of Admiral. I hope they see your kind words, they can't get that sort of comment too often!

[makkan00]

Slightly off topic.
Do you guys prefer to pay high premium with zero voluntary excess or you pay slightly less premium by adding voluntary excess.

For example, if I add £250 voluntary excess then my insurance goes down by £60.

What is general consensus on this?

[Ess]

Originally Posted by makkan00

Slightly off topic.
Do you guys prefer to pay high premium with zero voluntary excess or you pay slightly less premium by adding voluntary excess.

For example, if I add £250 voluntary excess then my insurance goes down by £60.

What is general consensus on this?

I would never claim on the insurance unless the car was a write-off as they just slap your premiums up and will recover the money they paid you over the next few years. Then you have to declare that you made a claim in the last X years to new insurers, and you get shafted for the foreseeable future. Great.

With that in mind, I crank the excess up for a lower premium. There is an "optimal" excess where if you increase it higher, the premium stops going down. I'm not going to claim unless it is a serious amount of cash, so why not?

Insurance is a licence to print money. "Oh you have a small sticker in the back window Sir? No problem at all, but I should inform you that counts as a modification so we will charge you an additional £60 per year, on top of the £25 admin charge to cover the expense of me typing two numbers into the computer to increase your premium".

[Dann]

Originally Posted by Ess

Admiral Multicar ended up more expensive for me than insuring our two cars with them on separate policies Having said that, they have always been the cheapest for me, all mods declared. Just be wary, as they will try to sting you left right and centre. Every time you make any change to anything they will charge you about £25 "admin fee".

I tried Adrian Flux having heard good things and they hilariously came up at £2k+, then were not even remotely interested in discussing the quotes and my options further.

Unless you moan and then they waive the £25 fee. Which I've done many times.