Can anyone reccomend an insurance company>?

septic · Post by **septic** » Mon Oct 22, 2007 2:34 pm

Yea man I need to declare my mods. This is my first year of driving and I didn't think I would have modded it as much as I have. I'll just wait for this year's insurance to get completed and hopefully God willing I don't get into any accidents. Then I'll try the companies you guys have mentioned.

Shouldn't be too expensive with the mods declared right?

I'm 22, will have been driving for one year no claims (hopefully) this January and the mods are mostly cosmetic; rims, angel eyes, alloys, grill, front spoiler and possibly a new exhaust set up by then.

NOZ · Post by **NOZ** » Tue Oct 23, 2007 12:12 am

My current insurance is with my bro's mate who's a broker so the guy really helped me out and isn't getting much cut from the policy himself. As soon as he mentioned 'I night be getting alloys' the guys said they wouldn't carry on insuring me if I did. So obviously he told me not to mention it cos everyone else on a standard 16v were giving me Â£3k ball park figures or a straigt 'no'

septic · Post by **septic** » Tue Oct 23, 2007 3:12 pm

Mine's an 8 valve so it shouldn;t be too much I guess. The angel-eyes make such a difference! I still need to get rid of the rest of the orange lights. I bought bl00dy smoked indicators and now I can't find them! Also, how the flip am I supposed to fit those onto my car? Remove the mudflaps? Dubbin is so complicated at times..

NOZ · Post by **NOZ** » Tue Oct 23, 2007 4:10 pm

Removing indicators is easy if thats what you want to know. Can't remember but I think you need to remove grille surround and theres a nut on the top (open bonnet obviously). Then it just slides forward.

mysteryboy · Post by **mysteryboy** » Tue Oct 23, 2007 10:12 pm

NOZ wrote:My current insurance is with my bro's mate who's a broker so the guy really helped me out and isn't getting much cut from the policy himself. As soon as he mentioned 'I night be getting alloys' the guys said they wouldn't carry on insuring me if I did. So obviously he told me not to mention it cos everyone else on a standard 16v were giving me Â£3k ball park figures or a straigt 'no'

Technically failing to mention mods makes your policy void. If it's the alloys in your pic that are in question then not to worry dont think anyone will be stealing them

NOZ · Post by **NOZ** » Wed Oct 24, 2007 1:26 pm

mysteryboy wrote:Technically failing to mention mods makes your policy void. If it's the alloys in your pic that are in question then not to worry dont think anyone will be stealing them

You forgot about the billions of Chavs around East London mate!
Can I just ask if you can see the black spokes in my sig, if you can't then thats why everyone keeps thinking it looks grose cos believe me a lot of people ask about the rims. Twits don't know what the ripspeed logo looks like.

I'l post pics up if I ever manage to get my new rims on. Then everyone'l want to steal em; probably have to use two sets of locking nuts

CraigMK4 · Post by **CraigMK4** » Wed Oct 24, 2007 5:54 pm

If i lived in East London i'd have 4 sets of locking nuts.

Even for my steels.

NOZ · Post by **NOZ** » Thu Oct 25, 2007 12:17 am

My locking nuts always stay with my keys; not in the car glove box or my house! Live in a block of flats on the 3rd floor and my car don't even have an alarm

I sleep with one eye open and run to the window as soon as I wake up lol. Surprised no ones gone for my car in the 9months i'v owned it.

septic · Post by **septic** » Fri Oct 26, 2007 8:52 am

ANd I thought I was the only one who was paranoid. When I got my angel eyes fitted I was driving like a granny for 2 days, so sh1t scared summin might happen to em. Now I drive normally....like a maniac

JoeG07 · Post by **JoeG07** » Sat Oct 27, 2007 12:27 pm

Obviously a lot opf companies will ask "have u ever been refusedan insurance quote." Barclays refused to re-insure my car on the basis thgat it was modded, so do i have to state that, or does it mean refused as in we are not insuring YOU. If that makes sence..

NOZ · Post by **NOZ** » Sat Oct 27, 2007 3:05 pm

Second one I presume. There's quotes which doesn't mean anything but if anyone won't actually insure you then its a different matter. They ask to see if they should risk it if others have done so too. If others have declined then they won't bother either following suite I reckon.

JoeG07 · Post by **JoeG07** » Sat Oct 27, 2007 5:50 pm

i got quoted about 2 and a half grand cheapest quote, absolute p!ss take.

NOZ · Post by **NOZ** » Sat Oct 27, 2007 7:14 pm

so your better off selling it for a grand for example and sitting pretty on the Â£3500 you'l save

JoeG07 · Post by **JoeG07** » Sun Oct 28, 2007 12:55 am

from a financial point of you id think so, but
1) next year when i live off campus ill need a car
2) when im enjoying the stupid amount of time we have off ill need a car
3) I LOVE MY CAR!!

I guess i could get something cheaper and crapper that isnt high insurance and leave it standard... BUT I DON'T WANT TO!! I LOVE MY POLO!

NOZ · Post by **NOZ** » Sun Oct 28, 2007 12:50 pm

Same here, I work two jobs and still can't fund living and my dam car cos everythings expensive for it, mainly the insurance! There's no way I could drive around in a bog standard car, i'll get an itch wanted to do something to it

if everything goes pear shaped then sh*t, i'll just sleep in my Polo