think thats bad heres a list of some other thinkgs that imho should make the car safer and thus less on insurance, but actually do the opposite, RAISE IT!!!
bigger brakes
roll cage
wider tyres (wheater this is safer depends on the situation)
better ligting (in some cases)
lowering
being a mecanic
(for me it tots another 200 quid a year on
)
theres hundreds of other backwards things about insurance but here i will explain a little of the madness:
bigger brakes they assume that they are nt matched to the car otherwise they would be oem and they think you will drive faster if you
think you can stop faster meaning less room to get out of bad situations
roll cage again they assume that if you have one fitted you will feel invincible ad trash your car
wider tyres another case of ive got more grip so i need less room to manovre, however i have explained elsewhere that if you fit tyres too big then they will never heat up and cold tyres dont grip. sure it might look killer but if you fitted 305 wide tyres to your polo (almost impossible if you want any arches left) thn the pressure exerted upon the groung is so small that the car slides easier (eg look at the rally cars on the sweedish rally and they run super skinny tyres to cut the ice and also to build a little temperature)
better lighting they think that if you can see further then you will drive faster (extension of the rule "never out-drive your lights)
lowering they aassume that a better handling car will be driven harder and if it dosent handle better than stock then your even more of a liability
being a mechanic personally i cant see the reasoning behind this one because most mechanics will see a problem before it becomes an issue. however if the policy covers any car driven then the risk raises infinatly because the insurance dosent knw if its an 948cc mint or a dodge viper
i hope that here i have pointed out a few odd things that insurance does but please dont "
forget" to declare any mods because if you fit 19`s and then styack it when the assesor sees your car, i guarante that he will be laughing inside as he tells you where to insert you write off. this is the reason why my insures dont like me as i declare everything down to my foliatec dash trim (usually takes me around 1/2 an hour to declare everything verbally.
but its 6 am and i havnt slept yet (fao josh need a yawn emoticon lol)