33 replies to this topic

[rosco454]

As stickycream bun has said,best way is to do it by phone as the price your quoted on the net often makes a few assumptions and is often a mile out from the true price even on a standard car.Its not really worth trying on modified on the net.

Im with adrian flux and they basically said most cosmetic/safety upgrades wont effect your policy.The premium increases with regards to the horsepower increse of your engine mods.

[mike.]

Im with footman james, have been for 2 years. £450 it cost me this year... they dont mind what mods you do, so any wheels, any seats, a rollcage and brake setup, they dont mind... i rang up and said can i put a fibreglass front on? they put me on hold and i though uh oh premium increase! but they just said, ill make a note that you are going to... lol

i might have to go to 1275 if its only £100 more!!

hmm well i got told i had to take my rollcage out on my classic policy...

[mini1.3]

im gonna hate it when it comes to insuring me when im old enought and passed my test because they rip young drivers off and im only going to have a standard 998

[minili]

Oh and a Scimitar is a tank.

Or a car made by Reliant


Insurance for young people, especially men, is always going to be a nightmare. Best to ring companies as they can't account for every possibility in an online quote. I'm sure people have already said that but I am lazy!

[Gingerjoe]

im with adrian flux, Im 20, 1275gt , as soon as they new it was a gt, it went up. asif it makes any difference, stage 1 kit, exhaust blagh blagh, I pay 800 quid tp fire & theft, well stoked

[richardsoniscool]

hey, as everyone else has said you gota do some leg work, call round as many companys as you can because its different for everyone. i called adrian flux got quoted like £1200 for an 850 yes an 850, then caled footman james - £500 and a good deal, i think i read somwhere that miniworld whom are with HIC dont charge tooo much for mods

[miniman.matt]

I had this problem insuring my mini, im sure insurance companies have got something against them.

Im 19.. paid £1467 for my 998cc modded mini, (12G295 head, alloys, tints, sound system.. etc), this failed MOT so i sold it on. Ive now got a

1.7 turbo diesel vauxhall astra estate.. I pay £390

I also have a 2.0 litre ford capri... I pay £790

I dunno wht it is with minis but how you can pay more for a 998cc mini than for a 2.0 Ford Capri i will never know, maybe its because the Capri is so quick you miss all the accidents!

a 2l capri isnt exactly quick lol (presuming its a pinto lump or even Zetec, power to weight is poo)

i pay £1098 a year for a b16 vtec mini all mods declared so. Im 22 with 4 years no claims was over the moon with that price.

[AzMaN]

i had a 1380 mini when i was 19 (well 2 months into it) mightly modified, i went with adrian flux in the end, was £1400 tpft which i didnt think was too bad considering my 1.1 205 before it was £1600 fully comp (by the way premiums are cheaper if you put your mum as a named driver, nocked £200 off my recent car, crappy 1.2 corsa )

[01smartc]

Nah fair play.. its not that quick ... but you cant power slide a Mini

[fpsasm]

why did u put a 1380 in then ? why didnt you just tune a 848... it would have been alot cheaper and its not like its hard to get a 848 to accelerate from 0-60 in 9 secs...

[Broomer]

why did u put a 1380 in then ? why didnt you just tune a 848... it would have been alot cheaper and its not like its hard to get a 848 to accelerate from 0-60 in 9 secs...

In insurances eyes a engine modification is a modification, be it a lame 850, or a fire breathing 1380, either way be prepared to bend over.

[Sam]

Try HIC, they insured my 2.0 16v converted 205 when I was 19 for less then most wanted to insure a 1.1 Fiesta.

[mini_mad69]

£70 more for my 1380, classed as a non factory standard engine, it explained I could have put any engine that did not come with it out of the factory.
Try the comparison sites, they all came up with different quotes for me.
Alloy wheels and arch extensions added nothing to my policy either, and air filter/ exhaust added around £20


Try:

confused
compare the market
money supermarket

[01smartc]

I always found the little companies try harder to give you a good quote, mine are from

Quick Fit
The AA

[mattdc2r]

HIC worked for me, although I'm 31, i was still impressed. I'm on a classic policy, all mods declared and limited to 5000 miles a year. they're not taking my No claims into account as I use them on my daily runner. Fully comp costs me £250 ish.

Matt.