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Insurance for modified minis!


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#16 minislapper

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Posted 28 January 2006 - 02:33 PM

Sorry to hijack this thread but does anyone know if I have to tell my insurance company about changing the interior because I've just bought some buckets, I've looked through norwich union's website and policy but can't find anything about modifying the vehicle.

Need to tell them about the disks and alloys too :nugget:

You must inform your insurance company of any change at all to the vehicle as they may decide to invalidate your policy if you need to make a claim.

It will actually say something along those lines in the wording of your policy somewhere. Probably somewhere in the small print.

And, as I've mentioned on one of the other forums time and time again....will people please find out about agreed value policies before it's too late.

What is the point of spending a fortune modifying and prettifying your car for the insurance company to pay a pathetic book value sum if you ever need to make a claim?????

Well worth the £15 a year (ish) for peace of mind.

And, yes, I am speaking from experience. Had my mini nicked one week off insurance renewal. Nice new agreed value policy waiting to start. Old insurance company (as policy was only fully comp) paid out a pitiful book value sum which they wouldn't budge from even though I sent them similar cars for sale and told them how much time (2 years), effort and money had gone into making it how it was, and I ended up with not even enough money to buy a complete shed.

#17 brad2006

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Posted 01 February 2006 - 01:57 PM

Norwich Union,

Will not charge you for the bucket seats but will for the rest!

brad2006

#18 Lt-SilverDragon

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Posted 01 February 2006 - 02:20 PM

Phoned up about putting disks on before I realised it had them and they said they wouldn't charge any extra so looks like I''ll just have to pay for the alloys. Not gonna claim if it gets stolen, at the moment my no claims discount is more important then the car.

#19 MINImiser

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Posted 01 February 2006 - 02:21 PM

Im with norwich union!!! LOL!! £160 a yr for an induction kit, that seems a bit mad to me! Gonna try Miniworld!

ED

#20 Lt-SilverDragon

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Posted 01 February 2006 - 02:32 PM

Yeah atleast the insurance starts cheap

#21 AlexM

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Posted 01 February 2006 - 08:04 PM

Im with norwich union! They gave me the best quote this year, £200 cheaper than anyone else!! :lol:

I am still appauled at the insurance premiums for young drivers, im thinkin of doing an advanced driving course, i can get 25% off my premuim if i pass!!!! :tongue:

#22 blacktulip

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Posted 01 February 2006 - 08:24 PM

adrian flux seem to be the best for me pricewise but im with miniworld as its nice to be insured by people for the exact make of car and know what your mods mean without you having to judge their knowledge. they also offer free 3 day insurance if u go abroad ie italian job.

#23 Boab

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Posted 01 February 2006 - 08:32 PM

Try this link www.Confused.com and they search 96% of online insurance companies. The quotes are sorted by the cheapest to the unbelievably very expensive, insureandgo but to name one

#24 Jackman

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Posted 01 February 2006 - 10:46 PM

What stuff you you have to declare? Seats, Dash, carpets, radio etc, surly not everything even chrome arches and mirrors?

#25 mini-gti

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Posted 01 February 2006 - 10:56 PM

your supposed to declair everything that is non standard!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
even down to the things that you may see as rediculas




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