10 replies to this topic

[asmith366]

so ive been on the phone all day and have got absolutely no where, every company i call wont insure me because of my age and others wont because of the mods which are not massive, all i have is center exit dmt exhaust, cobra seats and sound system, i also have a clifford alarm system professional fitted will this make a difference to it? ive seen some are insured with mainstream companies but when i tried they say they don't insure modified cars! so how are you guys doing it ??? Thanks   

[robminibcy]

I'm 19 with a stage 1 998 with alloys and driving lights. I pay 1100 with go girl. Through compare the market

[ShaunaFTW]

I'm 19 with a stage 1 998 with alloys and driving lights. I pay 1100 with go girl. Through compare the market

What are driving lights?!

OP, loads of places insure with mods whatever age you are. I've got way more and I'm only a year older. I'm with Adrian Flux if that's any help. Are you trying to go through classic insurance or just mainstream stuff? 

Edited by ShaunaFTW, 07 December 2013 - 03:16 PM.

[Mini 360]

Good luck getting any classic insurance under the age of 21    Im a wee bit older, 22 and insured with Highway through HIC.  Agreed value, classic car with limited mileage and all mods declared including engine swap to 1275cc (look at my thread to see the extent of the mods!) and I'm just over £400 fully comp cover for the year.  One of the few things that get better with age.

 

It went down when i said I drove an Integra Type R as a daily driver amazingly enough.  Guy said if I could handle that, a Mini would be easy.  However i crashed the mini

Edited by Mini 360, 07 December 2013 - 03:51 PM.

[ShaunaFTW]

I've got classic insurance and I'm under 25 which seems to be a big thing lately, that and having another car. Adrian Flux have loads of extras too, agreed value, breakdown ect.

[asmith366]

I've tried Adrian flux and they said it needs to be my second car which its not , by the way its a 1275 cooper and I was wondering when you declare the mods because if I try to do it on comparison sites with mods its like running into a brick wall,I've had quotes at 900 fully comp but that's without anymods

Edited by asmith366, 07 December 2013 - 11:39 PM.

[Mini 360]

Declare every single mod you have.  Miss any out and you run the risk of being declined cover in the event of a claim.  Plus any police stop can check to see if its all insured.  If its not, hello fine!

[asmith366]

I will but my problems. Is how to get insured with a mainstream company with mods declared because when I tried last year they didn't want to know ?

[kezzkitkat]

It depends how long you have had your licence and the risk of your area which is really stupid but you probably already know that
And mine quotes were 2100 when i first passed i was 17 at the time then it went down to 1700 after the first month then tryed again when I was 18 it when down to 1000 and now im 19 my quote is 600 and a few pence with go girl and thats declating all mods but my clubman is just under 700 with all mods

[BenCoul]

I'm 19, only in second year of driving, so have 1 year NCB.

1275 with stage 1 kit, alloys with locking wheels nuts, 6000 miles a year, immobaliser, not garaged, **** post code, £1300.
Grahan Sykes, absolutley *******, wouldn't recomend them, but they're the cheapet for me by far! (for me anyway)

When I was 17 though, I had a 998 with ******* load of mods, £2500 cheapest anywhere!!!!! (still Graham Sykes)
Just shows how musch that years no claims makes a difference.

Hope this has helped, and good luck!

[Tahiti Joe]

I'm 20 now, but was 19 when my insurance started. Actually thinking about it, since i've started driving i've never paid more than a 'bag of sand' for insurance!

Current mini is a 1275 Tahiti ltd edition, declared exhaust/intake modifications, uprated discs and pads, Bilstein shocks and red spot cones, fully adjustable suspension setup, internal roll cage, auxiliary gauges, stereo, spotlights, non standard arches... Jheesh there was loads of stuff. Paying around £820 a year, thats with Admiral i think, oddly enough found them through compare the meerkat!