42 replies to this topic

[Tamworthbay]

Can we stop suggesting people don't declare modifications please, it really is stupid advice.
 
If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 
 
Driving a vehicle whilst uninsured will be 6 points plus a fine,
 
6 points in your first 2 years, you will lose your licence and have to retake your test.
 
Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

who are you insured with Harry? You have done a lot of mods to your minis, did it bump the premium up a lot?
 
I notice you edited your post though!

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods.

Saying you'd probably get away with not declaring mods may encourage people not to declare them.
 
Insurance companies aren't stupid, they're aware of tuning mods on the market.
 
And if you kill someone crash investigators will literally take your car apart. If the undeclared mods are a factor you're potentially looking at time for causing death by dangerous driving.
 
The reason young people pay more for insurance, especially on modified cars is due to increased risk.
 
I was paying 800 quid a year when I was 22 (10 years ago) for a 2 litre Hyundai coupe. I know insure a 59 plate Mazda 6 2.2TD for £200. 
 
Drive carefully, build up no claims and keep a clean licence and premiums will fall.

Absolutely, I completely agree with everything you say.
 
But lets get this back to good companies who insure young drivers with modified cars.

Who do you insure yours with Harry? You have done a lot of mods to yours (from reading your posts) did it affect the premiums much?

[Carlos W]

Can we stop suggesting people don't declare modifications please, it really is stupid advice.
 
If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 
 
Driving a vehicle whilst uninsured will be 6 points plus a fine,
 
6 points in your first 2 years, you will lose your licence and have to retake your test.
 
Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

 
I notice you edited your post though!

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods.

Saying you'd probably get away with not declaring mods may encourage people not to declare them.
 
Insurance companies aren't stupid, they're aware of tuning mods on the market.
 
And if you kill someone crash investigators will literally take your car apart. If the undeclared mods are a factor you're potentially looking at time for causing death by dangerous driving.
 
The reason young people pay more for insurance, especially on modified cars is due to increased risk.
 
I was paying 800 quid a year when I was 22 (10 years ago) for a 2 litre Hyundai coupe. I know insure a 59 plate Mazda 6 2.2TD for £200. 
 
Drive carefully, build up no claims and keep a clean licence and premiums will fall.

Absolutely, I completely agree with everything you say.
 
But lets get this back to good companies who insure young drivers with modified cars.

Without the stupid comments about not declaring mods

[Ben_O]

 

 

none mate, i would either unmodify it or dont declare it but that opens can of worms

Well that's not accurate at all.

 

There are companies who insure young drivers with modified cars. I made a list of them as I'll need one, but I can't find it..

 

I dont know how it is now but i cannot image it being cheaper but having bucket seats and spot lights at the front and some alloys pretty much trippled my insurance and that was with Adrian flux i think. But back then i could not even imagine paying 3k for an insurance, to mean cheap insurance for a young driver would be below £1k 

 

No chance! I just had a quote to insure my bog standard 1.1 106 with no NCB and the cheapest i could get was £848 and i'm 29 for Christ's sake! with 12 years driving experience.

I have never paid that much since i first started out and i paid £1450 to insure a standard 1.1 AX!!

 

But at 19 i had several big Mercs and they worked out cheaper  to insure than my mates were paying for punto's and the like 

 

Basically don't bother trying to insure a modified car unless you have plenty of money to blow or rich parents.

Be careful with having a policy in your parents name because if you are only on as a named driver then by law you would have to use the car only occasionally and certainly less than they do and that probably won't be the case.

 

Just get a fiat panda for the first year and build up some NCB 

 

Good luck!

 

Ben

[SamuelR]

I'm 17, I have alloys, spot lights and a new speaker system and its £700... that's on go compare!!

[robminibcy]

I paid 1100 last year for my 79 with exhaust, alloys and driving lights declared with go girl! Don't know what age yours is but I found later minis much cheaper (an 84 would have been 740!)

 

I'm 19 with no no claims (but no claims either)

Edited by robminibcy, 17 April 2014 - 10:08 PM.

[Ben_O]

I'm 17, I have alloys, spot lights and a new speaker system and its £700... that's on go compare!!

I don't get it!

i just went on gocompare for a quote for my standard 106 and it came back at £640.36 with tesco as the lowest.

 

I swear they make it up as they go along

[filski]

 

 

 

none mate, i would either unmodify it or dont declare it but that opens can of worms

Well that's not accurate at all.

 

There are companies who insure young drivers with modified cars. I made a list of them as I'll need one, but I can't find it..

 

I dont know how it is now but i cannot image it being cheaper but having bucket seats and spot lights at the front and some alloys pretty much trippled my insurance and that was with Adrian flux i think. But back then i could not even imagine paying 3k for an insurance, to mean cheap insurance for a young driver would be below £1k 

 

No chance! I just had a quote to insure my bog standard 1.1 106 with no NCB and the cheapest i could get was £848 and i'm 29 for Christ's sake! with 12 years driving experience.

I have never paid that much since i first started out and i paid £1450 to insure a standard 1.1 AX!!

 

But at 19 i had several big Mercs and they worked out cheaper  to insure than my mates were paying for punto's and the like 

 

Basically don't bother trying to insure a modified car unless you have plenty of money to blow or rich parents.

Be careful with having a policy in your parents name because if you are only on as a named driver then by law you would have to use the car only occasionally and certainly less than they do and that probably won't be the case.

 

Just get a fiat panda for the first year and build up some NCB 

 

Good luck!

 

Ben

 

Bwah  £848 and i'm 29 that surely cannot be right, i mean even if you have no ncb, being 29 and surpassing 21 age bracket as well as 25 surely that should be much lower even without ncb, really odd

[Ben_O]

That's what i thought!

 

Just had a play about with the part about your job and if i tell them i am an office worker, it goes right down! but still more around the £500 mark.

 

Ben

[Carlos W]

That's what i thought!
 
Just had a play about with the part about your job and if i tell them i am an office worker, it goes right down! but still more around the £500 mark.
 
Ben

Why is yours so much?

[HarrysMini]

Can we stop suggesting people don't declare modifications please, it really is stupid advice.
 
If you have a crash (regardless of fault) and the insurance company find the car has undeclared modifications they will invalidate your insurance, 
 
Driving a vehicle whilst uninsured will be 6 points plus a fine,
 
6 points in your first 2 years, you will lose your licence and have to retake your test.
 
Then try getting insurance

Only one person has suggested not declaring modifications, and I don't think he was being serious.

who are you insured with Harry? You have done a lot of mods to your minis, did it bump the premium up a lot?
 
I notice you edited your post though!

I did. But that I was only highlighting my last point, that I don't suggest you do not declare mods.

Saying you'd probably get away with not declaring mods may encourage people not to declare them.
 
Insurance companies aren't stupid, they're aware of tuning mods on the market.
 
And if you kill someone crash investigators will literally take your car apart. If the undeclared mods are a factor you're potentially looking at time for causing death by dangerous driving.
 
The reason young people pay more for insurance, especially on modified cars is due to increased risk.
 
I was paying 800 quid a year when I was 22 (10 years ago) for a 2 litre Hyundai coupe. I know insure a 59 plate Mazda 6 2.2TD for £200. 
 
Drive carefully, build up no claims and keep a clean licence and premiums will fall.

Absolutely, I completely agree with everything you say.
 
But lets get this back to good companies who insure young drivers with modified cars.

Who do you insure yours with Harry? You have done a lot of mods to yours (from reading your posts) did it affect the premiums much?

Mine isn't on the road yet, hence why I'm interested in finding some companies that will insure young modified drivers.

[Covert]

Dont forget it works on postcodes too, plus what you do for a living, how old you are , how long you have held a license for, its a numbers game , for me it seems more like pluck a number out of the air.
I used to have modified fords , paid huge amounts to insure them, now i dont modify at all.
Its not worth it ,insurance companys will try and wiggle their way out of everything these days so they dont have to pay out.

[Ben_O]

 

That's what i thought!
 
Just had a play about with the part about your job and if i tell them i am an office worker, it goes right down! but still more around the £500 mark.
 
Ben

Why is yours so much?

 

because of this new rule where you loose your no claims if you don't hold a policy for a particular time. i think it's 2 years.

Back in 08 i sold my Merc and then went on my father in law's policy as i couldn't afford my own car and used his Volvo.

Then i got my own policy again in 2010/11 ish and just managed to build up 3 years NCB and then i made a claim because of the flood and they kindly told me they had not protected my NCB and had no record of me ever asking them to which was total BS but i can't prove it unfortunately and like a fool, i didn't check over the policy docs accurately enough. So there is a good lesson to everyone. Always thoroughly look over your documents to make sure they have made no mistakes.

 

Ben

[kezzkitkat]

Who's the best insurance company for a young driver with a heavily modified Mini? I live in a fairly quiet location and will be doing low mileage

What do you call heavily modified mini ? What have u done , and without being rude how old are you ?