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Discussion Starter · #1 ·
I've just bent over and got *****, ohh I mean payed for my car insurance today. £964 TP,F+T for 6 months and I get a years no claims at the end so with my Pass Plus that'll bring my insurance down a bit.

The only problem is that I need to return my car to standard, so airfilter and zorst off 'cause they wont insure modded cars. However will they be really anal about my brakes if I leave them as because I've got EBC pads and discs?
 

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how old r ya matey, on my first car i was payin 1600 quid for a 1.4 astra mk3 and it was a complete shed, when i got ma pass plus i went with norwich union and they knocked my premium from 1600 to 800 just like that :D
 

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Discussion Starter · #3 ·
I'm with "17 to 24", I'm 19 in a month and both my mates are with the same company. James is 19 £1400 comp and Liams 18 £1800 comp on 6 month polices, both have 2003 Saxo VTR's and both have Pass Plus like me. The main thing is my cars group 8 and theirs are group 7.
 

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roverboy said:
I'm with "17 to 24",
WHOOOOOOOOOOOOOOOOOOO

roverboy said:
I'm 19 in a month and both my mates are with the same company
Not A Boy Racer Are You :p.

roverboy said:
James is 19 £1400 comp and Liams 18 £1800 comp on 6 month polices
Why take a 6 month policy out, why not take a year policy out and i bet it would be a hell of a lot cheaper

And if im honest id rather steal a rover 25 than a ****ty platic chitron vtr, normally driven by burberry clad ***** who think theyre car is the dogs danglies with there resistor chips and neons on
 

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Discussion Starter · #5 ·
LOL no i'm not a boy racer (I prefer the term car enthusiast) and chavs are 50 point each on my road kill chart:guns3: . I went on a 6 month policy 'cause I've got a body kit, alloys, springs and some engine mods to go on so I can go to a specialist insurer like Adrian Flux with 2 years no claims when it runs out.
 

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roverboy said:
LOL no i'm not a boy racer (I prefer the term car enthusiast) and chavs are 50 point each on my road kill chart:guns3: . I went on a 6 month policy 'cause I've got a body kit, alloys, springs and some engine mods to go on so I can go to a specialist insurer like Adrian Flux with 2 years no claims when it runs out.
i would fully recommend adrian flux!

21, 4 yrs no claims, rover 200 bubble 1.4, bodykit, induction kit, lowered, strutbrace, alloys, sports exhaust, aftermarket rear lights.... £450 fully comp.

no-one else would touch a modified for sensible money!
 

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Discussion Starter · #7 ·
Crevice said:
i would fully recommend adrian flux!

21, 4 yrs no claims, rover 200 bubble 1.4, bodykit, induction kit, lowered, strutbrace, alloys, sports exhaust, aftermarket rear lights.... £450 fully comp.

no-one else would touch a modified for sensible money!
I know how you feel, by best quote was Zurich £2800 fully comp.
 

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roverboy said:
LOL no i'm not a boy racer (I prefer the term car enthusiast) and chavs are 50 point each on my road kill chart:guns3: . I went on a 6 month policy 'cause I've got a body kit, alloys, springs and some engine mods to go on so I can go to a specialist insurer like Adrian Flux with 2 years no claims when it runs out.
Just make sure that your accelerated "year" of no claims bonus is transferrable, they usually aren't as far as I know.
 

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Discussion Starter · #11 ·
empsburna said:
hang on, nearly a grand for 6 months :err:
What can I say. I'm a young and inexperienced driver but thats the price of freedom. Apparently insurance is at its highest ever and I know this 'cause I sell it.
 

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roverboy said:
What can I say. I'm a young and inexperienced driver but thats the price of freedom. Apparently insurance is at its highest ever and I know this 'cause I sell it.
and even if you stay with the same company your premium will be high after six months - even with no claims that can't be swapped to another company!

nah, forget that.

get a list of all the people in your family you can add as named drivers to try and spread the risk.
 

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Discussion Starter · #14 ·
empsburna said:
get a list of all the people in your family you can add as named drivers to try and spread the risk.
Can't do that tho, Dads had company car for 20 years, my moms had no insurance for 3 years and the last car she had, she crashed and that was mine. I can always try tho.
 

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Discussion Starter · #16 ·
Going back to my original question, my insurance company doesn't insure modified cars so will I have to change my EBC performance pads and discs to standard? Surely this is going to help prevent an accident so I should keep them.
 

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query:::: on churchil car insurance the say "any modification to your car that is not declared, will not be replaced. the car will be replaced to the standard declared in the insurance" or close to it.
does this mean that i can mod my car, not declare it. and if i have an accident all i lose is my mods???
 

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Quinn-direct insurance will not charge you for any cosmetic modifications. this inlcludes lowering the car which is classed as a cosmetic mod if less then 50mm.

I can do any mod I want without charge as long as it does not affect the performance, speed or acceleration of the car. Not sure about brakes though.

The only catch is you will only be covered for standard replacments should the unfortunate happen.

As has already been suggested I would find someone to put on your insurance, girlfriend perhaps, as it tends to lower the premium by a fair bit.

Usually any qualified driver will do, but female is best and sometimes putting a female with only a provisional license can lower the premium.
 

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ashy said:
Quinn-direct insurance will not charge you for any cosmetic modifications. this inlcludes lowering the car which is classed as a cosmetic mod if less then 50mm.

I can do any mod I want without charge as long as it does not affect the performance, speed or acceleration of the car. Not sure about brakes though.

The only catch is you will only be covered for standard replacments should the unfortunate happen.

As has already been suggested I would find someone to put on your insurance, girlfriend perhaps, as it tends to lower the premium by a fair bit.

Usually any qualified driver will do, but female is best and sometimes putting a female with only a provisional license can lower the premium.
Agreed. Im with them. Payed a grand fully comp last Oct. But that was me 21, with no no claims. And with mum and dad on as additional drivers.
 
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