Who's cheap for insurance this year?

JUT · 13-05-2006, 12:21

Got my renewal quote through from Tesco and they want a little over £800, so I told them I wouldn't be renewing. Then had to have a row with them because they said they'd only send me proof of 5 years no claims, as that's the maximum they offer - even though I have been insured without any claims for 9 years!!!!

sorted now though after a bit of jumping up and down.

So I did a confused search and got quotes as low as £378 - but none of the cheap insurers want to touch a car with lowered suspension or a remap.

Cheapest I've found is Flux, who want £688 - FFS, I'm 26 with no marks on my record, a 5000 mile per year limit and 9 years no claims - I put the same details into confused for the old dear's group 18 V8 quattro and it would only cost me £556!!!

From what a few of the insurers said, they have been getting a lot of claims over the last year for vRS's so they are naturally assuming modified cars are going to be crashed, even if like me you have nearly a decade claim-free!!!

So, the question is, who is still mod-friendly towards the Fabia this year? I know for a fact that Admiral, Tesco, Greenlight, Liverpool Victoria and several others are not...

**VRStu** · 13-05-2006, 12:44

Admiral for me.

Mods no problem.

nokiauk · 13-05-2006, 12:54

elephant for me £265 with alloys and lowered susp, on a fabia

JUT · 13-05-2006, 13:00

Quote:

Originally Posted by VRStu

Admiral for me.

Mods no problem.

Very odd, admiral were the cheapest on confused but wouldn't offer cover when I told them what mods I had.

Tom_vRS · 13-05-2006, 13:19

Quote:

Originally Posted by JUT

Very odd, admiral were the cheapest on confused but wouldn't offer cover when I told them what mods I had.

Do a quote online including mods and see what happens. If not give Elephant or bell a go - all the same company and all allow mods.

WeirdKerr · 13-05-2006, 16:23

i was £260 from click cluck (swift) with my wheels declared but i dont have a vRS

Wardy · 13-05-2006, 16:41

Privilege? Else Admiral/Elephant as previously suggested. Those are the ones I've ever used.

Steve

barney_b · 13-05-2006, 17:12

Swiftcover won't cover the mods listed, they'll cover aftermarket alloys and that's about it.

Organist · 13-05-2006, 19:31

Swiftcover dead cheap tho'

JUT · 15-05-2006, 15:33

Quote:

Originally Posted by Wardy

Privilege? Else Admiral/Elephant as previously suggested. Those are the ones I've ever used.

Steve

Admiral won't touch me, nor will Elephant

Don't get it - mods aside, the car is relatively cheap to insure - £378

And my record is spotless for 9 years

Chris Knott are coming up cheapest at the mo at £629.99

And they have said if I find it cheaper elsewhere they'll probably beat it. I hate that, if you can give me a cheaper quote, do it and I'll probably just go with it!!!

Next car I get is going to be fast to begin with, and stick to not modding it. For the miles I do outside work now (only a couple of thousand) I could afford something that drinks, and if the insurance is going to sting me silly, what's the point in having a "cheap" diesel? My mate has a sapphire cosworth with fewer NCB than me, more mods and more miles per year and he pays less. Takes the ****.

ScoobyChris · 15-05-2006, 15:39

Quote:

Originally Posted by JUT

And they have said if I find it cheaper elsewhere they'll probably beat it. I hate that, if you can give me a cheaper quote, do it and I'll probably just go with it!!!

The best quote you've had is £378. You should let them know this and ask how close to it they can get (as you'd like to give them your business)!

Admiral were excellent for me (all mods declared and on the policy documentation) and came in cheaper than Chris Knott's renewal by quite some margin

Did they say why they wouldn't cover you?

Chris

JUT · 15-05-2006, 15:49

Quote:

Originally Posted by ScoobyChris

The best quote you've had is £378. You should let them know this and ask how close to it they can get (as you'd like to give them your business)!

Admiral were excellent for me (all mods declared and on the policy documentation) and came in cheaper than Chris Knott's renewal by quite some margin

Did they say why they wouldn't cover you?

Chris

Admiral said they wouldn't cover a vehicle with as many mods as mine has. So did Elephant. I didn't think I'd done THAT many

They also said lots of modded vRS owners had been stuffing them into things over the past year and subsequently there'd been a big increase in claims, making the car harder to insure. Come on, own up, who made my insurance dear this year???

flatfourburble · 15-05-2006, 15:58

Justin,

I'm sorry to say but that is the case, my current insurer will most likely not renew my policy come october.

They said we of course will try for you but based on the current records it would be no.

Admiral insure my Tomcat with a few mods, which was cheaper than anywhere else.

Have you tried Chris Notts? I'm guessing like me your London post code is not helping much!

JUT · 15-05-2006, 16:13

Quote:

Originally Posted by flatfourburble

Justin,

I'm sorry to say but that is the case, my current insurer will most likely not renew my policy come october.

They said we of course will try for you but based on the current records it would be no.

Admiral insure my Tomcat with a few mods, which was cheaper than anywhere else.

Have you tried Chris Notts? I'm guessing like me your London post code is not helping much!

Yep, so far they are the cheapest - if you call £630 cheap!

Maybe I'm getting tight in my old age, but it strikes me that even with the mods my car should be cheaper to insure that a 300bhp V8 audi quattro! Insurance companies are cheeky b*stards...

flatfourburble · 15-05-2006, 16:19

If it makes you feel any better mine is not alot less. Though if I was to registered the car up at my other half's place it would be £150-200 cheaper!!!

JUT · 15-05-2006, 16:28

Quote:

Originally Posted by flatfourburble

If it makes you feel any better mine is not alot less. Though if I was to registered the car up at my other half's place it would be £150-200 cheaper!!!

I know that's a factor, but still, it doesn't explain the difference between £378 for an unmodded car, and £630 for a modded one, or the fact that I could insure the audi for £556. It's just the mods that they are bending me over for, to the tune of about £250 (or basically a 70% price hike) on top of an unmodified car.

Jokers

I think for a laugh later, I might see what standard cars I can get insured on for less than the Furby. I reckon a UK spec WRX should be easy, maybe a UK spec EVO 7, or integra type R

themightygez · 15-05-2006, 16:32

I'm about to take out a new policy with swiftcover.com on my furby vRS. I'm 22 with 3 years no claims and have been quoted 400 with an 800 quid excess - its the best I've had by a long shot!!

I know what you mean though about strange quotes. Last year before I bought my furby, asda quoted me 637 quid on a 51 plate bug eyed scooby turbo - not even the affordable insurance could help me get around the front end of the car so I had to leave it!!

flatfourburble · 15-05-2006, 16:33

indeed it is a joke, to be fair an impreza wrx isn't much more than my fabia (about an extra £50). I guess my mileage doesn't help though

Spanner · 15-05-2006, 16:33

Elephant do seem good, I was with them for several years and mentioned a few minor mods: air filter and exhaust. There website lists loads of different catagories for mods.

But they struggled to quote anything sensible when mentioning remap/chip last time. As soon as you make a major mod like increase HP by 10-20% then its just silly.

I've contemplated taking of the superchips mod on mine just because it would save me 200 quid on the insurance. I dont drive it any different to if it wasnt chipped!

vrssteve · 15-05-2006, 17:02

For what it's worth, try DNA insurance. I'm 41 with only one years no claims (as I lost mine after two episodes of vandalism in a year on my last car), and I've just served a six month ban for reaching twelve points for speeding four times in three years

. I was expecting a huge premium but got it for £695 which considering everything was only 100 quid more than my previous granny shopper Peugeot 307 when I was still successfully driving - and that was group 5 and I had nine points and no no claims!

Sonic1980 · 22-05-2006, 14:23

If you get the car reampped what does the insurance company want to know? Is it down to the BHp or what?

Im just starting to mod my car - conservatively at first with seat strut brace and PD160 intake - but am wanting to get it remapped close to when warranty expires (in about a year with my mileage).

Thing is I dont want to get it remaped if its gonna cost the earth to insure - is it possible for an insurance comapny to predict your insurance with different variables?

Of course I could just ring up and ask - but that is a phone call away and you guys aren't.

BTW currently with Zurich via Chris Knott...

Thanks

JUT · 22-05-2006, 14:28

Quote:

Originally Posted by Sonic1980

If you get the car reampped what does the insurance company want to know? Is it down to the BHp or what?

Im just starting to mod my car - conservatively at first with seat strut brace and PD160 intake - but am wanting to get it remapped close to when warranty expires (in about a year with my mileage).

Thing is I dont want to get it remaped if its gonna cost the earth to insure - is it possible for an insurance comapny to predict your insurance with different variables?

Of course I could just ring up and ask - but that is a phone call away and you guys aren't.

BTW currently with Zurich via Chris Knott...

Thanks

Most companies band the performance increases into a percentage increase over standard, usually in 5 or 10% bands with an increasing premium depending on how much over the standard output you increase the power - makes sense I guess as it's not really fair to charge the same for a 15% increase as it is for a 30% jump.

In terms of the difference between these bands, well, my remap is quite conservative (standard output was 140 bhp, remapped was 172, so 22% increase roughly speaking, but combined with my other mods, has added two thirds onto my premium, or about £250 to look at it another way. But my car has a couple of other fettlings too...

martyrobertsdj · 25-05-2006, 05:02

Cheapest quote I've found so far was here:

www.theinsurancecentre.co.uk

Obviously no option to tell them about mods online, but they may be worth a shot.

apole · 26-05-2006, 10:18

Try directline on the web. Found them the cheapest for me after lots of searching.

JUT · 26-05-2006, 11:15

Sorted in the end, Chris Knott managed to reduce their price to an acceptable level

13-05-2006, 12:21	#1
JUT Briskodian Join Date: Aug 2004 Location: North London Posts: 1,204 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	Who's cheap for insurance this year? Got my renewal quote through from Tesco and they want a little over £800, so I told them I wouldn't be renewing. Then had to have a row with them because they said they'd only send me proof of 5 years no claims, as that's the maximum they offer - even though I have been insured without any claims for 9 years!!!! sorted now though after a bit of jumping up and down. So I did a confused search and got quotes as low as £378 - but none of the cheap insurers want to touch a car with lowered suspension or a remap. Cheapest I've found is Flux, who want £688 - FFS, I'm 26 with no marks on my record, a 5000 mile per year limit and 9 years no claims - I put the same details into confused for the old dear's group 18 V8 quattro and it would only cost me £556!!! From what a few of the insurers said, they have been getting a lot of claims over the last year for vRS's so they are naturally assuming modified cars are going to be crashed, even if like me you have nearly a decade claim-free!!! So, the question is, who is still mod-friendly towards the Fabia this year? I know for a fact that Admiral, Tesco, Greenlight, Liverpool Victoria and several others are not... __________________ Fabia has SOLD! Weekend car: Cooper Green TVR Chimaera Daily driver: Carmine Red Vauxhall Omega... 2.0 LS... Auto... Estate... with towbar & drinking problem

13-05-2006, 12:44	#2
VRStu Txt Spk Police Join Date: Dec 2004 Location: Hampshire Posts: 21,120 Members Car: Audi S3 Thanks: 195 Thanked 1,046 Times in 928 Posts	Re: Who's cheap for insurance this year? Admiral for me. Mods no problem. __________________ Stu Stu's Websites - http://www.fabia-vrs.com & http://www.octavia-vrs.com Stu's Car - 2008 Audi S3 - Ibis White, Black Optics Pack, Privacy Glass, Auto Bi Xenon Headlights, Rain Sensing Wipers, Bose Sound System, Ipod Prep, GSM Phone Prep, Flat Bottom Multi Function Steering Wheel, Electric Folding Mirrors, Acoustic Parking, Cruise Control, Interior Light Pack, Non Smokers Pack. SWMBO's Car - 2008 Seat LEON TDi Stylance, Black Magic, Sports Pack, Rear Parking Sensors. Something for Weekend - A Patio

13-05-2006, 12:54	#3
nokiauk Briskodian Join Date: Jul 2004 Posts: 255 Members Car: Saab 93 Vector Sport TDI Thanks: 10 Thanked 3 Times in 3 Posts	Re: Who's cheap for insurance this year? elephant for me £265 with alloys and lowered susp, on a fabia

13-05-2006, 16:23	#6
WeirdKerr Briskodian Join Date: Oct 2005 Location: West Morayshire Posts: 790 Members Car: '07 Fabia Estate 1.9 TDI Bohemia Thanks: 29 Thanked 10 Times in 10 Posts	Re: Who's cheap for insurance this year? i was £260 from click cluck (swift) with my wheels declared but i dont have a vRS __________________ Výhodou prostřednictvím technickými

13-05-2006, 16:41	#7
Wardy Broken :( Join Date: Oct 2004 Location: Around Manchester & Cheshire Posts: 11,874 Members Car: Skoda Fabia vRS Thanks: 473 Thanked 384 Times in 371 Posts	Re: Who's cheap for insurance this year? Privilege? Else Admiral/Elephant as previously suggested. Those are the ones I've ever used. Steve __________________ Wardy's Fabia vRS xenons : sunroof : cruise : OEM+ "Racing is life. Anything before or after is just waiting." - Steve McQueen "If in doubt, flat out." - Colin McRae

13-05-2006, 17:12	#8
barney_b Skud Owner Join Date: Apr 2006 Posts: 435 Members Car: Fabia VRS Thanks: 0 Thanked 5 Times in 1 Post	Re: Who's cheap for insurance this year? Swiftcover won't cover the mods listed, they'll cover aftermarket alloys and that's about it.

13-05-2006, 19:31	#9
Organist Briskodian Join Date: May 2005 Location: Southampton, England Posts: 718 Members Car: Skoda Fabia VRS and Skoda Octavia II 1.9 Tdi Thanks: 9 Thanked 16 Times in 15 Posts	Re: Who's cheap for insurance this year? Swiftcover dead cheap tho'

15-05-2006, 15:58	#13
flatfourburble "Bones" Join Date: Jan 2004 Location: Heathrow/Crewe Posts: 5,449 Members Car: Fabia vRS Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? Justin, I'm sorry to say but that is the case, my current insurer will most likely not renew my policy come october. They said we of course will try for you but based on the current records it would be no. Admiral insure my Tomcat with a few mods, which was cheaper than anywhere else. Have you tried Chris Notts? I'm guessing like me your London post code is not helping much! __________________ Oh to have the internet back..................oh have I missed it

15-05-2006, 16:19	#15
flatfourburble "Bones" Join Date: Jan 2004 Location: Heathrow/Crewe Posts: 5,449 Members Car: Fabia vRS Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? If it makes you feel any better mine is not alot less. Though if I was to registered the car up at my other half's place it would be £150-200 cheaper!!! __________________ Oh to have the internet back..................oh have I missed it

15-05-2006, 16:32	#17
themightygez Briskodian Join Date: May 2006 Location: Newport Posts: 344 Members Car: Fabia vRS Thanks: 3 Thanked 5 Times in 3 Posts	Re: Who's cheap for insurance this year? I'm about to take out a new policy with swiftcover.com on my furby vRS. I'm 22 with 3 years no claims and have been quoted 400 with an 800 quid excess - its the best I've had by a long shot!! I know what you mean though about strange quotes. Last year before I bought my furby, asda quoted me 637 quid on a 51 plate bug eyed scooby turbo - not even the affordable insurance could help me get around the front end of the car so I had to leave it!! __________________ Gez http://www.slide.com/r/5JBwR9-47j95A...&view=original rolling on 18's.........smooth and shiny! *SOLD Find me something new!!! *

15-05-2006, 16:33	#18
flatfourburble "Bones" Join Date: Jan 2004 Location: Heathrow/Crewe Posts: 5,449 Members Car: Fabia vRS Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? indeed it is a joke, to be fair an impreza wrx isn't much more than my fabia (about an extra £50). I guess my mileage doesn't help though __________________ Oh to have the internet back..................oh have I missed it

15-05-2006, 16:33	#19
Spanner Briskodian Join Date: Feb 2005 Location: Mid Beds Posts: 429 Members Car: fab vRS Thanks: 0 Thanked 3 Times in 3 Posts	Re: Who's cheap for insurance this year? Elephant do seem good, I was with them for several years and mentioned a few minor mods: air filter and exhaust. There website lists loads of different catagories for mods. But they struggled to quote anything sensible when mentioning remap/chip last time. As soon as you make a major mod like increase HP by 10-20% then its just silly. I've contemplated taking of the superchips mod on mine just because it would save me 200 quid on the insurance. I dont drive it any different to if it wasnt chipped! __________________ Fabia vRS forunner to the Bentley Continental GT Briskoda - Skoda's illegitimate family Mods: Superchip, K&N filter, Eibach springs, FSD dampers, black front grille, Last edited by Spanner; 15-05-2006 at 16:35.

15-05-2006, 17:02	#20
vrssteve Briskodian Join Date: Mar 2006 Location: Exeter Posts: 109 Members Car: 1975 P6 Rover 3500 auto, and Fabia vRS in black Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? For what it's worth, try DNA insurance. I'm 41 with only one years no claims (as I lost mine after two episodes of vandalism in a year on my last car), and I've just served a six month ban for reaching twelve points for speeding four times in three years . I was expecting a huge premium but got it for £695 which considering everything was only 100 quid more than my previous granny shopper Peugeot 307 when I was still successfully driving - and that was group 5 and I had nine points and no no claims!

22-05-2006, 14:23	#21
Sonic1980 Briskodian Join Date: May 2005 Location: A hop and a skip from nowhere Posts: 1,610 Members Car: Fabia vRS - Black Thanks: 3 Thanked 11 Times in 10 Posts	Re: Who's cheap for insurance this year? If you get the car reampped what does the insurance company want to know? Is it down to the BHp or what? Im just starting to mod my car - conservatively at first with seat strut brace and PD160 intake - but am wanting to get it remapped close to when warranty expires (in about a year with my mileage). Thing is I dont want to get it remaped if its gonna cost the earth to insure - is it possible for an insurance comapny to predict your insurance with different variables? Of course I could just ring up and ask - but that is a phone call away and you guys aren't. BTW currently with Zurich via Chris Knott... Thanks __________________ Fabia v/RS http://www.whf.org.uk Wildlife Heritage Foundation - The Big Cat Sanctuary in Kent. Part of the European Endangered Species Programme (EEP) Big Cat Encounter - Want an idea for a great present??

25-05-2006, 05:02	#23
martyrobertsdj Briskodian Join Date: May 2006 Posts: 111 Members Car: Fabia vRS, Corrida Red Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? Cheapest quote I've found so far was here: www.theinsurancecentre.co.uk Obviously no option to tell them about mods online, but they may be worth a shot.

26-05-2006, 10:18	#24
apole Briskodian Join Date: Jun 2005 Location: Berkshire Posts: 40 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? Try directline on the web. Found them the cheapest for me after lots of searching.

26-05-2006, 11:15	#25
JUT Briskodian Join Date: Aug 2004 Location: North London Posts: 1,204 Members Car: Thanks: 0 Thanked 0 Times in 0 Posts	Re: Who's cheap for insurance this year? Sorted in the end, Chris Knott managed to reduce their price to an acceptable level __________________ Fabia has SOLD! Weekend car: Cooper Green TVR Chimaera Daily driver: Carmine Red Vauxhall Omega... 2.0 LS... Auto... Estate... with towbar & drinking problem

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode