Guest Gill Posted February 12, 2012 Share Posted February 12, 2012 Help please.... My insurance is up for renewal and my hubby has started modifying my cab. So when I declared the body kit spoiler etc...the price went through the roof......lol. Not even mentioned about wanting it resprayed... Lowest 950 fully comp. Anyone know any cheap insurance companies I can go to that specialise in low cost modified cars.... Please..... Link to comment Share on other sites More sharing options...
Guest Lee81 Posted February 12, 2012 Share Posted February 12, 2012 Adrain flux is your best bet but it will still be expensive. If the kit is standard ford i wouldn't bother telling them as they were available as options so there never going to be able to do anything on that point. Link to comment Share on other sites More sharing options...
Guest ZoeS Posted February 13, 2012 Share Posted February 13, 2012 My insurance is almost 200 a month. I haven't declared the things like the rims and lights etxc etc because I didn't want them anyway so the standard replacements I'd get in a crash wouldn't matter... You got to weigh up wether the spoilers actually worth the extra £x a month or not, and whether you'll still be technically covered if you don't declare it.... Link to comment Share on other sites More sharing options...
Guest no1birdman Posted February 13, 2012 Share Posted February 13, 2012 I pay about 140pds with full recovery on classic car insurance, its a 1986 model , Link to comment Share on other sites More sharing options...
Guest Alanman Posted February 13, 2012 Share Posted February 13, 2012 My insurance is almost 200 a month. I haven't declared the things like the rims and lights etxc etc because I didn't want them anyway so the standard replacements I'd get in a crash wouldn't matter... You got to weigh up wether the spoilers actually worth the extra £x a month or not, and whether you'll still be technically covered if you don't declare it.... You got to be careful not declaring stuff. Insurance companies are well within their rights to void your insurance if you have an accident. If the kit is standard ford i wouldn't bother telling them as they were available as options so there never going to be able to do anything on that point. You've still got to be careful with 'Options'. Insurance companies dont need a big excuse these days to refuse a claim. Insurance companies and their engineers are not daft and if they suspect foul play and think they can get away with paying out thousands they will pay people to investigate. I've known them contact the previous owners before. Sorry for being a square, but i thought I'd give the warnings. lol. Link to comment Share on other sites More sharing options...
Guest ZoeS Posted February 13, 2012 Share Posted February 13, 2012 Thats fair, I can't afford the insurance with out extras right now I need to sort out a second job ASAP, I also have a shopping habit that needs feeding! Link to comment Share on other sites More sharing options...
Admin Paul Posted February 13, 2012 Admin Share Posted February 13, 2012 Thats fair, I can't afford the insurance with out extras right now I need to sort out a second job ASAP, I also have a shopping habit that needs feeding! LOL Link to comment Share on other sites More sharing options...
Guest Paul William Jenkins Posted February 14, 2012 Share Posted February 14, 2012 Mine is 220 a year fully comp on classic,car is a 90g xr3i cabby and I am 36 so more than happy with that Link to comment Share on other sites More sharing options...
Guest demonteddy Posted February 14, 2012 Share Posted February 14, 2012 I Have two cabs the first no mods was £152. Just insured the second £158 with adrian flux. The second has a full rs kit on and different wheels didnt tell insurance because I am taking it all off.(needed to move it off drive so had to tax it) at the moment its too cold to start taking kit off and mot is due end of March so will put it in for that before I take kit off. Does look good with kit on though Link to comment Share on other sites More sharing options...
Guest ZoeS Posted February 14, 2012 Share Posted February 14, 2012 ahhh go away with your cheap insurance! Link to comment Share on other sites More sharing options...
Guest demonteddy Posted February 14, 2012 Share Posted February 14, 2012 I bought the second cab for spares,(did have Mot ant tax and the part I wanted a brand new heated front screen ) but when I went to collect it and saw the condition of it I couldnt break it lol (there both mk4's 88 and 89) So ended up with two The insurance is even without using my no claims thats on my modern ca,r also there parked on the drive I dont have a garage so feel lucky getting it so cheap Link to comment Share on other sites More sharing options...
MarineIguana Posted February 14, 2012 Share Posted February 14, 2012 Wonder if mine will go down much this year now I have a clean license and 1yr's no claims. Link to comment Share on other sites More sharing options...
Guest PhilKing Posted February 16, 2012 Share Posted February 16, 2012 I pay £197 per year fully comp.........1990 XR3i cabby Link to comment Share on other sites More sharing options...
Guest AndrewElliott Posted February 17, 2012 Share Posted February 17, 2012 i pay £700 . 23 on a mk3 cab 1985 its cheeper than my escort van 1600 but iv not got the best past driving history to be fair Link to comment Share on other sites More sharing options...
Guest theprophet1978 Posted February 17, 2012 Share Posted February 17, 2012 because ive never needed too i only passed my test 3 years ago come august, im 33 and have no no claims and 3 points and its £800 a year fully comp, which to be fair i think s pretty reasonable! Link to comment Share on other sites More sharing options...
f40 cab Posted February 21, 2012 Share Posted February 21, 2012 thought id piggyback this one as my insurance is up this year.......... mines gone up £200 this year, im with aidrian flux, 31 years old, d+d 3 years ago, all mods declared, restricted millage to 1500 miles, fully comp. £680, what company is everyone with and price. would be use full. Link to comment Share on other sites More sharing options...
iansoutham Posted February 21, 2012 Share Posted February 21, 2012 I'm with Peter D James for our one. 2 people, aged 32, no no-claims bonus used, unlimited mileage, valued @ £4,500 by the insurance company and we pay £142 for the year with all modification delclared on like-for-like replacement and salvage retention in the event of a total-loss. Any repairs to be done @ a garage of my choice and with only genuine parts fitted unless I agree otherwise. Link to comment Share on other sites More sharing options...
Guest Savage Posted February 22, 2012 Share Posted February 22, 2012 No idea what mine is to be honest. Last year the bill was £800 ish for me fully comp with 2.0 Mondeo, 1.8 mk5b Si cab and 1.6 Mk5b cab. 33, 2 years NCB, through Admiral Multicar. I'm declaring all mods when Juliette comes back from it's latest "tweaks", so that's going to be scary..... Link to comment Share on other sites More sharing options...
MarineIguana Posted February 22, 2012 Share Posted February 22, 2012 Well mine is £1571 with 6 points, no NCB, limited to 5000 miles a year, all mods declared and covered like for like fully comp with Adrian flux. Link to comment Share on other sites More sharing options...
Guest Jay Parrish Posted February 24, 2012 Share Posted February 24, 2012 i have a 1990 xr31 cab £279 a year classic car insurance performance direct Link to comment Share on other sites More sharing options...
f40 cab Posted February 25, 2012 Share Posted February 25, 2012 just an intresting point , ive just canceled my renewel on my cab insurance as its to much to pay for the use it gets but ive just read, the emails they sent me and my no claims bonus is the same. ie not earned another year, after talking to aidrian flux they have now told me "yes thats right you insured it as a classic cover and you dont accumalate no claims bonus's." they never told me this when i took out insurance so be carefull what you get in your policy when you insure on a classic cover. Link to comment Share on other sites More sharing options...
Guest gags Posted February 25, 2012 Share Posted February 25, 2012 (edited) try lancaster insurance Edited February 25, 2012 by gags Link to comment Share on other sites More sharing options...
gingergman Posted February 25, 2012 Share Posted February 25, 2012 yeah you dont get no clams when you use classic car insurance. insurane all depends on so many factors, mainly your postcode. where its kept at night and during the day etc its not all down to the car, going back a few years now when i got my first mk4 cab it was insurance group 16 out of 20, rs turbo was only a group 14! not sure if thats still the same story. ive paid various amounts for mine, 2600 a year (i was 18/19) and as low as about 450 a year the last time i insured the cab, nearly a year ago Link to comment Share on other sites More sharing options...
Guest Paul William Jenkins Posted February 25, 2012 Share Posted February 25, 2012 Well I have a 1990 xr3i cabby in white,totally standard and I am 36 and a hgv driver I pay 212 fully comp 4000 miles classic policy with Chaucer classic,I had never heard of it till a mate said search classic on go compare and confused.com and hey presto cheap as chips Link to comment Share on other sites More sharing options...
Guest demonteddy Posted February 28, 2012 Share Posted February 28, 2012 I'm With Adrian Flux, The first cab I insured Last September came in at £152 3000 miles a year No alarm, Second I have just insured £158 2000 miles a year With thatchem alarm grade 1 How they worked that out is beond me. Then I bought an Orion so changed insurance over from second cab to it. And then sold my first cab so Had to again change the insurance to second cab, ( told then no alarm insurance stayed same price) From the first cab Didnt plan all that lol Each change cost £25 admin fee. all parked on drive Link to comment Share on other sites More sharing options...
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