hi guys

I am very close to buying one but I am a bit worried how it will affect my insurance. I am just about to have my one year NC so was thinking with the money I save I could stick with the same amount and get an inducation kit. Any way what I am really asking is did it affect you guys insurance by much?

Cheers

juwel-180 said:

hi guys

I am very close to buying one but I am a bit worried how it will affect my insurance. I am just about to have my one year NC so was thinking with the money I save I could stick with the same amount and get an inducation kit. Any way what I am really asking is did it affect you guys insurance by much?

Cheers

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if you declare it yes it will affect your insurance although i would have thought by not much.


the thing you have to decide is whether you think it is necessary to declare what at the end of the day is an air filter.

Carl "Rolf" Dawson said:

if you declare it yes it will affect your insurance although i would have thought by not much.


the thing you have to decide is whether you think it is necessary to declare what at the end of the day is an air filter.

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Rofl get a grip of course it must be declared.

All mods must be declared else the car is NOT insured.

The Beast said:

Rofl get a grip of course it must be declared.

All mods must be declared else the car is NOT insured.

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i know that my point is there are a lot of people that dont and quite a few get away with it.

im not condoning the idea as if you cant afford to insure it then dont do it.

Carl "Rolf" Dawson said:

if you declare it yes it will affect your insurance although i would have thought by not much.


the thing you have to decide is whether you think it is necessary to declare what at the end of the day is an air filter.

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all mods must declaired "by law" else it voids your insurence. as for not increasing you insurence not by much.... that all depends on your age my friend... if your 17 it will sky rocket if your 25 i shouldnt imagion it going up by that much.

Im-Mia said:

all mods must declaired "by law" else it voids your insurence. as for not increasing you insurence not by much.... that all depends on your age my friend... if your 17 it will sky rocket if your 25 i shouldnt imagion it going up by that much.

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please read my above post.

i know it is illegal to not declare any mods my point is a lot of people dont declare them as they cant afford to in which case they shouldnt mod at all.

cost me £16 a year extra for re map an induction

dave said:

cost me £16 a year extra for re map an induction

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Yea but your like old. Someone Rolfs age will cost £200-£300 a year extra.

lol id HAPPILY pay 200 quid for a remap and induction kit! im 22 and every time i check insurence companys for these i get silly quotations!!!! which reminds me if anyone has a recormendation for cheap modified car insurence let me know!... i checked with elephant.co.uk and the said to me "we dont insure your car if you remap it more than 25% of the cars standard bhp" and "that will be another £155 for the remaining duration of your polocy" ....

so i said how longs left on my polocy.

"2 months...."

155 quid for 2 months !!! no thx.... lol... however as a standard GP (well its now on eibachs) its the cheapist i could get....

as for rolf - i agree dont mod your car if you cant afford to insure it. if someone ran into me with no insurence - well id hate to think what id do/want to do to them...

ChrisUK said:

Yea but your like old.

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where that disrespecting dave infraction

dave said:

cost me £16 a year extra for re map an induction

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which insurence company are you with my friend?

direct line, they usless if you're under 25 though

dave said:

direct line, they usless if you're under 25 though

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ah yes and so i have heard. - will have to wait a couple more years for that

however i have heard as a younger driver on an older persons insurence with direct line that is pritty cheap too? ... well an old friend of mine was with them when we where 17 and it was cheaper and a lad i know who is 19 is on his parents polocy through direct line and thats fairly cheap too.... however i odviously want my own polocy as its my car

Try the fiatforum insurance through chris knott. pretty competative, like you I'm 22 0ncb (being a named driver on company policy's till this year). All mods declared on a 1.4 16v Sporting (IG 7) for £770ish Fully Comp if I remember right.

Get lots of quotes first then ring them up and they should beat it!.

dave said:

direct line, they usless if you're under 25 though

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Don't I F**king well know it....they tried to cancel my insurance because I fitted a head unit and an alarm in the end they gave me cover on it for free because I argued it wasn't a performance enhancing mod. Yes thats right I declared a stereo as a mod, sounds silly but if it gets nicked i'm insured for an aftermarket replacement not the crappy normal one.

Also do people who have defected from fiat still qualify for fiatforum insurance? I want someone who will allow mods next year.

I'm 25 in January:woot:

Only had my liscence for 6 months though

No mods for me yet, just save up and collect stuff lol

Thomas_Si said:

I'm 25 in January:woot:

Only had my liscence for 6 months though

No mods for me yet, just save up and collect stuff lol

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Thats annoying...despite you only having been driving for 8 months you'll be able to stay legal with direct line...

I on the other hand have had my license since October 2002 yet will have to wait two years before they will insure me...

StevenRB45 said:

Also do people who have defected from fiat still qualify for fiatforum insurance? I want someone who will allow mods next year.

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No one turns down business.

Cost me £90 for my GSR kit when I had the Stilo