Did you tell your insurance company when you modded your car?

I am thinking of lowering my Stilo, but I am scared of how much it would increase my premiums.

2003 Stilo 1.6 Dynamic, Orion Grey, 17" Alloys, Dual Zone Climate Control, Aluminum Sills, Clarion ICE

I would as you never know!
Some insurance companies are only interested in engine mods, not really worried even if you spend £10,000 on body mods

"The Not so Fast but Furious"

only added a CD changer & speakers so its not worth the aggro.

if it gets nicked they only cost £150! & if i need to have it inspected it takes 10 mins to get the cd changer out.



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i didn't to begin with, when i was with NUD but they load the premium by 10% per mod with a maximum of 3 mods allowed, now that i am with HIC i can do anything i want except put an extra 10bhp to the wheels.

My insurance company dont increase your premiums with mods that DONT affect the performance!

Well my insurance company increased my premiums when I took it off the road

Steve the geriatric Panda owner and beagle fanatic ...

Hey who u with wimmy?

The Baby With The Brothelmobile

I'm with morethan babysei. Its for ppl like me who are getting on but not quite old enough for saga. THey'll only insure you if you're over 25.

Lead, just ring and ask 'em mate, you never know.

Pete.
Cinq sporting 1242cc
http://mysite.freeserve.com/close_to_cracking_up/
http://autos.groups.yahoo.com/group/Cinqs_and_Seis/
http://www.clubcento.co.uk/

donz im with hic and although you're right that they are really good you still originally pay more for being modified. for instance i pay 500 for my cinq valued 2k and for a seat arosa 16v sport group 5 valued 3500 they only wanted about 40quid more. anyway cant argue with 500 insurance on a modified car!!

if you can afford a stilo im assuming your not a teenager so just tell em it cant cost that much more! did you tell them about your wheels? or were they standard?

Mick
Cinquecento Sporting

The car is actually insured in my girlfriends name, for a couple of reasons. Firstly, I have no NCD as I have been driving a Series 3 Land Rover for quite a long time. As this is on a classic car policy, it doesn't collect NCD. Secondly, what with her being a bird, she is apparently a better and safer driver than me (a bloke), so the insurance is cheaper. (Dispite the fact I have been driving nearly 3 times as long as she has, without incident.)

When we were getting quotes for the car, several of the companies wanted to know about extras, whether they be factory fitted or not. Tescos were the worst. They wouldn't simply value the car at the price we paid for it. You have to tell them everything about the car and every item adds to the premium, so when we added the wheels, air con, metallic paint, the premium just shot up, so we hung up on them.

We are currently with Eagle Star and they have been very good so far. We told them about the optional extras and as they were factory fitted, they were happy and it didn't effect the premium.

2003 Stilo 1.6 Dynamic, Orion Grey, 17" Alloys, Dual Zone Climate Control, Aluminum Sills, Clarion ICE, almost de-badged

Saga? You're joking aren't you? They wanted £184 for my Panda, as opposed to £124 with the AA (fully comp.); peanuts I know in comparison with what you're paying. It seems to me that being 50 is classed as a young driver with Saga

Steve the geriatric Panda owner and beagle fanatic ...

LOL!

Tesco - they're great... £200 cheaper than all the others (even before my 10% staff discount )

..and they don't care what you do... as long as it's legal!

Cinqmeister - The NOS Guzzler in a class of his own
http://www.channel9.tk
'95 Cinquecento SX 0,9l

Can someone tell us an insurance company that doesn't increase premiums for body mods. I'm with Endsleigh and has increased my prems by quite a bit. God it's only a f.ucking MS Design bodykit for Seicento....

thanks

my car has and is gettin more body mods, has blacked out windows(alot are fussy on that), lowered suspension, gettin alloys, and they accept all this, no premium increase and i always thought Mainland UK got it easiest.

Good modded car insurance co's: CIS or HIC (have to be over 19 for HIC though)