Hello, I am a 17 year old who is wondering what modifications wouldn't effect the insurance.
Thank you, and I am awaiting your response.
Thank you, and I am awaiting your response.
Any modifications a 17 year old first-time driver can have without effecting the insurance?
- Thread starter ThePandaFan131
- Start date
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Any modifications a 17 year old first-time driver can have without effecting the insurance?
Take the hub caps off
Joking apart insurance companies will see anything none standard as a "modification" and a reason to jack the premium up, even a set of nice looking wheels which are certainly not going to reduce your 0-60mph figure.
Most of us have been in your position at that age, realistically though boring, the best advice is to keep your nose down and keep a clean license for a few years to get some no claims bonus.
Insurance premiums are ridiculous these days for youngsters, although logically speaking given that the high risk group is young males below 25 you can see why.
Another bit of advice is if anything is non standard make sure it is written on your insurance policy agreement from them, as if you are involved in an incident you can guarantee anything not declared will be used to invalidate your cover.
Don't get me wrong I certainly did plenty to attract attention and often wonder how I survived, but it was a very long time ago and although insurance was high, it was usually less than the cost of the vehicle unlike today.
If it's a 169 Panda you're thinking of...
13" or 14" alloys or steels as long as they're the correct spec with the specified tyres fitted as per owners' manual
Decent tyres
Decent factory spec brakes
Decent dampers
Sorry to be boring, but I'd agree with Mike, any mods will work out very expensive
Good news is the 169 is a lightweight by modern standards at 860kg, and a lot of fun in standard trim
13" or 14" alloys or steels as long as they're the correct spec with the specified tyres fitted as per owners' manual
Decent tyres
Decent factory spec brakes
Decent dampers
Sorry to be boring, but I'd agree with Mike, any mods will work out very expensive
Good news is the 169 is a lightweight by modern standards at 860kg, and a lot of fun in standard trim
ZaphodB
Established member
See if the ins company offer a discount for black box for a year or two until you get a bit of NCD/experience under your belt, and a bit of a contiguous insurance history.
If you want to add mods you should always notify, some add to the premium , some don't (no rhyme or reason sometimes), but if you speak to them about a mod know they log everything .... and will use any excuse to get out of paying out on claims.
Even asking them about mods can trigger some.
If you want to add mods you should always notify, some add to the premium , some don't (no rhyme or reason sometimes), but if you speak to them about a mod know they log everything .... and will use any excuse to get out of paying out on claims.
Even asking them about mods can trigger some.
Sylvester22
Member
Get creative in racing games like NFS or Gran Turismo, but IRL leave the car stock, rather make sure all MOT advisories are sorted.
We've all been there, want to prove to everyone we're the best drivers on the streets, but there's a reasons why insurance is so high for young drivers.
You share the road with a lot of people, among them many families, so safety first, for them and you as well.
If you get more experience on the road, fact is even after 20 years you can learn new things, and still want to modify, take the car to a race track and have a blast there.
We've all been there, want to prove to everyone we're the best drivers on the streets, but there's a reasons why insurance is so high for young drivers.
You share the road with a lot of people, among them many families, so safety first, for them and you as well.
If you get more experience on the road, fact is even after 20 years you can learn new things, and still want to modify, take the car to a race track and have a blast there.
