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General Effect on Insurance
it will depend on sooooo many things so if your asking out of curiosity fine but if its so you can get an idea for yourself then
it will depend on
age
policy type
modification type
NCB
and so on and so on
for bhp increases adrain flux increse the policy per percent, so if you increase bhp by 10%, then your policy will increase by 10%
It depends on a number of things such as age amongst other things
My Hi Boost Turbo for example costs me £28 a year more than my modified NA cinq. The insurance on my NA was £9 more when i declared the mods but remember i'm an old fart compared to the majority of cinq owners and i own and insure five cars
agreeing a limited the mileage is a good tip for bringing the cost down if you don't do a lot of miles a year
My Hi Boost Turbo for example costs me £28 a year more than my modified NA cinq. The insurance on my NA was £9 more when i declared the mods but remember i'm an old fart compared to the majority of cinq owners and i own and insure five cars
agreeing a limited the mileage is a good tip for bringing the cost down if you don't do a lot of miles a year
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yeah if i do performance mods to my punto (im 17) my insurance will go through the roof
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- Joined
- Jun 28, 2006
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- Points
- 123
Okay bit of background
5years NCB,
male of 28 years
2 cars insured with my name
Limited to 10k miles (both cars, so 20k/year max)
Low crime area post code
Insured for occasional business usage & parking overnight at work with CCTV
Standard Seicento Sporting £178. Add up to 90bhp output (including low boost turbo, though insurance may go up on car rebuild/resale value), standard alloys, lowered & other minor cosmetics it's £209
Standard Cinq sporting £155. Then adding 1.2 16v, nitrous oxide, power up to 182bhp. Up rated brakes , this is rather important to REDUCE the insurance premiums, lowered, 'after market' alloys, striped interior, retro-fit abath body kit, roll cage, buckets etc. £381 & a lot of that is because the insurance company & I agreed the car will be worth £3000 rather than £500.
5years NCB,
male of 28 years
2 cars insured with my name
Limited to 10k miles (both cars, so 20k/year max)
Low crime area post code
Insured for occasional business usage & parking overnight at work with CCTV
Standard Seicento Sporting £178. Add up to 90bhp output (including low boost turbo
, though insurance may go up on car rebuild/resale value), standard alloys, lowered & other minor cosmetics it's £209Standard Cinq sporting £155. Then adding 1.2 16v, nitrous oxide, power up to 182bhp. Up rated brakes , this is rather important to REDUCE the insurance premiums, lowered, 'after market' alloys, striped interior, retro-fit abath body kit, roll cage, buckets etc. £381 & a lot of that is because the insurance company & I agreed the car will be worth £3000 rather than £500.
I have a 11 years on you declared 115bhp on the turbo with agreed valuation of £3K, 6K miles per year and zero no claims on this car (but have maximum on other cars so thay gave me equivalent full ncb discount) cost £178 iirc
Only just renewed the NA yesterday was £135 fully comp, inc business use & 8K miles per year only 4 years NCB on this car but again they applied full ncb discount, it cost 15 quid extra for a £1K agreed valuation
Only just renewed the NA yesterday was £135 fully comp, inc business use & 8K miles per year only 4 years NCB on this car but again they applied full ncb discount, it cost 15 quid extra for a £1K agreed valuation
- Joined
- Jun 28, 2006
- Messages
- 719
- Points
- 123
Found out I'm paying £40 for the privlidge of beingable to 'store' the car at work overnight with no NCB discount on that. Which means <35 more bhp = +25% on the premium, <100 more bhp = +45% on the premium.
