Modifications

[Phreaktwo]

So ive currently got some extra cash spare thanks to a tax rebate and im looking into buying some things for the punto. However being the age i am (18) i'm worried that my insurance premium will rise quite a bit with declared mods.

So does anyone have a rough idea how much i will be expected to pay extra with the following mods on.

Alloy wheels
Exhaust system
Induction kit
Lowering springs/shocks
Window tints
Colour coded bumpers

Thanks,
-Phrk2

 

[5abr3]

So ive currently got some extra cash spare thanks to a tax rebate and im looking into buying some things for the punto. However being the age i am (18) i'm worried that my insurance premium will rise quite a bit with declared mods.

So does anyone have a rough idea how much i will be expected to pay extra with the following mods on.

Alloy wheels
Exhaust system
Induction kit
Lowering springs/shocks
Window tints
Colour coded bumpers

Thanks,
-Phrk2

CC bumpers (so long as they are OEM design just coloured rather than plasitc) and Alloys may be included free on the policy when you notify them (I think alloys are upto a certain value through Endsleigh for example). The only people who can tell you for sure are your insurers though!

 

[Most Easterly Pandas]

:yeahthat:

Give them a ring

 

[Phreaktwo]

Its prob the best idea, need to tell them bout my sporting alloys anyway...

 

[Phreaktwo]

Well ive just given direct line a call and apparently because im under 25 i cant have anything thats classed as a modification on my car... The woman on the phone was saying that they are very strict about things like this and she was even annoyed because she's 22 and cant have a thing.

Will have to now either look for another insurance company or put them on regardless of it not being allowed. Whats the worst that can happen if they find out?

 

[Most Easterly Pandas]

Whats the worst that can happen if they find out?

Your involved in a fatal accident. Your fault. Kill 3 people at approx £1million per death paid out by insurance. Your insurance could be void due to lack for honesty with insurer and you'll be possibly getting part of the very hefty bill!

 

[AppleSei]

you are f***ed if you have an accident

 

[Phreaktwo]

Your involved in a fatal accident. Your fault. Kill 3 people at approx £1million per death paid out by insurance. Your insurance could be void due to lack for honesty with insurer and you'll be possibly getting part of the very hefty bill!

But the fact is i cannot be honest with them as so called 'modifications' are strictly not allowed for under 25's.

Direct line are ********!

 

[maddogmorg]

But the fact is i cannot be honest with them as so called 'modifications' are strictly not allowed for under 25's.

Direct line are ********!

often cheap though. they tell you clearly though that they don't allow modifications of any sort when you take out the policy (though it was for under 21's i think when i had a policy with them)

save the pennys anyway, a punto without cc'd bumpers is a 55? you won't get much gains from an exhaust/induction just keep the car standard and in good quality so the resale value is high, then get yourself something a little more fun perhaps?

i'd imagine CC'd bumpers wouldn't affect insurance policy though.....

 

[Phreaktwo]

Yeah, i guess they are good price. However they didnt say a thing about modifications when i took out the policy...

Im going to shop around insurance companies anyway, see if i can get a good price somewhere else. If i find one i'll change.

 

[Most Easterly Pandas]

Direct line are ********!

I could have told you that before you took the policy out.

It's not a case of not being honest with them, its a case of not modding your car

 

[Phreaktwo]

I could have told you that before you took the policy out.

Who are you insured with? lol

 

[Most Easterly Pandas]

Who are you insured with? lol

Quinn for the Stilo. Why

Was with Endsleigh before when I had the Panda's.

 

[craigb244]

quinn are easy going! this is the second insurer ive had and been with them for 4 years. 4 bikes and a car. most my mods cost nothing and the cheapest... funny thing... my mate who lives down the road, passed test before me on a punto 55. they wanted silly money and wont insure hes bike. very strange (i hear they wont take new customers for motorcycle insurance outside of Ireland now)

imho if you got your bumper colour coded or little things like that it wont matter.

 

[Most Easterly Pandas]

The thing I like most about Quinn is the fact they'll insure me 3rd party on any car not owned by me drive with owner permission because I'm Fully Comp.

Endsleigh and most other insurance companys though won't do this for anyone whos fully comp and under the age if 25!

 

[craigb244]

yeh! they updated the policy for my new bike (from a OLD 350 to a new 600) and upgraded it to tpft and increased the value LOADS for 40quid!

also phone convos are funny cos its like talking to father ted or miss doyle

 

[Most Easterly Pandas]

also phone convos are funny cos its like talking to father ted or miss doyle

Oh god, yea

 

[karbineftw]

Your driving on uk license phreak right?
Well if your not, they will give you an epicly low provisional price then it will shoot up **** loads when you pass. but don't worry about it if you've passed which I'm certain you have so this post is irrelevent. But anyone reading this who hasn't! lol

 

[Phreaktwo]

Your driving on uk license phreak right?

Yeahh, been passed about a year now. Think i'll have to give quinn a ring, see what kind of deal they can do me.