Index Page Find us on Facebook  Find us on twitter  Follow our RSS Feed
It is currently Sat Nov 18, 2017 3:36 am

All times are UTC [ DST ]




Post new topic Reply to topic  [ 59 posts ]  Go to page 1, 2, 3  Next
Author Message
PostPosted: Wed Jan 05, 2011 9:15 pm 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
i have my alloys, cat back magnex exhaust and 30mm springs... which affect the insurance or do they all? and how much by?

i will be ringing tomorrow but don't want to drop myself in it incase it's too expensive and i whack them on anyway without them knowing?

thanks, ben (really want to get this stuff, can't wait any longer!)

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Wed Jan 05, 2011 9:48 pm 
Offline
David Dickinson's Naughty Bit
David Dickinson's Naughty Bit
User avatar

Joined: Mon May 25, 2009 9:08 pm
Posts: 8806
Location: Bournemouth
Drives: Fiesta ZS
well your premium will go up but by how much is anyones guess, I whacked "exhaust system changes" on my aviva policy at £100 value and it didn't change.
If you with direct line then they don't do mods for under 25yo so I wouldn't bother ringing.
But yes, you need to have all those declared so that your insurance is valid on the road, make sure you get some locking wheels nuts for your alloys as they will ask whether or not you have some and it will be more costly if you don't

_________________
Image

Image


Top
 Profile  
Reply with quote  
PostPosted: Wed Jan 05, 2011 10:47 pm 
Offline
FSI Poster
FSI Poster

Joined: Wed Apr 14, 2010 2:45 pm
Posts: 616
Location: West Midlands
Drives: Fiesta Si 1.6
as chris says they all need to be declared to the insurance company or they could get arsey if you needed to claim. my company had a mod premium which basicially cost £25-50 which you paid after any modification (meaning your first mod not every mod you do) then the premium would go up depending on the mod you do. some dont have much of an affect others will shoot up tht total.

if you dont want to screw yourself over just ask them when you call them what their policy on modifications are and how much it would cost if you changed... i dont know lets say... alloys, exhaust and suspension. if they say oh we couldnt insure you with those alterations or that would cost $1million then you say oh i guess i wont do that then... no problems. if they say it would cost an extra £50-100 you say that you are going to do them in the next few days and could they add it to your policy so you are declared ready for the mods to be made... bobs your uncle fannys your aunt :thumbsup:

i guess you just got to run the risk if you decide its too costly and you have already done the work :(

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Wed Jan 05, 2011 11:14 pm 
Offline
FSi Donator
FSi Donator
User avatar

Joined: Sun May 23, 2010 5:38 pm
Posts: 634
Location: Haslemere, nr guildford, surrey
Drives: bmw r50 chilli red mini c
when i did mine i put them all down wheels are a mod too stickers painted lights stuff like that also painted hubs i was


Top
 Profile  
Reply with quote  
PostPosted: Wed Jan 05, 2011 11:21 pm 
Offline
FSI Poster
FSI Poster
User avatar

Joined: Sat Jan 16, 2010 2:59 pm
Posts: 819
Location: Romford
Drives: 1994 2 litre Fiesta Si
It also goes by how old you are and were ya live, I declared a exhaust and wheels when I was 17 itncost me an extra £80 but when I changed insurance company for my 2 litre they didn't even charge me nothing for them. :s

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Wed Jan 05, 2011 11:23 pm 
Offline
FSI Poster
FSI Poster

Joined: Wed Apr 14, 2010 2:45 pm
Posts: 616
Location: West Midlands
Drives: Fiesta Si 1.6
who you with now/when you put in the 2L seanny may need to give them a call :lol:

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:38 am 
Offline
Driving Gods
Driving Gods
User avatar

Joined: Sat Mar 05, 2005 1:37 pm
Posts: 7771
Location: Manchester
Drives: C2 VTS
My air filter and exhaust added £6.23 to my insurance!

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:47 am 
Offline
FSI Poster
FSI Poster

Joined: Wed Apr 14, 2010 2:45 pm
Posts: 616
Location: West Midlands
Drives: Fiesta Si 1.6
I know there is an insurance phone directory but i think we should make a feed for people to list the best insurance companies based on price and understanding.

mine are terrible and chris has ruled out direct line unless your 25+

We need to know who isnt going to shaft us come modding time (or the fact we are young)

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:57 am 
Offline
Driving Gods
Driving Gods
User avatar

Joined: Sat Mar 05, 2005 1:37 pm
Posts: 7771
Location: Manchester
Drives: C2 VTS
Admiral

_________________
Image


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 9:33 am 
Offline
Evil Admin
Evil Admin
User avatar

Joined: Tue Dec 21, 2004 8:31 pm
Posts: 13427
Location: Birmingham (near Sutton Coldfield)
Drives: Nissan Pulsar GTi-R
Tesco wanted £400 extra for RS skirts and arches on my Si... :lol:

_________________
Image
Image
Quote Clarkson, Top Gear, 17th July: "I'm not having a stroke... just driving a Nissan!"
Quote Ry, Mallory Park, 3rd Dec: "Ahhhh crap... Just a bit too over eager really!"
"I used to be an adventurer like you, but then I took an arrow in the knee"


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 10:50 am 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
rytio some good advice there chaps. i'm with churchill young drivers and i'm pretty sure they allow mods. but if it's going to cost an extra £100 say i'm going to have to think about that as i'm pushing it already with some of my costs. off to gardening but will be ringing on return so i will let everyone know how it goes... god forbid.

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 11:08 am 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
i am F'ing livid. just rang and apparently it's the same as direct line, don't allow modifications under the age of 25. lets just say i'm very pissed off and now have no idea what to do with everything i have :S all this excitement when stupid me should have checked. completely my own fault but i'm really snookered now. shit...

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 12:08 pm 
Offline
The Sherminator!
The Sherminator!

Joined: Sun Mar 06, 2005 6:10 pm
Posts: 22211
Location: Somewhere
not good :cry:

its not worth the risk driving about with undeclared stuff! if there is anything thats not declared when/if you have a bump your screwed :cry: :cry:


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:53 pm 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
yeah terry exactly what i thought. before i was just going to whack it all on and take the risk, but iwould be screwed if i did have a bump. looks like i'm going to have to sell the lot :( proper gutted. been moping round all morning.

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:55 pm 
Offline
Jap Crew
Jap Crew

Joined: Tue Dec 21, 2004 6:24 pm
Posts: 11184
Location: In the Shires
Drives: Jap Crap
Go with an insurance company that doesn't charge any admin fee's or extra costs for modifications from the start or throughout the policy (except roll cages, turbo's, superchargers, throttle bodies in my case)

There's plenty about! They just don't have the time or money to market themselves compared to the likes of the giants!

_________________
Rest in peace Ben "Jam" Elvin. Gone but never forgotten.


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 1:57 pm 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
yeah i mean when i reinsured with churchill, they were the cheapest by far... i checked all the places in fast ford and they just couldnt beat there price. after this year i'll have to look properly and get recommendations.
my mum is going to kill me too. not looking foward to later.

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 2:06 pm 
Offline
The Sherminator!
The Sherminator!

Joined: Sun Mar 06, 2005 6:10 pm
Posts: 22211
Location: Somewhere
if you plan to keep your fez and still want the mods, just hang onto them. get another ncb and years exp behind you and try modified car specialists

adrian flux were good for me when i first went to them, i converted my si from a 1.6 to a 2.0 after my 1st year of driving :lol: :red:

they did loose out tho as they wouldnt do me any deals when i got the cossie :squint:


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 2:13 pm 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
lmao :P i tried them out! very friendly and helpful but the bloke even said stick with the churchill deal!
good shout but i already have a lot of crap lying about! i might sell the wheels as i have gone off them a bit and keep the springs and exhaust? i'll keep on thinking!

thanks btw everybody!

_________________
Image
fifi


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 2:21 pm 
Offline
Evil Admin
Evil Admin
User avatar

Joined: Tue Dec 21, 2004 8:31 pm
Posts: 13427
Location: Birmingham (near Sutton Coldfield)
Drives: Nissan Pulsar GTi-R
How long you got left on your policy then? Near enough a full year I take it?

It is a shit one, but at the end of the day, there's no point getting screwed over and fucking up your future no claims for the sake of changing the appearance of the car. Even if you old bill pulled you over one day they could turn around and check to see if your mods are declared, and if not, bye bye! :)

Bide your time, do it right, and you'll be laughing in the long run ;)

_________________
Image
Image
Quote Clarkson, Top Gear, 17th July: "I'm not having a stroke... just driving a Nissan!"
Quote Ry, Mallory Park, 3rd Dec: "Ahhhh crap... Just a bit too over eager really!"
"I used to be an adventurer like you, but then I took an arrow in the knee"


Top
 Profile  
Reply with quote  
PostPosted: Thu Jan 06, 2011 2:26 pm 
Offline
Out of the closet
Out of the closet

Joined: Thu Jul 23, 2009 1:40 am
Posts: 6276
Location: Southport
Drives: Ash Black Fiesta si 1.4
cheers des! my thinking exactly. it just means i can work on fixing the mechanical issues first, which should have always been done first! i have a couple of ideas to improve the image without the mods. so i think i will keep the exhaust and suspension and sell on the wheels. looks like the loft will be more jam packed now :D

_________________
Image
fifi


Top
 Profile  
Reply with quote  
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 59 posts ]  Go to page 1, 2, 3  Next

All times are UTC [ DST ]


Who is online

Users browsing this forum: No registered users and 5 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
cron