Insurance

mr_turbo · #1 30-10-2007, 22:24

hey people just wondered where and how much people are payin on insurance im about to renew mine
this year i paid £1134 fully comp im 21 with no no claims been driving 4 years that was with tescos! and not declearing everything

i rung adrian flux this week they cnt offer me anything near that even with a years no claims

30psi · #2 30-10-2007, 23:49

Your not truly insured if you haven't declared everything.

Try performance direct too, but it could be that your a young driver, I was paying near on to a grand for a few years in my old S12.

mr_turbo · #3 31-10-2007, 00:56

i know but i not sayin i havea t28 etc no chance on gettin insured they rape me as it is!

Strong-Soul · #4 31-10-2007, 02:37

I just paid £376.00 with lancaster insurance for my S12 unmodified kept in a garage I dont have any NCB but I am 29, I got this qoute using insure supermaket.com

But if you have mods you better declare, or you may find your self behind bars in a worse case senario, I use to work for an insurance company, they will use any excuse not to pay out when they can!

try sky insurance they quoted cheap for a 21 year old who got insured on a supra with loads of mods,

PukkaSilvia · #5 31-10-2007, 07:41

my s12 was always insured as standard lol.

s12s are stupid money to insure. more than my r32,pulsar, an rx7....

30psi · #6 31-10-2007, 07:46

Without declaring the mods you wont be truly covered for all instances, so your paying to be not insured.

mr_turbo · #7 31-10-2007, 08:48

not reali they find any excuse not to pay anyway!! no one insures everymod its impossible plus on my last car wen i told then about my alloys and exhuast they sed u dont need 2 tell us as the alloys where the same size as standard and the exhuast didnt increase power

30psi · #8 31-10-2007, 09:08

If you smash into a bus stop and its shown that the accident wouldn't have happened to the same level or degree without the modifications then you won't be covered.

Insurers used to not pay out even if you didn't tell them about a cone air filter, but now the mods need to be accountable for the severity of the accident. So if you have a small prang its not going to make any odds but anything that would have been worse by the modifications make it a different story.

Your risk, but I would ask for a quote for the additional mods to see what they increase it by.

Also goes for theft too, the mods will make it more likely to be nicked.

Its just that in my eyes you're paying money not to be truly insured.

sideways danny · #9 31-10-2007, 13:06

insurance companies do check forums VERY regularly by the way

PukkaSilvia · #10 31-10-2007, 22:17

I wont be giving them any members details