GeorgeW Posted May 28, 2017 Share Posted May 28, 2017 Trying to insure my 350z, without mods I get quotes of 300-400 pound, add a body kit, spoiler and exhaust and it goes to 1k - is this normal?! I don't understand where this extra £600 is coming from? Is there a particular insurer who is good or mods? I am with Sky at the moment (finishing from having a BMW) and they want £890 for it, so won't be renewing with them.. Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted May 29, 2017 Share Posted May 29, 2017 Yep it doesnt really make any sense that those cheaper than oem parts would make it more to insure and as we all know an exhaust doesnt make it faster. Quite a few on here though have managed to find sensible insurance companies who arent loading policies willy nilly, have a search through. Quote Link to comment Share on other sites More sharing options...
PPod Posted May 29, 2017 Share Posted May 29, 2017 Try admiral they were £5-£10 extra for each mod for me. Do online quote then phone up with your reference number then go over it with them. Quote Link to comment Share on other sites More sharing options...
Jake.Lowther Posted May 29, 2017 Share Posted May 29, 2017 (edited) Try admiral they were £5-£10 extra for each mod for me. Do online quote then phone up with your reference number then go over it with them. lol I'm with admiral and I'm trying to leave since they're charging ridiculous prices. They quoted me £200 increase for an air filter and a back box. Edited May 29, 2017 by Jake.Lowther Quote Link to comment Share on other sites More sharing options...
Tim BW Posted May 29, 2017 Share Posted May 29, 2017 Please try our scheme Quote Link to comment Share on other sites More sharing options...
PPod Posted May 29, 2017 Share Posted May 29, 2017 Try admiral they were £5-£10 extra for each mod for me. Do online quote then phone up with your reference number then go over it with them. lol I'm with admiral and I'm trying to leave since they're charging ridiculous prices. They quoted me £200 increase for an air filter and a back box. That's crazy. I've been with them for 3-4 years each year with all mods declared under £400 Quote Link to comment Share on other sites More sharing options...
GMballistic Posted May 29, 2017 Share Posted May 29, 2017 I'd say to give Adrian Flux a ring George as they were the cheapest I could find when I had my modified (supercharged) 350Z. They are a brokers so it may be different now and last time I tried them they were too expensive for my current car but I'd say give them a ring to find out. Link: http://www.350z-uk.com/forum/189-adrian-flux/ Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted May 29, 2017 Share Posted May 29, 2017 Try admiral they were £5-£10 extra for each mod for me. Do online quote then phone up with your reference number then go over it with them. Admiral are entirely pointless for a modified car, they will only return to standard and will not replace any modifications at all. They will however charge you for the privilege of not doing so though, which is nice of them. Quote Link to comment Share on other sites More sharing options...
Jay84 Posted May 29, 2017 Share Posted May 29, 2017 (edited) I found a picture of an insurance premium calculator... It was dice but the picture link didn't work. Edited May 29, 2017 by Jay84 1 Quote Link to comment Share on other sites More sharing options...
valy Posted May 29, 2017 Share Posted May 29, 2017 I'd say to give Adrian Flux a ring George as they were the cheapest I could find when I had my modified (supercharged) 350Z. They are a brokers so it may be different now and last time I tried them they were too expensive for my current car but I'd say give them a ring to find out. Link: http://www.350z-uk.c...89-adrian-flux/ Yes,quite a few of us have moved to Adrian Flux for modified cars and their prices are quite good compared to the market offers Quote Link to comment Share on other sites More sharing options...
GeorgeW Posted May 29, 2017 Author Share Posted May 29, 2017 Ok great, I think I will ring Adrian flux tomorrow and see how i get on. I expected to get it cheaper this time seeing as I had a skyline and didn't die during owning it, so it should count for something! Quote Link to comment Share on other sites More sharing options...
TT350 Posted May 29, 2017 Share Posted May 29, 2017 Beats me. I can no longer get insured at all. Look out for a TTZ in the 'for sale' section soon. Courtesy of the insurance industry. 1 Quote Link to comment Share on other sites More sharing options...
Tim BW Posted May 29, 2017 Share Posted May 29, 2017 Did you try our scheme? Quote Link to comment Share on other sites More sharing options...
TT350 Posted May 29, 2017 Share Posted May 29, 2017 Did you try our scheme? I'll give it a go! Won't be holding my breath though! Quote Link to comment Share on other sites More sharing options...
colesl4w Posted May 29, 2017 Share Posted May 29, 2017 The increase in insurance is due to the perceived increased risk. And also because its a niche market. Quote Link to comment Share on other sites More sharing options...
GeorgeW Posted May 29, 2017 Author Share Posted May 29, 2017 Did you try our scheme? Yeah sorry mate I forgot to add, will be giving you a go aswell Quote Link to comment Share on other sites More sharing options...
GeorgeW Posted May 29, 2017 Author Share Posted May 29, 2017 The increase in insurance is due to the perceived increased risk. And also because its a niche market. But what increased risk? I've owned a modified 350z before, as well as other fast cars. The only thing that has changed since my last one is I have more experience and more NCB, which should make it come down not go up! 1 Quote Link to comment Share on other sites More sharing options...
Strudul Posted May 29, 2017 Share Posted May 29, 2017 But what increased risk? I've owned a modified 350z before, as well as other fast cars. The only thing that has changed since my last one is I have more experience and more NCB, which should make it come down not go up! In the eyes of insurers, mods equal higher risk of claims due to: - theft - crashes - damage Quote Link to comment Share on other sites More sharing options...
Olly350z Posted May 29, 2017 Share Posted May 29, 2017 The increase in insurance is due to the perceived increased risk. And also because its a niche market. The only thing that has changed since my last one is I have more experience and more NCB, which should make it come down not go up! And sadly in that time many more have been stolen, crashed etc. Prices dropping on these have seen alot younger people buying them and sticking them through hedges! Id say im of the opinion the majority of people on here have seen a rise, know I did. First year was easy however the second year I struggled! 1 Quote Link to comment Share on other sites More sharing options...
colesl4w Posted May 30, 2017 Share Posted May 30, 2017 The increase in insurance is due to the perceived increased risk. And also because its a niche market. But what increased risk? I've owned a modified 350z before, as well as other fast cars. The only thing that has changed since my last one is I have more experience and more NCB, which should make it come down not go up! I totally agree, in fact I had a wee rant here about insurance a few weeks ago lol. Quote Link to comment Share on other sites More sharing options...
coldel Posted May 30, 2017 Share Posted May 30, 2017 There is a lot going on in the insurance market at the moment and prices on the whole are increasing across all cars - increase in taxation and spurious claims are significantly on the rise at the moment. There is a lot in the news about this: https://www.confused.com/on-the-road/cost-of-motoring/what-the-price-index-means-for-you So the idea that your premium just drops automatically each year you drive safely is something of a bygone experience of days past in many cases. You will get the odd thing pop up now and again when companies change algorithms (they do not assess each house/owner/car it has to be based on macro factors I would think such as generalised postcodes/theft levels in post codes and the like) - I know when I moved from a narrow through road next to a busy pub where our Ford Focus lost 3 wing mirrors whilst parked up and my Celica got keyed twice to a cul-de-sac 100 metres away which had a wider road, no through traffic, no drunk muppets staggering past our cars at midnight with car envy my premium went up £100. Makes no sense but it is what it is. 1 Quote Link to comment Share on other sites More sharing options...
PPod Posted May 30, 2017 Share Posted May 30, 2017 Try admiral they were £5-£10 extra for each mod for me. Do online quote then phone up with your reference number then go over it with them. Admiral are entirely pointless for a modified car, they will only return to standard and will not replace any modifications at all. They will however charge you for the privilege of not doing so though, which is nice of them. I Have to go with them to be honest as i can't afford to pay an extra + £600 a year on insurance rather go cheaper and get a payout on standard than nothing. The amount i have saved over the years covers the cost of replacement parts. Quote Link to comment Share on other sites More sharing options...
G1en Posted May 30, 2017 Share Posted May 30, 2017 I thought a year or 2 back the government changed the rules so men and women had to be charged the same. The table above paints a different picture. Quote Link to comment Share on other sites More sharing options...
Strudul Posted May 30, 2017 Share Posted May 30, 2017 (edited) I thought a year or 2 back the government changed the rules so men and women had to be charged the same. The table above paints a different picture. They did. The difference will be due to other factors that increase premiums. For example, more men choose sporty cars or modify them, leading to higher premiums than women. Don't know the stats, but if men tend to have more points on their license / less years NCB, that could be another factor. Edited May 30, 2017 by Strudul Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted May 31, 2017 Share Posted May 31, 2017 Increasing costs are just a viscious circle though, the higher the costs are, the more people wont be able or want to pay, so more end up on the road uninsured and you are back to square one, increasing costs to cover the unisured. Also it seems two fold, people are petrified of claiming because of increased costs the following year, at fault or not. There is a thread running on the vx forum of a guy involved in an incident, he had a dash cam which shows the other party at fault, the third party statement is a complete pack of lies about the sequence of events, yet his insurers wont fight it as the other party wont admit blame, even though they have footage and the third party statement of events is false. I really think its about time we have state funded 3rd party cover and if you want to increase your cover to fully comp, fire and theft etc you follow the usual channels. Quote Link to comment Share on other sites More sharing options...
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