14N Posted March 20, 2013 Share Posted March 20, 2013 OK, apologies for another "I've paid this much for X" thread, but I thought I'd share anyway. I've always been reluctant to modify my cars, as I expected to be hit hard by insurance companies for having non standard parts fitted. So all my previous cars have pretty much stayed OEM spec. I bought the Zed thinking I would leave completely standard, as I was more than happy with it in it's factory trim. Then this forum and Zeditis kicked in. Rather than changing bits and pieces and facing an admin charge each time I informed them, I grouped together a few mods, fitted them all at once, then rang my insurance (Admiral) expecting a "Your additonal premium will be ". So, the addition of aftermarket 19 inch wheels, air filter/popcharger, exhaust back box and front splitter cost me...... £19.83. Yeah a total of £19.83 OK, it probably cost me an additional £20 in call cost due to the amount of time it took me to explain to the operator what a splitter was, and what the difference between an exhaust manifold and a rear silencer is. Glad I just said air filter, rather than JWT Popcharger In a nutshell - Result Quote Link to comment Share on other sites More sharing options...
Will370z Posted March 20, 2013 Share Posted March 20, 2013 nice one Quote Link to comment Share on other sites More sharing options...
Ekona Posted March 20, 2013 Share Posted March 20, 2013 Interesting, that's a similar premium to what we paid to install a harness bar and harness in the Impreza, also insured with Admiral. I too expected a massive wedge, or at least three figures, but it wa only £17. A shift in policy from them, perhaps? Quote Link to comment Share on other sites More sharing options...
Stutopia Posted March 20, 2013 Share Posted March 20, 2013 I'm with elephant (admiral subsidiary I believe), £72 for non standard panel filter and scorpion exhaust. Really pleased for you guys ;-) I'm switching to proper admiral now! Quote Link to comment Share on other sites More sharing options...
14N Posted March 20, 2013 Author Share Posted March 20, 2013 Interesting, that's a similar premium to what we paid to install a harness bar and harness in the Impreza, also insured with Admiral. I too expected a massive wedge, or at least three figures, but it wa only £17. A shift in policy from them, perhaps? Could be I imagine the £19 was purely an increase in premium, there was also no mention of admin fee etc. I too was also expecting something near 3 figures. Quote Link to comment Share on other sites More sharing options...
14N Posted March 20, 2013 Author Share Posted March 20, 2013 I know there are many factors involved and each may have an impact on premium. My current policy expires in July, so that's an increase in premium for just a few months. If, say for example I had 11 months left, I imagine it would of been significantly more. Was still happy with the price though. Quote Link to comment Share on other sites More sharing options...
S1 HNK Posted March 20, 2013 Share Posted March 20, 2013 Cant grumble although you aren't paying to actually insure the mods so in theory it shouldn't be very much! Quote Link to comment Share on other sites More sharing options...
Wasso Posted March 20, 2013 Share Posted March 20, 2013 You should maybe look at the specialist insurance companies. With £10k of mods including nitrous, bodykit, Uprev, exhaust, intake you name it and living in Birmingham my premium went up £250 pa. this actually covers my parts as well, so if stolen I receive like for like return in parts. So I'd seriously contend the specialist companies upon renewal time. Quote Link to comment Share on other sites More sharing options...
Ekona Posted March 20, 2013 Share Posted March 20, 2013 Agreed, same reason I'm with Sky on the 911. We'd have the Impreza with them too but they don't cover under 25s on the specialist stuff, so will have to wait until after May when the wife finally hits 25 Quote Link to comment Share on other sites More sharing options...
14N Posted March 20, 2013 Author Share Posted March 20, 2013 I will definite try the forum's associated insurers such as Sky and specialist insurers when my renewal is due. Quote Link to comment Share on other sites More sharing options...
Diab2005 Posted March 20, 2013 Share Posted March 20, 2013 I'm with Admiral and I was under the impression that they point blank refused to insure modded cars??? Quote Link to comment Share on other sites More sharing options...
ilogikal1 Posted March 20, 2013 Share Posted March 20, 2013 Admiral refused to insure me this year because of the Nismo exhaust. They insured me last year with the same exhaust declared though. Much like the premium, it seems to depend on what day of the week it is when you call... Quote Link to comment Share on other sites More sharing options...
WhackyWill Posted March 20, 2013 Share Posted March 20, 2013 I'm with Admiral...They are OK so far..better than Quote Me Unhappy... Quote Link to comment Share on other sites More sharing options...
wizurd Posted March 20, 2013 Share Posted March 20, 2013 (edited) im with Admiral as well. got both cars on it (fiesta and zed) plus got the extras on the zed covered ie non standard back box, discs and wheels. really cheap compared to all the other companies I tried plus since it was the first year with the zed they even mirrored my 8 years ncd on to the zed so that I've kept my 8 years on the fiesta and got the 8 years on the zed. chuffed. so I can see why you got a good deal like that. so far they seem pretty good. wait and see if it's the same story come renewal time though. Edited March 20, 2013 by wizurd Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.