Adrian Flux...

[bimini]

Just been on the phone to them to get a quote because it seems the rest of the world has gone mad and thinks dealer and factory accessories are modifications....

Here's the breakdown :

Barclays...wont insure dealer fitted works kits...apparently its being taken off the website as we speak! (believe that when i see it)

Privilege...decided to increase my premium by 25% to £800 when they realised they'd not included the aero kit on their spec....this is with a 9 year NCB and being with them for a decade....not living in a city

AA...never phoned me back, guess they couldnt beat the £800 despite the 15% online discount + 5% for being a member

Churchill £877 without even thinking about protected no claims and they wanted an immobiliser fitted!


Adrian Flux : £616...all the accessories included, didnt have a fight to convince them they weren't mods, didnt need to fight to tell them that you can have a Chilli and a Works...all sorted...nice lady on the phone...didnt get "comptuter says no" which Priv actually said to me.

So...if your looking for insurance, give them a go.

Cheers Rakey for the pointer

[dave_cooper_s]

They are a good cheap company, but I did get a fantastic quote from them one day - only to be phoned the next day to say it was a mistake and the actual quote would be 500 more!

If you havent been contacted in a day or two, your laughing!

Dave

[MarkW19]

I'm with AF too - very good and know what they're talking about.

For me (22), I do pay a couple of hundred more to be with them and be able to modify my car, but it's worth it for piece of mind that you're not just talking to monkeys if you need to speak to them!

[Restyle]

They were the only ones prepared to insure me after I`d had the JCW Air box fitted.

Thats right, NOT the JCW full kit, Just the Air Filter Assembly !!

[yidaho]

I'm switching to them in a couple of weeks. Such a difference in the premiums and excess compared to MINI Cover that I had to call them twice to check that they'd added all the mods! One of the few that do a 'like for like' on the modifications too.

Incidentally, UK Insurance Ltd seem to underwrite a heck of a lot of insurance policies these days. Was it always that way with MINI Cover? Wondered if they had anything to do with the big increase in premiums and excess for such few mods.

[BigMarsh]

I'd back up what people are saying here. Adrian Flux got me a massively cheaper deal for my JCW in January. It's a good policy too, even though it was a bargain compared to other companies.

[20thebear]

I've just done the general ring round to insure my 02 Cooper with 17" S alloys, full aero kit and viper stripes.

most of the big companies were rubbish. i could not beliebe it when Mini Cover ask,

"so what is an aero kit and how much is it worth?" What is the point in advertising as Mini specialists and not know about Minis.

I have ended up with Directline. They were great. I get extra discount as my girlfriend is also insured by them, and they gave me the 10% online discount as I told them I could not tell me about the mods online.

I have been with AF before when I have a very modified classic Mini.

[yidaho]

Quote: Originally Posted by 20thebear

I have ended up with Directline. They were great. I get extra discount as my girlfriend is also insured by them, and they gave me the 10% online discount as I told them I could not tell me about the mods online.

Happy to be corrected, but aren't DL one of the companies that will not replace like for like on modifications?

[20thebear]

Quote: Originally Posted by yidaho

Happy to be corrected, but aren't DL one of the companies that will not replace like for like on modifications?

i have not got the paperwork through. i'll check. thanks for highlighting that. But if i am paying extra for covering a vehicle with mods, what does the extra money cover, if they don't replace like for like?

[yidaho]

Quote: Originally Posted by 20thebear

i have not got the paperwork through. i'll check. thanks for highlighting that. But if i am paying extra for covering a vehicle with mods, what does the extra money cover, if they don't replace like for like?

Just had a quick search of the forum and can't find the thread now, but I know I crossed them off my list of 'ring rounds' for some reason or another (and I'm not under 25!). If I find it I'll let you know, but it's always worth asking anyway when you get a quote.

IIRC the reason given by insurance companies higher premiums for modified cars, even though the mods are replaced with stock parts, is because they are more likely to fall prey to thieves and vandals. Basically any excuse to put the premium up!

[dave_cooper_s]

yeh as yidaho says, the insurance companies charge you more for having the 'mods' as the car is effectively at higher risk of being stolen - but it doesnt mean to say they will replace these parts if they get nicked! Another way for them to dwindle some cash I guess.

Dave

[Neil the Hat]

You should also try; http://www.greenlightinsurance.com/

They quoted me £100 cheaper than AF.

They will cover almost all mods for no extra charge, track day insurance for £50 a day.

Like for like for all mods!!

Major engine mods for about £65 extra on a years premium.

No contest really.

[Sunnybanker]

Just about to renew with AAMI for our MCSC for $693 , approx 250 quid in proper money.

Nice and cheap in sunny Brisbane

[Mini Princess]

I can highly recommend them - am with them myself and when I came to ask about modding the car I was allowed to put strut brace on and lower it without any increase to the premium. Because they are performance car specialists they allow you to do stuff that regular insurers wouldn't. I seem to remember they aren't to fussed about your annual mileage either. IMO they are ace

[KrisMcGrath]

Whenever i tried to get a quote with AF online they always said call, but i suppose its because im 17 with a ONE