Join Date: Oct 2016
Location: Hartfield, E Sussex
Local Time: 10:16 PM
Mentioned: 32 Post(s)
Quoted: 481 Post(s)
I think it is, as the wording says, modifications to bodywork, performance 'add-ons' at the dealer but before delivery?
I suppose it might apply to Gen1 JCW as the performance enhancements could be dealer fit or factory fit.
Knowing I was going to mod my R53 a fair bit, and I was starting a new policy, so zero NCD, I ended up after a lot of research, going with Adrian Flux. It was vry reasonable, not least because they gave me a 50% discount maybe because I have two cars, I'm the only driver, and I can't drive two cars at once. No other company took my 9 years NCD into account on my other car's policy.
And I've modded away, each time tell 'em what I've done and they say fine, added to policy, no charge. Only thing they did bang me for was putting on a 15% reduced pulley which does add a fair bit more ooomph. Added £30 to my premium.
So they suited me very well.
I would just add that most of the agents I speak to are actual real petrol heads. They know what all the things are - non res Milltek exhaust, CAI, roll bars, intercooler, strut brace, coilovers, brake upgrades. Wonderful, a pleasure.