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Discussion Starter #1
Insured my 2005 R53 MCS in December with Adrian Flux. Rang them on Thursday to inform them about the modifications I've just fitted.

When I took it with them in December, knowing I was going to mod it a bit, they said that would not be an issue and the premium would not go up. A likely tale I thought, just to get my premium. Bit of a 'heart in mouth' moment! Did they not speak with forked tongue?

Mods declared:
Put on non-runflats
Milltek non-res exhaust cat back
Orranje Stealth Cold Air Intake (CAI)
Had full set of leather seats swapped for the half/half that were in it (just thought I'd tell them.....to avoid ANY potential wriggling "Ah your arse slipped on the leather, causing you to tosh the car, non standard seats").

It's added to my policy details - no problem, no questions, no charge. Did they NOT speak with forked tongue. Brilliant. Exactly as it said on the tin. It was as explained to me when I decided to go with them.

Well technically not WITH them, VIA them. They are a broker. They placed my policy with an underwriter who is happy with moded cars and doesn't refuse to insure you or charge you additional premium.

Incidentally, I have no expectation that the exhaust and CAI will add bhp. Not my reason for fitting them. However, once I get used to, and bored with, the improvement in driveability these mods have made, I may go for a 15% pulley upgrade. With the improved breathing now on it, that should get good benefit, add a chunk of bhp and torque.
And that won't be an insurance issue either.
 

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May give them a ring when mines due in October. LV added £28 for my non res Milltek on the R52.

My CAI was already fitted when I got the car. Who am I to know what the "standard," air intake looks like ::wink::

Wonder what they say about my "trunk of funk" too?

Still I live in a small village in Hampshire where nothing exciting happens and the mini lives in the garage so premiums fairly low. Plus I'm pushing 50 so no boy racer. Well it depends who you talk too!! :big_grin::big_grin:

Minialf
 

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Discussion Starter #4
Which CAI have you got? £28 on not a lot is probably a fair percentage. Don't think Flux where the cheapest but knowing I was going to mod I went with them because I really did not want the hassle and ooh-aah-Cantona drivel you encounter with knowledgeless mainstream 'normal' companies/underwriters.

My problem was also that it is my second car so was starting a new policy from sratch. Have 9 years and 75% NC on my 'main' car. I'm an old boy racer (67, so hi youngster). On-line quote, SAGA turned me down!! There is justice left.

Flux do a neat Agreed Value add-on which I'm going to buy. Getting my car to how I want it stands me in a lot more than underwriters would pay out on a 2005 98,000 R53. It only costs an extra £28 per annum.

And for I think, if I recall, about £35 an add-on that insures you fully comp on anyone elses car (you always get the 3rd party) up to £25,000 value. I think if you need to drive other's cars that is a bargain.
 
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NigelK
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