Insurance Queries/advice Thread

[dezzyS]

Yeah, been thinking the same Ally, so would like to know what people do. I've got a pretty good quote from Bell and have selected Mini Cooper "Chilli" from their drop-down list. I've got a couple of extra things on the car like anthracite roof lining and 17" flame spoke alloys, but they are not really "modifications" - they are simply additional factory-built options.

My Lotus is currently insured with Chris Knott, but they couldn't give me a good quote for the new Mini, even with the NMS discount. Would have liked to stay with them, but Bell is a good bit cheaper.

Might call Bell today and ask about the "modifications". Will let you know what they say Ally.

[dezzyS]

Just off the phone to Bell. They do not consider the Chilli pack a modification. They also do not consider the white indicator lenses, roof lining, or the 17inch flame spoke allows a mod either. So, no need to declare anything additional on my policy. Always worth checking with your own insurer though I guess.

D

[Ally S]

Cool thats handy to know. I phoned Elephant about changing off run flat tyres a while back and the advisor kept thinking I was wanting to add bigger wheels! Suppose it depends who you get on the phone

[L13ARG]

im with esure cheapest i could find

[Gismo]

The real test of "good" insurance is when you actually need to use it

[Forbes]

Same with Quinn no exterior modifications need to be declared whether OEM or not.

[Stewart]

im with esure cheapest i could find

Same, did all the online sites when my renewal came up there and they were over £150 cheaper then some on the sites so just let it renew itself....

I would change my wheels to something like Scotties but don’t know if the insurance would go through the roof. Then think I like my 16” and go off the idea again. They pace alloys look smart as well, and a new one to me.

I’ll see what I do next year.

[Stewart]

Well got round to opening the dreaded insurance renewal expecting a total piss take and was surprised even pleased if you can be about such a thing. I’ve not dug out last years paper work but I recon its £10 more….I was reading the forums with people having there insurance double and feared the worst. I’m even going to phone E-sure up as its got me down as 10-11K mileage and over the cars ownership its work out more like 7.5K over the three years.

Not bad considering I thought they would have taken more with a new screen claim last year. Even checked and the Works is around £410……

[euan]

People might find this interesting/useful - comparison site to show what your job really means to your policy costs.

http://www.moneysavingexpert.com/ins...icker/#sectors

I'm off to change my job to one more appropriate and save myself a massive 5 quid a year...