We all know that insurance is that thorn in the side for petrolheads and maxers alike, but what does every1 on here do about it? does anyone actually declare their mods? If so what insurance companies are ok about them? I mean people like Paz hav got seriously moddded motors, is it all cocher and insured etc?
Just thought i'd see what everyone does bout insurance etc, i know mine is a killer and its only a 1.6 16v "standard"!

I dont think we should really disclose this information on here as it is a public forum.

i will reply to this one!

my insurance company knows about the modifications on my car and thats everythink: rage exhaust,window tints,induction kit.recently fitted Gti big bumper kit

i pay fully comp on a 1.6 Golf Driver £650yr and that is with the cis co-op insurance

wow thats good tony. did it go up much when you declared them? i think personally that its a problem like beind under 21 cos your jus blackmarked straight away! daz i didnt mean it in a sort of 'Everyone tell us whether your insured properly' but more just like tony said and what mods are declared and whether they cost you much more.

my insurance never went up a penny it stayed the same as it is now, then again i am nearly touchin 30yrs old

"touchin"! delicately said! lol. yeh i wanna find a good insurance company for mods. hopefully i'll have a years no claims soon and want it all to be done properly for mods etc! dont wanna lose out if i did hav ne accidents!

I have declared my alloy wheels, the insurance company said they would insure me on any wheels regardless of the value aslong as they arn't more than 1 inch bigger than standard.

I am paying £750 fully comp on a slightly modified civic coupe grp 13.

I declared everything with the AX, didnt affect my premium at all. £300 fully comp.

:cheers:

the way i see it is, it is best to declare what you have because at the end of the day if someone hits you and you haven't declared it then your insurance claim is going to be VOID!! and then you have lost out and your lovely smart looking motor is worth nothing to you but is worth £100's to a scrapy if you carn't fix it yourself as they will sell the parts and make a woppin profit!!

definately mate. some silly silly silly woman (put as nicely as i can) whacked into my car as she opened her car door as i was driving past yesterday! done in my whole front wing and bumper! Gunna take my induction kit off when i send it in, then call up and declare it when i get the car back!

I can give you some pointers on insurance as ive been doing it for some time now. just send us a pm

Tell us all in a general way Daz106
I'm sure any advice would be appreciated.

Sounds like a job for one of Cruisewirral's Sponsers RMNJ Solisitors Specilising in accident claims mate

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Secondly, I am so so lucky as i have a Motor Trade Policy therefore i do NOT have to declare my modifications Just dont ask how much my policy costs as it will shock you, it brings me to tears every re-newal.

It cant be that bad. I pay over a grand for fully comp insurance on my ka. Now that almost brings me to tears.....

Lol, Your a lucky man then arnt you, try multiplying your premium by nearly 5 times and you will be close mate

Yeah okay, a 5k insurance bill does suck. But you get to drive a 400bhp scooby to work every day. I get to drive 60bhp Ka