Bloody Insurance!

March 18, 2011

I phoned up my car insurers today (M&S Money) to get a quote on how much extra my insurance would be with the two simple modifications; an aftermarket backbox and a set of lowering springs fitted, and they informed me (or should I say AXA informed them) that they would be unwilling to insure me with those modifications, based on a combination of my age and the modifications requested. I'm gutted. This means I can't touch my car at all, unless I do so without insuring the mods (argh, illegal!). I'm 19 btw, I know the general consensus seems to think that makes me a boy racer, but can't I be young AND a car enthusiast? :o

P.S, they said to try again next YEAR, and they may be able to help me.

March 18, 2011

Most insurers are the same, and won't allow any modification under the age of 25, unless you contact a specialist insurer like Adrian Flux, or Chris Knott.

March 18, 2011

That happened to me last year, renewed with directline only to find that mods arent allowed. Needless to say I'll be checking before acceptance this year.

March 28, 2011

I did my RAV4 conversions and the insurance co couldn't believe that anyone my age would be wanting a boy-racer image + they didn't really understand what I had created. So I got all my mods listed and pay £160 a year for fully comp. You'll need to wait 40 years I guess :lol: :lol:

March 28, 2011

£160?! :eek:

I pay almost 4 times that for my stock Mk1 diesel Yaris!!! :censor: :crybaby:

March 29, 2011

Mine is over 10x that on a stock 1.0 litre Yaris! No convictions or points btw lol just the penalty of being an R driver xD.

May 30, 2011

Kwick Fit are pretty cheap, im under 25, 3 points, fully comp, £700, on a 150 bhp car, not bad

June 3, 2011

HiGuys,

a quick tip that may work for some of you. Me and the Mrs have 2 vehicles, a volvo s60 T5 with over 250 BHP, and a vaux astra van 1.6 8v, now they cant be insured together on 1 policy because the vans a commercial so the volvo cost us £3,800 to insure and the van £2200. So together thats 6K a year. Bear in mind ime 22 and the mrs is 21 and we live in possibly the worst post code ever for insuring cars ( manchester,salford). So i did a quote on admiral multi car for a Gt4 Import, £3,800 fully comp for the T5 and the GT4 together !!!!! Now it will cost more because if you pay monthly theres interest but even so thats 2 very high performance cars for the price of just insuring the volvo else where !!!!! Give it a whirl if your parents have cars in the house hold. you all use ur own no claims on your car and earn your own aswell it really is a good thing to look into and also if you have a claim it doesnt effect anyone else on the policy !!! i also found by having everyone as named drivers on each car it brings the price down, you can also adjust your excess individually if you want to make it cheaper but bear in ming thats the ammount you pay if you need to claim.

Jay