Insurance For Modded T-sport

[dannyb999]

can anyone suggest an insurance company which are mod friendly and reasonable price. norwich union want 2 grand compared with my last insurance policy which was £480 but states no mods.

cheers

danny

[Moffmo]

you're old enough for elephant!

[Crisis]

Norwhich Union quoted £900 for me as standard, they will do me for a yr then move else where.

Infact I phoned up Adrian Flux 2day, and I was shocked! On hold...

"Hi what car is it?"

"Yaris TS"

"Any modifications?"

"None, yet"

"Okay I will put you through"

Hold.... Hold

"Hey"

"Hello, Yaris TS"

"How old are you?

"18"

"NCB?"

"1Yr"

"Okay Il just put you through to someone..."

Next thing I hear on the phone

"Welcome to Norwich Union, please hold"

I mean WTF!

[dannyb999]

only mods ive got really is:

pioneer dvd/sat nav

window tints

strut brace

lexus lights

fuji back box

gmax lowering springs

apexi induction kit

i mean, 2 grand because its got a few exra bits on?? i was expecting my insurance company to say an extra £100 or so tops! not refuse to insure me! and norwich union's quote with the mods is too expensive!!

[Blue84]

^ ^ That could well be because they are a broker, but in reality they should deal with the insurer themselves as that is what they are there for. And also they should tell you if you are gonna be transferred.

A lot of people on here seem to deal with Adrian Flux and have no problems, it could be that you got a new person who wasnt sure what they were doing.

[kimi]

try chris knott its one of our sponsers,

its in our drop downs top of page.

i'm with them all mods declared

[cfc1]

Norwich Union Direct wouldn't insure me cos i had mods.. would only insure me 3rd party.. no fire no theft.

i phoned peoples choice and got a good deal with highway (peoples choice was the broker)

[Fidgits]

I heard Liverpool victoria can be good for mods, but you need to call them..

[dannyb999]

do liverpool victoria quotes online include mods. cos it says at begining i can get a quote as long as there are no performance enhancing modifications. which i havnt got right?

[Ryan1985]

Well Danny it argueable that your backbox does but if it does its minimal, probably not noticeable!

[Andypr]

I been with Adrian Flux for the last year there the cheapest i found well if you call this years preium 705 cheap,when you mod a car these people have you by the balls and they know it.

[CraigR]

Liverpool Victoria no longer insure modified cars with new policies. Anyone that has an exsisting policy, I think that you will find that they won't insure you come renewal!

[Crisis]

Il give everything ago including Chris Knott, any Gold Discount?

[armoredfist2002]

Liverpool Victoria no longer insure modified cars with new policies. Anyone that has an exsisting policy, I think that you will find that they won't insure you come renewal!

←

This is true, i was with liverpool victoria with my punto, and when I changed to a yaris they told me they no longer insured modded cars. So I had to change insurance companies the night before I was due to get my exhaust.

Have you tried cis, they will insure modded cars, and they haven't charged me anything extra for my mod's.

[JustJJ]

I have heard bad things about Adrian Flux

[vitzpower]

I'm with Toyota Insurance. The mods I have on my TS are:

- Blitz Nur Spec R backbox,

- 16" OZ Crono alloys

- Sparco Strut Brace

- K&N panel Filter

- TOMS TRD Chin Spoiler

I was with Toyota Insurance from day 1 and have 3 years NCB. When I notified them of my mods, all they say was 'we'll note that on your record'. I was expecting a massive jump in cover this year, but it was lower than last year's cover. I recently got caught by the fuzz and now have a 3 point stain on my licence. I notified Toyota Insurance and they made their note and said that my current quote stands. Somebody went into the back of me last year, and although it took a little while to sort out, it was done quite competently.

[Moffmo]

CIS are the best imo, they dont give a crap really, just let them know what you have.

Performance mods such as turbos will increase insurance obvoiusly.. Everything else is free.

[CraigR]

Liverpool Victoria no longer insure modified cars with new policies. Anyone that has an exsisting policy, I think that you will find that they won't insure you come renewal!

←

This is true, i was with liverpool victoria with my punto, and when I changed to a yaris they told me they no longer insured modded cars. So I had to change insurance companies the night before I was due to get my exhaust.

Have you tried cis, they will insure modded cars, and they haven't charged me anything extra for my mod's.

←

Is that right?

My parents are with CIS and have found them to be excellent in the event of a claim. Do you think they would insure a highly modified celica?

EDIT:

Do CIS or Toyota insurance provide like for like on the modifications though? Most policies like this will only provide you with a stock car, for example if its written off.

[Moffmo]

Is that right?

My parents are with CIS and have found them to be excellent in the event of a claim. Do you think they would insure a highly modified celica?

←

Yes they will, and i think you will find that the premuim is not much more, or the same

EDIT: No they wont, you have to be with a specialist insurer such as adrian flux and you have to be with there modified car plan so its a direct replacement, not stock replacement.

[CraigR]

Thats good then, but very risky if you crash.

[Crisis]

Just tried CIS - £3k for a Yaris TS... what!

[CraigR]

Just tried CIS - £3k for a Yaris TS... what!

←

Ouch.

Have you tried HIC insurance (Herts Insurance Consultants):

08451290290 - I think thats the telephone number

This link might come in useful:

http://www.celica-club.co.uk/cgibin/phpbb2...pic.php?t=10174

[Crisis]

Yeh il have a look.

Best quote so far Norwich at £900 or £700 for 9mnths which will be nice cause then another yr NCB and then I can change if I need to.

[Crisis]

Nice link there... :)

[CraigR]

Hope it helps!

Finding a decent quote, without any catches is a right royal pain in the ar*e!