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post #1 of 6 (permalink) Old 6th August 2013, 17:32 Thread Starter
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Confused!

I'm with elephant insurance and just enquired about a milltek exhaust and a hks rsk
First off just declaring the milltek which was an extra charge of 194.82
Then just the hks rsk extra charge of 82.50
Then with them both came back at 193.85
Is that normal or a bit strange, I was expecting 277.32
Also is that a lot to pay for adding modifications ive never done it before?
Thanks Tom
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post #2 of 6 (permalink) Old 6th August 2013, 17:55
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I got a quote for similar additions with admiral and came to less that 100 to add them for me, however didnt end up buying them as funds ran short,

However I would consider getting a quote from a company like Adrian Flux or Greenlight they are usually really good, my insurance is due to renew and i called Adrian Flux, with all mods covered (They were declared before however they wouldnt replace them if i had an accident, Adrian Flux will) and it made my insurance 50 cheaper

Always worth a 5 minute phone call
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post #3 of 6 (permalink) Old 6th August 2013, 21:21 Thread Starter
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Yeah I know what you mean but only took out the insurance two weeks ago so a while till its up for renewal.

I don't know much about insurance, can you change who your with mid contract or does that mean an additional cost

And I think it was green light that wouldn't insure me as I'm under 21,

If there is a additional cost to change to a different company that are cheaper for modifications it may be worth just forking out the 193 to elephant
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post #4 of 6 (permalink) Old 7th September 2013, 08:03
 
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Hi Tom

I work for a large motor insurer and can confirmed that additional premium for mods is essentially for the increase risk of having an accident - in simply terms we know that those that fit mods tend to have more accidents/claims than those that dont modify ( many with mods tend to drive more enthusiastically, additional performance of the car etc)

Most companies will make a charge if you cancel your policy if you are outside the cooling off period . Some charge a relatively small amount to cover the admin costs of cancelling the policy ( letters to confirm the policy is cancelled removing details from the Motor Insurance database that the police use etc ) others charge more.

The best thing to do is ask your insurer to confirm cancellation costs and compare this to the savings you may be able to make with another insurer.

Being under 21 with mods you may struggle as insurers will view your circs as high risk. If you do struggle you may get some joy going through a high st insurance broker as they will be able to search some of the more specialist insurers. Hope you get it sorted
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post #5 of 6 (permalink) Old 7th September 2013, 16:19
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No that this really helps, but to give you an idea, i found insurance for my type r back in may....

Direct line - 994 fully comp, for the year - standard car
Adrian flux - 916 fully comp, for the year, all my mods declared! Safe to say which I went for!

Specialist modified car companies are the best.
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post #6 of 6 (permalink) Old 8th September 2013, 18:00 Thread Starter
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Yeah I will be looking a specialist insurance companies next year when I'm 21 as the ones I tried this year said I had to be 21 which is why I ended up going with elephant as they allow 6 mods which is all I need this year, the weird thing was the two mods price wasn't the same as them both added together so single mods but I guess the part about admin fees clears that one up as when separate there would be 2 x admin fees where as together means only 1 x admin fees
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