Struggling to find cover - Civinfo
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post #1 of 24 (permalink) Old 24th February 2012, 06:14 Thread Starter
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Struggling to find cover

Hi guys,

I don't have my FN2 yet but will be soon. As I plan to start modifying it I thought I should get insurance that will cover that from the beginning but I'm really struggling now.

I've always just been a named driver so have 5 years named NCD but none in my own name. And my previous car was only a 1.1L so nothing compared to a Type-R in performance. I am 25 though still struggling to find someone that will insure me with mods listed.

Tried the usual places such as Greenlight, Sky to name but a few. I think that when I find someone to cover me it will end up being in the thousands now!!

Has anyone been in a similar position and can offer some advice or ideas of good insurers I may not have checked?

Cheers
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post #2 of 24 (permalink) Old 24th February 2012, 06:21
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Due to you not having experience in a "performance" car I think you'll struggle to get insurance at a reasonable price until you have had the car (and not claimed) for a year.

Loads of people would recommend loads of different company's so I'd say get online and try them all, also adding an older named driver can lower your premium along with being creative with your job title (don't lie just make it sound better) also your postcode and where the car is kept (road/driveway/garage) makes a massive difference
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post #3 of 24 (permalink) Old 24th February 2012, 07:22 Thread Starter
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Cheers pal, I found a quote comparison site for modded cars that I'd never heard of before. Tiger.co.uk so that has helped! And also, I was told by a company just the other day that adding a second driver would definitely not bring the price down as the policy is rated 100% on myself. Done it on a quote with Elephant there and it reduced it by a third!!! So cheers for suggesting that again. I always thought it would so should have just checked it myself previously!

I'll have anothe tinker about when I finish work and see if I can change the things you mention to be a bit more suitable. Thanks!
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post #4 of 24 (permalink) Old 24th February 2012, 07:38 Thread Starter
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Another question then, would it be advisable in the long run to do these 10 month policy's to get your NCB sooner? Month for month it's more expensive but saving in the long run could be better!
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post #5 of 24 (permalink) Old 24th February 2012, 07:51
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Have you tried Adrian Flux
I've only got the type s, my postcode is WA5
I've got 16 years no claims (after 9 yrs it doesn't appear to make any difference)
I've declared all my mods
Rages
Colour coded
Spoiler
Typr r interior
Eibachs
Hid's
Drl lights
Upgrades brakes
Etc, etc
And I'm only paying 220 full comp

The good thing about them is that they will always try and beat any new quotes at the end of your policy
Their renewal ths year was 350, I got a quote on line of 240 and they came in at 220

I originally used them when I had my Nissan 300zx fair lady, celiac GT4 and Focus ST 170 and to be honest the we're competitive with all of them
Got to be worth a try **

Good luck
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post #6 of 24 (permalink) Old 24th February 2012, 07:53
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Quote:
Originally Posted by RosscoMac View Post
Another question then, would it be advisable in the long run to do these 10 month policy's to get your NCB sooner? Month for month it's more expensive but saving in the long run could be better!
Mmmm really not sure how they work so not sure if the NCB is a different percentage on the month my month policy, have you tried Adrian flux??
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post #7 of 24 (permalink) Old 24th February 2012, 08:35
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How are quotes without modifications? It may be worth buying an FN2 - then just keeping it standard for a year or so (nothing to stop you saving up and aquiring the parts in this time frame). You may be in a better position to insure this time next year, or alternatively if you find an insurer which is known to be "modification friendly" you may be find adding modifications mid-policy term is much much easier than getting a modified policy from the get-go.
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post #8 of 24 (permalink) Old 24th February 2012, 08:57
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If i was you mate i'd go with Admiral for your first year,

they're very cheap, under 25 friendly and allow up to 5 modifications per car (which are reasonably priced per mod) = with that in mind you may not get 5 mods in your first year, so could be an ideal platform to earn some NCB... they also offer a bonus accelerator policy (10 month policy) which is good.
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post #9 of 24 (permalink) Old 24th February 2012, 09:50
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Quote:
Originally Posted by Fonzey View Post
How are quotes without modifications? It may be worth buying an FN2 - then just keeping it standard for a year or so (nothing to stop you saving up and aquiring the parts in this time frame). You may be in a better position to insure this time next year, or alternatively if you find an insurer which is known to be "modification friendly" you may be find adding modifications mid-policy term is much much easier than getting a modified policy from the get-go.
I agree with this, I have 8k burning a hole in my pocket and I'm dying to treat myself to a supercharger and a few other bits at TDI north but insurance refuse to insure me for the mods till I've had the car a year.
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post #10 of 24 (permalink) Old 24th February 2012, 10:19 Thread Starter
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Thanks for the good advice guys. I'll be doing some more quotes later to check prices with and without mods and also checking Adrian Flux and Admiral.

Do these 10 month accelerators count towards other insurance companies? Like say I done 10 months with Admiral, would Elephant then accept that as a years NCB if I moved to them?

It is a good idea to go without mods for first year too I guess. Just the standard car will be a huge step up for me anyway but this modding scene seems addictive so it will be tough!!
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post #11 of 24 (permalink) Old 24th February 2012, 10:23
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from memory adrian flux will allow unlimited cosmetic mods but power increases need to be reported to them
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post #12 of 24 (permalink) Old 24th February 2012, 10:23
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Quote:
Originally Posted by RosscoMac View Post
Thanks for the good advice guys. I'll be doing some more quotes later to check prices with and without mods and also checking Adrian Flux and Admiral.

Do these 10 month accelerators count towards other insurance companies? Like say I done 10 months with Admiral, would Elephant then accept that as a years NCB if I moved to them?

It is a good idea to go without mods for first year too I guess. Just the standard car will be a huge step up for me anyway but this modding scene seems addictive so it will be tough!!
It depends, some insurers would accept it, some wouldn't.

i work for an insurance company myswelf.. what i've done is build up 2x 10 month accelerator policies with admiral (2 years over 20 months) and then i've just incepted my third year on a 12 month/ Therefore at the end of this year they will have no other choice but to confirm 3 years bonus.

Top tip!
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post #13 of 24 (permalink) Old 24th February 2012, 10:26 Thread Starter
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I like that idea Frank, nice one!
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post #14 of 24 (permalink) Old 24th February 2012, 11:48
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Hey always worth adding named drivers. I have two females (mum and nan) on mine and it brings the price DOWN by 750 granted their never allowed to drive my baby by me! They are insured so always good in an emergency.
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post #15 of 24 (permalink) Old 24th February 2012, 11:51
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with the 10 month policy. going from admiral to elephant is fine, as they are sister companies. Also bell, diamond and a third i cant remember the name of are all sister companies to admiral and elephant so alot of the time you dont even need to change companies because if u get a cheaper quote from one of their sister companies they will match it straight off the mark.
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post #16 of 24 (permalink) Old 25th February 2012, 11:59 Thread Starter
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Cheers Mike, I've done quotes on all those sites now. You can tell they are all sister companies since they use the same format for their websites!

Added the maximum of three named drivers and the price has plummeted. And that's with mods. So thanks again for all the advice people. Saved alot of hassle and dough.
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post #17 of 24 (permalink) Old 25th February 2012, 18:55
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Insurance is a pain!
Im only 20 although i have 3 years no claims and held my license since 4 weeks after my 17th (i am just that good ) but to insure my type s for anything under a grand ive had to include my nan and my dad and im with admiral on a 10 month bonus accelerator and it works out well only time its a pain is when you have just say 6 years no claims but held your license for 5 years which you then have to do online quote then call up and get them to change it but it is decent to save a few pennies and get that claim free year...... But youll find that the biggest drop in insurance by far is the length of time youve owned the car if id owned my car a year it would of been 300 cheaper! So buy it quick bite the bullet for a year and reap the benefits after!

Hope that helped a little althought i confused myself!
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post #18 of 24 (permalink) Old 25th February 2012, 19:02
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+1 for Adrian Flux. Fair Price & a company that understands modifications & knows what they are taking about. I did find however that prices increase the most when you start to ecu remaps such as flashpro.
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post #19 of 24 (permalink) Old 25th February 2012, 19:44
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Quote:
Originally Posted by FrankstaH View Post
If i was you mate i'd go with Admiral for your first year,

they're very cheap, under 25 friendly and allow up to 5 modifications per car (which are reasonably priced per mod) = with that in mind you may not get 5 mods in your first year, so could be an ideal platform to earn some NCB... they also offer a bonus accelerator policy (10 month policy) which is good.
I am with admiral again this year as they work out cheapest by a massive margin with both mum and dad on as named drivers.

With regards the 5 mods a year be careful with what you pick as you are as Frank said only allowed the 5 so I left mine quite open...
Bodykit (Optional Extra as its Honda Type R based) Alloys (Optional Extra CTR) Interior Decorative changes (covers wide span) and Exterior decorative changes (again covers wide span) and just reflected them in the value I have my car insured for.
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post #20 of 24 (permalink) Old 25th February 2012, 23:05 Thread Starter
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Can you just confirm that with Admiral you can add 5 mods per year? So 5 mods in year 1 then another 5 in year 2 if you want? I didn't see a mention of a mod limit when doing the quote with them. I imagine it would be in the small print though!

Would this be the same for the sister companies, Elephant, etc too?
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