Insurance Companies For Mods

MikeLS430 · July 7, 2005

I'm considering modified my Lexus from "standard manufacturers specification", starting with alloys, but all the nice and cheap insurance companies I know, don't even want to give an on-line quote if the car has been "modified from manufacturer's standard specifications".

What do you guys do? Who do you insure with, or do you just ... forgot to tell your insurance company?

Lexus Jim · July 7, 2005

just for alloys, most companies will cater for. other stuff you really need specialist insurance company's. I used adrian flux this year and got me cheaper with all mods declared than it was at other brokers with nothing declared

MacRS200 · July 7, 2005

I'm with Adrian Flux and got a quote from broker that Scott gave me the name of but lost the piece of paper. Tesco are supposed to be good for modded cars as well.

Most companies won't quote for modded cars on line as modded can mean anything from wheels to a complete change of engine like The Monster :D

TheDon · July 7, 2005

def recomend adrian flux, they a realistic when it comes to pricing mods.

If its a performance mod then they do it by percentage - 30% power = 30% increase in premium. seems fair to me

Mr Morse · July 7, 2005

def recomend adrian flux, they a realistic when it comes to pricing mods.
If its a performance mod then they do it by percentage - 30% power = 30% increase in premium. seems fair to me

←

Didn't work out like that for me Chris - The only "power" mods I have is a cat back and induction which I doubt gives more than 10% power, but my premium went from £404 to £729, that's over 70%!

Crazy, but they were the only broker who quoted a premium less than £1,000 despite 10yrs NCB, 1 SP30, low risk occupation etc.

TheDon · July 7, 2005

when i was quoting for my supercharger he said is that a 30% increase - that will be 30% on top of your permium. i have declared every single little thing and i was well impressed!

marcus · July 7, 2005

I'm with Adrian Flux , and my premium went from £550 to £680 with all my mods and the Turbo, :winky: and thats for my wife as well, who has only passed her test 2 years ago..............

Adie · July 7, 2005

I'm with Adrian Flux , and my premium went from £550 to £680 with all my mods and the Turbo, :winky: and thats for my wife as well, who has only passed her test 2 years ago..............

←

Did you have to give them a performance increase for the turbo? Or just tell them what turbo you've got?

marcus · July 7, 2005

I'm with Adrian Flux , and my premium went from £550 to £680 with all my mods and the Turbo, :winky: and thats for my wife as well, who has only passed her test 2 years ago..............

←

Did you have to give them a performance increase for the turbo? Or just tell them what turbo you've got?

←

i just told them it was around the 200BHP mark has i had not been on rolling road yet