Make a donation

Author Topic: Insurance for my GTI which I have modified  (Read 329 times)

Offline Bradley Torrance

  • Can't Read PM's Yet!
  • *
  • Thank You
  • -Given: 6
  • -Receive: 0
  • Posts: 7
    • Email
Insurance for my GTI which I have modified
« on: February 19, 2021, 11:09:14 am »
Hello all,

I am in a bit of a predicament and wanted other peoples views and assistance..

i can get quotes for my car with "no modifications" for about £600-£700 a year....

However, i have done a list of things to the car, including: Decat, lowered a small amount, tinted windows, small spoiler extension, front splitter, rear bumper and a race chip....

When i declare just an "exhaust modification" it shoots up to £1500 a year... and i have got quotes from loads of companies...

i will attach photos of my car if that helps...

Thanks if anyone could advise or say what they would do in my position.









Bradley Torrance

Offline probedb

  • Always Involved
  • ****
  • Thank You
  • -Given: 9
  • -Receive: 5
  • Posts: 148
Re: Insurance for my GTI which I have modified
« Reply #1 on: February 19, 2021, 12:03:40 pm »
Are you going to specialist insurers or standard companies like Direct Line? Various specialists literally just ask for power levels and a list of mods, my RX7 wasn't much more through a specialist than my stock GTI is through a normal company.

Offline Bradley Torrance

  • Can't Read PM's Yet!
  • *
  • Thank You
  • -Given: 6
  • -Receive: 0
  • Posts: 7
    • Email
Re: Insurance for my GTI which I have modified
« Reply #2 on: February 19, 2021, 12:15:41 pm »
@probedb I have tried both, Adrian flux, Greenlight and all of the general ones too?
Bradley Torrance

Offline Jb55

  • Always Involved
  • ****
  • Thank You
  • -Given: 1
  • -Receive: 10
  • Posts: 102
Re: Insurance for my GTI which I have modified
« Reply #3 on: February 19, 2021, 01:05:03 pm »
I guess you are a younger driver ? It’s not like your car doesn’t look modified so you’d definitely be in trouble if you had to claim for any reason
try all the specialist car insurance company’s and see what price you get and you really only have a couple of options ; pay the insurance to keep your modifications , take some/all the modifications off the car to get the cheaper insurance or pray you don’t have to claim and don’t declare the mods (I wouldn’t do this as it can really mess your future insurance up)

List of a few insurance company’s
Green light
Sky insurance
Adrian flux (up to 15% off if you join the face book group “Mk5 golf owners club uk” )
Chris knott
Prestige keep moving insurance
keith michaels insurance
Brentache

Offline Bradley Torrance

  • Can't Read PM's Yet!
  • *
  • Thank You
  • -Given: 6
  • -Receive: 0
  • Posts: 7
    • Email
Re: Insurance for my GTI which I have modified
« Reply #4 on: February 19, 2021, 02:34:36 pm »
@Jb55 
Thanks for that,

Youre right, im 21 years old so fairly young i guess. i shall try stick to declaring everything just to be safe
Bradley Torrance

Offline DBXdarkangel

  • Always Involved
  • ****
  • Thank You
  • -Given: 12
  • -Receive: 5
  • Posts: 175
    • Email
Re: Insurance for my GTI which I have modified
« Reply #5 on: February 19, 2021, 04:42:47 pm »
@Jb55 
Thanks for that,

Youre right, im 21 years old so fairly young i guess. i shall try stick to declaring everything just to be safe

I was just gonna ask how old are you for that high premium. Mines only £245 a year.

I am 47 tho lol

Offline brian_badonde

  • Taking part
  • ***
  • Thank You
  • -Given: 1
  • -Receive: 3
  • Posts: 28
Re: Insurance for my GTI which I have modified
« Reply #6 on: February 19, 2021, 07:04:05 pm »
I've found sky insurance really good. Listed everything and still got a really good price.

Sent from my SM-G960U using Tapatalk


Offline Pudding

  • Just look at my post count
  • ******
  • Thank You
  • -Given: 2
  • -Receive: 528
  • Posts: 6121
Re: Insurance for my GTI which I have modified
« Reply #7 on: February 19, 2021, 09:03:26 pm »
Your age is the problem.  Not a lot you can do about that unfortunately, with regard to car insurance!

On my Edition 30 with coilovers, bigger brakes, remap, Eibach ARBs etc etc I only pay £300 through LV.

But I'm 47  :grin:   The only time in your life where being an old barstewards pays off.  Everything else about being old sucks arse.



2007 ED30 | Ohlins Coilovers | Revo Map | Plus some other stuff | Is all a GTI needs :-)

Offline Clarkj93

  • Taking part
  • ***
  • Thank You
  • -Given: 0
  • -Receive: 1
  • Posts: 26
Re: Insurance for my GTI which I have modified
« Reply #8 on: February 19, 2021, 10:55:43 pm »
Try bentacre mate. I'm a bit older (27) but they've always offered me the lowest for modded cars by a long way.

Offline GreigC

  • Just Arrived
  • **
  • Thank You
  • -Given: 0
  • -Receive: 0
  • Posts: 16
Re: Insurance for my GTI which I have modified
« Reply #9 on: February 20, 2021, 02:00:04 pm »
Sky Insurance I use to own a Stage 3 APR B5 Audi S4. Really good to deal with.

Sent from my SM-G960F using Tapatalk
« Last Edit: February 20, 2021, 02:03:54 pm by GreigC »

Offline OldGTI

  • Always Involved
  • ****
  • Thank You
  • -Given: 5
  • -Receive: 3
  • Posts: 70
Re: Insurance for my GTI which I have modified
« Reply #10 on: February 20, 2021, 02:05:35 pm »
Your age is the problem.  Not a lot you can do about that unfortunately, with regard to car insurance!

On my Edition 30 with coilovers, bigger brakes, remap, Eibach ARBs etc etc I only pay £300 through LV.

But I'm 47  :grin:   The only time in your life where being an old barstewards pays off.  Everything else about being old sucks arse.

I am 50 in London with loads of no claims and a standard gti and £700 with LV. That does include commuting but I guess that is London for you?


Offline probedb

  • Always Involved
  • ****
  • Thank You
  • -Given: 9
  • -Receive: 5
  • Posts: 148
Re: Insurance for my GTI which I have modified
« Reply #11 on: February 22, 2021, 10:12:35 am »
@probedb I have tried both, Adrian flux, Greenlight and all of the general ones too?

Definitely age and the car I'm afraid. You'll only get sensible insurance on cars in low insurance groups :) I had the same on my first car.

Offline Lewo

  • Won't Shut up.
  • *****
  • Thank You
  • -Given: 5
  • -Receive: 32
  • Posts: 651
    • Email
Re: Insurance for my GTI which I have modified
« Reply #12 on: February 22, 2021, 12:34:51 pm »
Your age is the problem.  Not a lot you can do about that unfortunately, with regard to car insurance!

On my Edition 30 with coilovers, bigger brakes, remap, Eibach ARBs etc etc I only pay £300 through LV.

But I'm 47  :grin:   The only time in your life where being an old barstewards pays off.  Everything else about being old sucks arse.

Wrong side of 50 here and quoted over £500......same sort of mods and a cheaper car too  :sad1: