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Author Topic: Insurance prices/Declaring Mods  (Read 529 times)

Offline Jons1001

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Insurance prices/Declaring Mods
« on: June 02, 2021, 01:14:23 pm »
Just curious to know what sort of money people are paying for insurance and also which mods you declare?

-35 Years old
-5 Years no claims
-8k miles pa
-South east
-MK5 gti dsg
-Air intake declared (doesn't seem to make a difference).

Best quote is £440.

Do you guys declare remap, decat etc.
« Last Edit: June 02, 2021, 01:24:52 pm by Jons1001 »

Offline Andy

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Re: Insurance prices/Declaring Mods
« Reply #1 on: June 02, 2021, 01:22:20 pm »
My r32 its on limit milage all mods declared £340

Offline Jb55

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Re: Insurance prices/Declaring Mods
« Reply #2 on: June 02, 2021, 04:58:57 pm »
Always declare all mods it’s not worth the hassle if you need to claim. I’m a similar age with 4 years no claims. I don’t think you can declare decat as it’s illegal to be on the road without a cat  :signLOL:

Exhaust
Lowered
Induction
Alloys
Stereo
headlights and tail lights
a few interior/exterior mods
£470

Offline Jons1001

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Re: Insurance prices/Declaring Mods
« Reply #3 on: June 02, 2021, 07:33:03 pm »
Always declare all mods it’s not worth the hassle if you need to claim. I’m a similar age with 4 years no claims. I don’t think you can declare decat as it’s illegal to be on the road without a cat  :signLOL:

Exhaust
Lowered
Induction
Alloys
Stereo
headlights and tail lights
a few interior/exterior mods
£470

Who is that with mate?

Offline Eighteen88

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Re: Insurance prices/Declaring Mods
« Reply #4 on: June 02, 2021, 08:17:07 pm »
£434 with all mods listed, 11yrs NCB & two non-fault accidents in the last 4yrs.

Like others have said not worth the hassle not listing any mods you have.
Milltek Non Resonated Cat-Back exhaust “edition 35”, Forge PCV Delete, APR Stage 1 Remap & APR DSG Remap, Volkswagen racing intake, Volkswagen racingline sport springs, Audi R8 Coil Pack, GFB DV+

Offline Jb55

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Re: Insurance prices/Declaring Mods
« Reply #5 on: June 02, 2021, 09:28:18 pm »
@Jons1001 not long changed from sky to brentacre

Offline Lewo

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Re: Insurance prices/Declaring Mods
« Reply #6 on: June 02, 2021, 09:58:22 pm »
I've just renewed with HIC now called Sterling.
Heard some say that the underwriters, KGM aren't that good but when I had a no fault claim a couple of years ago they were ok if not a bit slow.
As for prices there are so many variables in car, regions, street parking etc etc.
Just get a few quotes I'd say.

Offline Pudding

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Re: Insurance prices/Declaring Mods
« Reply #7 on: June 05, 2021, 03:54:48 pm »
Just curious to know what sort of money people are paying for insurance and also which mods you declare?

-35 Years old
-5 Years no claims
-8k miles pa
-South east
-MK5 gti dsg
-Air intake declared (doesn't seem to make a difference).

Best quote is £440.

Do you guys declare remap, decat etc.

- 48 years old
- Max no claims (well over 10 years)
- 15K miles pa
- East Anglia
- Edition 30 manual
- All mods declared (7R brakes, suspension, ARBs, Revo map)
- £306 Fully comp through LV=

I think being an old fossil is largely responsible for the low price  :grin:

As above, I'd rather use a big player vs a broker like Flux, HIC, Greenlight etc as they underwrite through some terrible companies like Marker Study  :doh:

I rate LV= actually.  They've consistently renewed cheaper than the previous year and use recognised brands for screen replacements and the best local bodyshops etc.


« Last Edit: June 05, 2021, 03:58:19 pm by Pudding »


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

Offline TerryDeirdre

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Re: Insurance prices/Declaring Mods
« Reply #8 on: July 05, 2021, 03:30:40 pm »
I never accept additional policies when insuring my car. I have read on moneyexpert.com  that insurance companies make their customers pay more money for the contract. When I insured my first car, I made many mistakes, and I paid a lot of additional money. As a new driver, you will be charged the very highest premiums on insurance. This is because you are more like to be involved in an accident. Even though this sounds like bad news, there are different ways to save some additional money. The best option is to choose an easier insurance plan.
« Last Edit: July 09, 2021, 10:10:53 am by TerryDeirdre »