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I did a few insurance quotes post this, some coming out in the grand mark, managed to get directline on an offer locked in until april 31st for 766.30 with £350 excess so holding onto that one as previous cheapest was 750's.
Is that with Mods?
 
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Is that with Mods?
No, need to call them up to sort them out, no button on their site to talk about it. Wrap i don't have to disclose to them as it's removable and they can replace the part without wrap, i'll just have to get them rewrapped.

As for spoiler, winglets, tune, Exhaust etc, we'll see when I ge thtem if I disclose. (winglets and spoiler i'll have to).
 

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One thing I will say and don't take this as any joke. DO NOT RISK NOT DECLARING MODS. If your car is wrapped it is a modification. An exhaust can be removed too remember.
If you got a wrap and don't declare it your insurance will be VOID.

Your young you need to make sure insurance companies will even insure you in a modified car.
I had to change insurance companies when I was 26 to fit an exhaust...

By the sounds of it this is your first "tuner" car. You can't just mess around with insurance mate. It's not worth it. If you crash you will be stung HARD!
 

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Jimboy2

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One thing I will say and don't take this as any joke. DO NOT RISK NOT DECLARING MODS. If your car is wrapped it is a modification. An exhaust can be removed too remember.
If you got a wrap and don't declare it your insurance will be VOID.

Your young you need to make sure insurance companies will even insure you in a modified car.
I had to change insurance companies when I was 26 to fit an exhaust...

By the sounds of it this is your first "tuner" car. You can't just mess around with insurance mate. It's not worth it. If you crash you will be stung HARD!
 
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Manders Mustang

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I'm aware, i've still got to physically speak to them about it all. As with 'decals/mods' you could claim that people who put stickers (actual stickers) on their car as a mod.

I'll declare them (Wrap/Exhaust are the only confirmed atm), just not ask for them to be covered in the policy.
 

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You right. But they might struggle in court over a window sticker. But if you get body decals you need to tell insurance.
They probably won't insure your exhaust like for like anyway. Not many do. They will just put stock back on in the event of the claim.

I just think you might have a bit of a shock when you tell them mods. I'm expecting mine to go up by about 250 when I tell them about my exhaust. And I'm 31 and have a history of performance cars.

Don't want to scare you just don't want you to have a shock
 
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Let me do a run on direct line and i'll get back to you Jimbooo :)
 
 








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