Insurance Renewal

Panchoa · 03-10-2017, 04:33 AM

Hi

Who are people using for insurance where their car has mods such as the M Performance bits? Renewal came through and its a lot higher than last year so wondered whether people were using specialist companies?

Squiretolley · 03-10-2017, 04:37 AM

I was in the same boat, went with A-Plan in the end, really good price and service.

Panchoa · 03-10-2017, 05:12 AM

Quote:

Originally Posted by Squiretolley

I was in the same boat, went with A-Plan in the end, really good price and service.

Direct through their site or via a comparison site?

Archer-s · 03-10-2017, 05:39 AM

Try BMW insurance, mines is with direct line and they were quite cheap for the mods

rossm · 03-10-2017, 05:40 AM

Elephant/Admiral (same parent company), very mod friendly

Watsey · 03-13-2017, 02:24 AM

It depends on how many mods you've fitted. I was with Admiral originally but moved to A-Plan Thatcham once I started getting serious with modifications. Pricing is fair, IMO, and mods are insured whereas many insurers will insure the original car only.

JLR1969 · 03-13-2017, 03:34 AM

LV

mikeoz · 03-13-2017, 05:57 AM

+1 for LV

stu14t · 03-13-2017, 06:45 AM

+2 LV

Cobstar · 03-13-2017, 06:55 AM

Adrian Flux have historically had a good reputation for insuring modified cars at reasonable rates.

Up until last August we had had three cars insured with LV for many years. They were unable to offer cover for theft on my new, manufacturer standard (non-BMW) car in August and without theft cover the quote was £200 more than similar cover (including theft) from other companies.

I arranged 7 day drive away insurance through the manufacturer's scheme and the sales agent guessed the insurer I was coming from as they were based opposite them and then found a genuinely comprehensive cover elsewhere.

Did have the same problem with LV 10 years ago when trying to insure a Mark 5 Golf GTI. We had a third car insured elsewhere so just swapped the cars over. And a couple of years later they provided full cover for the self-same vehicle. Will be interesting to see what they quote when I look to renew the insurance this year.

Tobamory · 03-13-2017, 09:06 AM

just be mindful that some insurance say the following

All modifications done PRE registration are deemed factory, Aviva say that and also direct line...

I did a quote a few days back if i added an exhaust and remap it wanted me to have a black box fitted.............. I'm 46 FFS

just ask then directly they will advise...
I definitely dont add BMW extras like sat nav etc, with the mod i told them it was done before REG so they accepted that....luckily for me mine was done before REG but i still declare the exhaust...

Bianchi Dave · 03-13-2017, 09:22 AM

I've found Direct Line to be very good. They want to know factory options which is no big deal but I also added a couple of cosmetic mods (black grilles and MP diffuser) which they don't charge for at all (not even an admin fee). I was thinking about the Active exhaust a few weeks ago and even that was free to add (no HP gain).

ronime · 03-13-2017, 09:33 AM

Quote:

Originally Posted by Panchoa

Renewal came through and its a lot higher than last year so wondered whether people were using specialist companies?

Motor insurance premiums have been hiked generally over the last year but it doesn't hurt to shop around.

Tobamory · 03-13-2017, 10:22 AM

Quote:

Originally Posted by Bianchi Dave

I've found Direct Line to be very good. They want to know factory options which is no big deal but I also added a couple of cosmetic mods (black grilles and MP diffuser) which they don't charge for at all (not even an admin fee). I was thinking about the Active exhaust a few weeks ago and even that was free to add (no HP gain).

Agree go compare for me was anything from 450 to 700 direct line was 340 quid...

Tengocity · 03-13-2017, 12:53 PM

Another using A-Plan Thatcham office. Been with them 3 years now and would be hard pressed to go back to dealing with a muppet in a call centre again. If you've got a number of mods then they're so much easier to deal with. Customer service is great and the price is good.

NotGotABimmer23 · 03-13-2017, 03:13 PM

Have you called the insurer? They always try to take the piss with renewal quotes but will instantly knock a chunk off once you phone.

Panchoa · 03-13-2017, 03:22 PM

Quote:

Originally Posted by kylemacca01

Have you called the insurer? They always try to take the piss with renewal quotes but will instantly knock a chunk off once you phone.

Yep tried that and they knocked off about £50.

Problem is i have 2 non fault claims over the last year which were both settled and paid by the 3rd partys insurer but clearly these have a huge impact on premiums even though the claims arent my fault

M5 F90 (2018) · 03-13-2017, 03:33 PM

Was with direct line and they do a good deal and now moved to LV with remap due and springs.

NotGotABimmer23 · 03-13-2017, 03:35 PM

Quote:

Originally Posted by Panchoa

Yep tried that and they knocked off about £50.

Problem is i have 2 non fault claims over the last year which were both settled and paid by the 3rd partys insurer but clearly these have a huge impact on premiums even though the claims arent my fault

Cant see them having a big effect unless they were somehow linked and likely to repeat. Sometimes insurance companies just seem to decided they dont want your business anymore and offer you a comically high price.

gr4z · 03-13-2017, 03:42 PM

Even after my total loss claim last year, Direct Line almost halved my renewal quote from ESure. Best by far.

03-10-2017, 04:33 AM	#1
Panchoa Major 659 Rep 1,489 Posts Drives: BMW F30 330d M Sport Join Date: Jun 2016 Location: Leicester iTrader: (0)	Insurance Renewal Hi Who are people using for insurance where their car has mods such as the M Performance bits? Renewal came through and its a lot higher than last year so wondered whether people were using specialist companies?
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03-10-2017, 04:37 AM	#2
Squiretolley Private First Class 49 Rep 199 Posts Drives: F25 X3 35d msport Join Date: Mar 2016 Location: Derby iTrader: (0)	I was in the same boat, went with A-Plan in the end, really good price and service. __________________ 2014 F31 320d M Sport 8AT, MG, M Sport + pack, heated seats, front/rear PDC, M Performance front grille, M Performance twin exhaust pipes.
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03-10-2017, 05:39 AM	#4
Archer-s Captain 247 Rep 805 Posts Drives: on order Join Date: May 2010 Location: Brizzle iTrader: (0)	Try BMW insurance, mines is with direct line and they were quite cheap for the mods
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03-10-2017, 05:40 AM	#5
rossm Lieutenant 286 Rep 520 Posts Drives: F40 M135i Join Date: Aug 2016 Location: Oxford UK iTrader: (0)	Elephant/Admiral (same parent company), very mod friendly
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03-13-2017, 02:24 AM	#6
Watsey Major General 6429 Rep 8,502 Posts Drives: F31 330D sDrive M Sport Join Date: Jun 2015 Location: On sabbatical. iTrader: (1)	It depends on how many mods you've fitted. I was with Admiral originally but moved to A-Plan Thatcham once I started getting serious with modifications. Pricing is fair, IMO, and mods are insured whereas many insurers will insure the original car only. __________________ Current : F31 330sD, remapped, Ohlins Road & Track, Millway camber plates, Quaife LSD, Stoptech brakes + Pagid RSL1 pads all round, Weichers front strut brace, Eibach front & rear anti-roll bars, Michelin MP4S.
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03-13-2017, 03:34 AM	#7
JLR1969 Major General 1882 Rep 7,000 Posts Drives: Kubota GR1600 Join Date: Dec 2008 Location: England iTrader: (1)	LV
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03-13-2017, 05:57 AM	#8
mikeoz Major General 2856 Rep 5,608 Posts Drives: BMW X3 M40d LCI Join Date: Sep 2011 Location: cambs iTrader: (1)	+1 for LV
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03-13-2017, 06:45 AM	#9
stu14t Major 451 Rep 1,201 Posts Drives: 330i MSport Pro Join Date: Mar 2013 Location: Scotland iTrader: (0)	+2 LV __________________ Current - 2021 G20 330i M Sport+ Gone - 2017 F30 335d M Sport + in San Marino Blue Gone - 2015 F30 LCI 320d M Sport+ Step Auto Gone - 2012 F30 320 ED Gone - 2011 E87 118d
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03-13-2017, 06:55 AM	#10
Cobstar Private First Class 41 Rep 119 Posts Drives: BMW X3 30d Join Date: Aug 2014 Location: UK iTrader: (0)	Adrian Flux have historically had a good reputation for insuring modified cars at reasonable rates. Up until last August we had had three cars insured with LV for many years. They were unable to offer cover for theft on my new, manufacturer standard (non-BMW) car in August and without theft cover the quote was £200 more than similar cover (including theft) from other companies. I arranged 7 day drive away insurance through the manufacturer's scheme and the sales agent guessed the insurer I was coming from as they were based opposite them and then found a genuinely comprehensive cover elsewhere. Did have the same problem with LV 10 years ago when trying to insure a Mark 5 Golf GTI. We had a third car insured elsewhere so just swapped the cars over. And a couple of years later they provided full cover for the self-same vehicle. Will be interesting to see what they quote when I look to renew the insurance this year.
	Appreciate 0 Quote

03-13-2017, 09:06 AM	#11
Tobamory Private First Class 36 Rep 138 Posts Drives: BMW M340i 2023 MHT Join Date: Sep 2016 Location: Leeds iTrader: (0)	just be mindful that some insurance say the following All modifications done PRE registration are deemed factory, Aviva say that and also direct line... I did a quote a few days back if i added an exhaust and remap it wanted me to have a black box fitted.............. I'm 46 FFS just ask then directly they will advise... I definitely dont add BMW extras like sat nav etc, with the mod i told them it was done before REG so they accepted that....luckily for me mine was done before REG but i still declare the exhaust...
	Appreciate 0 Quote

03-13-2017, 09:22 AM	#12
Bianchi Dave Lieutenant 339 Rep 535 Posts Drives: G21 M340i Join Date: Mar 2016 Location: Angus iTrader: (0)	I've found Direct Line to be very good. They want to know factory options which is no big deal but I also added a couple of cosmetic mods (black grilles and MP diffuser) which they don't charge for at all (not even an admin fee). I was thinking about the Active exhaust a few weeks ago and even that was free to add (no HP gain).
	Appreciate 0 Quote

03-13-2017, 12:53 PM	#15
Tengocity General 8571 Rep 19,982 Posts Drives: 911, Cayenne Turbo, Disco 4 Join Date: Sep 2013 Location: Crieff, Perthshire, Scotland iTrader: (0)	Another using A-Plan Thatcham office. Been with them 3 years now and would be hard pressed to go back to dealing with a muppet in a call centre again. If you've got a number of mods then they're so much easier to deal with. Customer service is great and the price is good. __________________ Current: Porsche 911 991 C4S, Porsche Cayenne Turbo, Land Rover Discovery 4. Gone...G01 X3 M40i, Cayman S 987, F31 340i, Cayman GT4, F82 M4 CP, Lotus Exige V6, G20 330e, F30 330e, Boxster S 987, F31 335d, Mini Cooper SD, E89 Z4, E90 330d 320d, E60 520d, E46 330d 320d, MX5s, E30 325i
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03-13-2017, 03:13 PM	#16
NotGotABimmer23 Colonel 834 Rep 2,116 Posts Drives: 340i touring - incoming Join Date: Oct 2016 Location: Leicestershire UK iTrader: (0)	Have you called the insurer? They always try to take the piss with renewal quotes but will instantly knock a chunk off once you phone.
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03-13-2017, 03:33 PM	#18
M5 F90 (2018) Lieutenant 141 Rep 401 Posts Drives: M5 Join Date: Sep 2015 Location: UK iTrader: (0)	Was with direct line and they do a good deal and now moved to LV with remap due and springs.
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03-13-2017, 03:42 PM	#20
gr4z Colonel 1135 Rep 2,808 Posts Drives: i4 e40 Join Date: May 2008 Location: Stamford iTrader: (0)	Even after my total loss claim last year, Direct Line almost halved my renewal quote from ESure. Best by far. __________________ Current: G26 i4 M Sport Pro, Tech Pk, Sunroof Previous: 2016 440i MPPSK, 2014 330d Saloon F30, 2013 Audi S4 Avant, 2011 Mercedes C350
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