Hey guys and gals.

Basically I'm after any insurance companies that would insure a 17 year old with modifications. I dont mean anything to big, just maybe new wheels, an induction kit, and mayeb coil overs.

Would more than insure me?

norwich union?

thanks.

Hey guys and gals.

Basically I'm after any insurance companies that would insure a 17 year old with modifications. I dont mean anything to big, just maybe new wheels, an induction kit, and mayeb coil overs.

Would more than insure me?

norwich union?

thanks.

Mate, don't declare shit, when they ask you the famous 'are there any modifications to the vehical' you say no, when they ask you the annual milage, you say under 5000, also, your car is kept in a garage over night.

Just gotta be careful where you leave your car if your modding, because if it got nicked then you won't get as much $ back ...

Trust, they'll rape you otherwise.

^^^ One of the most stupid replies I've ever heard.

Haz, if you really want to get the car modified, there are a few companies (Adrian Flux is one), but not a big selection that will cover someone that young with mods.

How long until you're birthday? Once you turn 19 then there are more companies then - HIC, Greenlight, I think Brentacre ask you to be 19 too.

Edited 29 April, 200818 yr by lunalupi

What mods?

Try quinn direct.

to be honest i only really want to lower the car, and induction kit.

Maybe wheels and tinted windows but I'm not sure yet.

Alot of my mates do all of these and dont declare, but i like to do things by the book.

Hey guys and gals.

Basically I'm after any insurance companies that would insure a 17 year old with modifications. I dont mean anything to big, just maybe new wheels, an induction kit, and mayeb coil overs.

Would more than insure me?

norwich union?

thanks.

Mate, don't declare shit, when they ask you the famous 'are there any modifications to the vehical' you say no, when they ask you the annual milage, you say under 5000, also, your car is kept in a garage over night.

Just gotta be careful where you leave your car if your modding, because if it got nicked then you won't get as much $ back ...

Trust, they'll rape you otherwise.

And be careful you don't ever crash into anyone and injure anyone or the points you will get for having no insurance will be the least of your worries when the other party claims for personal injury. Following this idiot's advice you might as well not insure the thing at all, you're paying for a void policy.

Relative to how much you'll pay for plain insurance declaring the mods you're talking about won't be that much more. Best thing you can do is ring round for quotes then choose which suits you best.

Obviously, it is better to do it by the book, but, as a 17 year old, it's gonna be really expensive either way, what size is the engine?

I may be an idiot, but, when I was a 17 year old kid, I was in full time education and working 8 hours on a Saturday morning, I know I didn't have a lot of cash left over from a £1,300 insurance quote, and that £1300 was as my car was standard.

And that's how my car had to stay, becasue I couldn't afford anyhting else.

You gotta tax it and put petrol in it yet, then do the mods that you wanna do.

It don't grow on tree's.

Best thing to do is to get quotes on both it being modded, and then standard as it is at the minuet.

I aint sure how in depth they'd go into looking at your mods, say you put some expensive wheels on, but they're the same size as the standard wheel, then, I'm guessing your insurance would go up, to cover the cost of your wheels, but, if you did come to have a claim made against you, would they be able to say anyhting, because on paper the wheels are the same ... thats my argument.

Either way, Tesco are quite good by the way mate for car insurance with your age and that, I had a mk2 Cortina for my first whip, and thats the only place that would insure it, not even classic car insurance companys would insure me, like someone said before, it changes when you're 19, and that's how old I'd have had to be before I could get classic car insurance.

A mate of mine went with Adrian Flux aswell, so maybe check them out, and also Direct Line.

Edited 29 April, 200818 yr by matt_lafferty_mk3

I was in a similar situation with my first car with Tesco as well actually, full time education with weekend job, same price insurance. It wasn't easy but if you can't afford to insure the mods you just shouldn't have the mods. You can't rely on other people to not crash into you or rely on you not crashing. I'm sure everyone thinks they're never going to crash but clearly lots of people do no matter how good their intentions were.

If we're talking Tesco I added alloy wheels to mine about half way through my first year (at 17, 0ncb) and it cost about £40 which on top of a £1300-ish policy really isn't that much difference for being legal and having a chance of getting your car/money back in the event of a claim.

I was in a similar situation with my first car with Tesco as well actually, full time education with weekend job, same price insurance. It wasn't easy but if you can't afford to insure the mods you just shouldn't have the mods. You can't rely on other people to not crash into you or rely on you not crashing. I'm sure everyone thinks they're never going to crash but clearly lots of people do no matter how good their intentions were.

If we're talking Tesco I added alloy wheels to mine about half way through my first year (at 17, 0ncb) and it cost about £40 which on top of a £1300-ish policy really isn't that much difference for being legal and having a chance of getting your car/money back in the event of a claim.

See mate, I didn't realise it was that cheap, I didn't look into it becasue I couldn't even afford a set of wheels after insurance with rent and stuff, so I think you got your answer kidda.

I was just going off past experience, and a car that was clocking on 35 years old, not a VW.

And Ray2k is right on that, you can't rely on someone not to go into the back of you, or you to go into the back of somebody, and if it's as cheap as 40 quid to insure your wheels, then I'd say insure them aswell.

Does it depend on what wheels are on the car to how much they cost to insure??

Either way man, it's gonna be expensive, it's just one of those things that we all have to pay aint it.

Maybe it is worth waiting till your 19, it just aint as fun is it though?

haha.

If you can't afford it don't do it...

Tried confused.com? It sometimes brings back favourable results. Good luck, insurance can be such a joke.

Edited 29 April, 200818 yr by Tav

Does it depend on what wheels are on the car to how much they cost to insure??

I should emphasise that the £40 was about half way through the policy, so probably more like £80 extra for the whole year. Anyway sounds like you're not such an idiot but that was very bad advice!

Neither of my two insurance companies gave a damn what wheels/size they were other than whether they're aftermarket or factory/dealer fit.

Thought I'd look into this more, for myself aswell ...

Here's one way of going about it ...

Do your Mods, declare them, but do your pass plus, sat with my mate now, he did it and it can knock like 47% off his ...

He was insured at 17 for £600 odd on a 1.4 Mini, which he declared in all it's glory.

(Norwich Union that was with ...)

As for just passing your test, and then declaring, apparantly, you have to pay 80% of the wheels valuation you put on your car, so, if you got flashy wheels, it's gonna put it up and dent the bank balance.

Dunno about the suspension though, somebody else might be able to help you out on that.

I don't know anybody who has declared wheels on their insurance though in all honesty, but, they aint rollin' round on Scmidt's either ...

If your dropping a lump into your car and things of that nature, then obviously, insure it.

But yeah, like I said ring round mate, just thought I'd throw some figures out there, this might be different for different insurance companys though, so check that thing about the pass plus out.

I think it's only like an extra 5-7 lessons extra, just motorway driving and driving at night, heard it was easy, you just gotta fork out for those extra lessons and the test.

And Ray2k, I made that sound a bit vauge what I put on that first post, so I did sound like an idiot really, I was just referring to the wheels though man and things of that nature, hold my hands up!

Edited 29 April, 200818 yr by matt_lafferty_mk3