No insurance quote due to suspension mods

Discussion in 'Insurance' started by jammy111, Jul 6, 2019.

  1. 6 Jul 2019 at 12:31 PM #1
    jammy111

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    Hi all,

    Doing the usual ringing around for quotes and just been given a blanket 'we won't insure the car' (e46 m3 coupe) by both admiral and Aviva because its got suspension modifications (Koni yellow dampers + H&R lowering springs). It has got a few others on too, but nothing crazy (BBK, arbs, alloys etc) Has anyone ever heard of this before - seems a bit daft and im almost sure both these companies quoted me last year with the same mods declared.

    Suppose next question is who to try next?
     
  2. 6 Jul 2019 at 12:38 PM #2
    XKaLiBaR

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    Your after market suspension will cause you to have better control of your vehicle, which could help you to avoid an accident.

    I don’t see what the problem is, makes perfect logical sense.
     
  3. 6 Jul 2019 at 12:43 PM #3
    jammy111

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    baffling - here's is one for you - just tried confused.com and admiral appears as the best price with all the mods declared. Having followed it through to admirals website it clearly states the suspension mods on the policy quote. obviously the call centre agent was having a shocker saying they couldn't cover the car.

    £403 for the year fully comp with £500 excess for those looking.
     
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  4. 6 Jul 2019 at 2:38 PM #4
    XKaLiBaR

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    You have to be extremely careful when working for an insurance company, when you have to tell people stuff that makes no sense.
     
    Last edited: Jul 6, 2019
  5. 6 Jul 2019 at 6:25 PM #5
    Telsy

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    Just be careful.

    I used a comparison site for home insurance a few years ago and one of the filters I ticked was no monitored alarm. Loads came up, all noted no monitored alarm, so picked the first reasonable price for a name I recognised and went on and took the policy. Few days later, reading the policy which cane through the post, it turned out I was insured with no monitored alarm, just for theft or attempted theft! Thanks guys!

    So, whilst they will insure, check what they will insure you for.
     
  6. 6 Jul 2019 at 7:53 PM #6
    Moonstone

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    My RS5 with KW Variant 3s is insured by Aviva.
     
  7. 7 Jul 2019 at 10:11 AM #7
    zulfario94

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    I'm insured with admiral with a full host if mods declared so im surprised they didn't want to insure you. I usually go through confused however this year rang up for renewal and they covered the mods over the phone and added some too. They're by far the cheapest insurance company for myself but they don't cover mods like for like if an accident was to occur which is the only downside.
     
  8. 7 Jul 2019 at 8:58 PM #8
    DAN@ADRIAN

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    Hi,
    Please feel free to give us a try for insurance if you haven't done so already.
    Regards,
    Dan.
     
  9. 7 Jul 2019 at 9:22 PM #9
    Moonstone

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    You boys quoted me over £4000 and wanted me to fit a tracker...

    You really should get an online quoting system up. Took nearly 20 minutes on the phone only to be quoted sheer nonsense. I get you can’t be competitive for all risks but come on...
     
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  10. 8 Jul 2019 at 1:56 PM #10
    M3SFY

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    TRY sky insurance they used to be a sponsor on here and insure mine with all mods listed
     
  11. 10 Jul 2019 at 9:30 PM #11
    DAN@ADRIAN

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    Hi.
    If you wanted to PM me your quote details I'd be happy to take a look at it to see why it's so high. Unfortunately tracker requirements are becoming more frequently I'm afraid for certain high risk vehicles especially if they are keyless.
    Regards,
    Dan.
     
  12. 11 Jul 2019 at 7:50 AM #12
    Moonstone

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    Aviva insured it with no tracker requirement and all mods covered for 600 quid, Dan. Other quotes from comparison sites were coming in around 900-1200 from mainstream insurers so I’m wondering what business Adrian Flux is interested in these days? Older modded cars with a lower value?
     
  13. 11 Jul 2019 at 9:14 AM #13
    dino

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    You see, you me and practically every other motorist with an ounce of sense will agree with this statement but insurance companies will look for any excuse to raise premiums / exclude / or not pay

    It's utter madness.
     
  14. 13 Jul 2019 at 8:11 PM #14
    jammy111

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    I sort of get it in that someone who’s got a modded car (even if it’s just suspension) is more likely to be a car nut and prone to hoofing it every now and then = greater risk.
     
  15. 18 Jul 2019 at 9:46 PM #15
    monkeyboy

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    I’m with direct line all mods declared (exhaust/intake/suspension/bbk etc) no additional premium for any of them were with aviva before too
     

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