Mods friendly insurance companies

Mustard3 · 09-09-2011, 03:44 PM

Assuming everyone declares all their mods, ehem, which insurance companies have you found to - (a) not pull your pants down on the premium increase - (b) understand what the modification actually are, without being put on hold 'while I ask my supervisor what the hell a diffuser is.'

My present insurer refused to cover me if I replaced my springs (1 broken) with a set of Eibachs!

I hope to be getting a 335d (or i) in the near future and a remap, maybe LSDiff won't be far behind, if funds allow.

m1bjr · 09-09-2011, 06:24 PM

Admiral

Jaws_78 · 09-09-2011, 07:15 PM

Admiral, Bell and Elephant all seem pretty reasonable. I have declared mods with both Admiral and Bell before and Elephant is also part of the same company. You can get quotes online and list mods in the quote to give you an idea. It's always worth a try.

EssexIan · 09-14-2011, 02:05 PM

Insured my re-mapped 335d with LV online, were actually cheaper than I was paying for it with another company while it was standard! Seem hassle free so far and website has a whole list of modifications you can select and the modifucations are listed in the paper work I received so they cannot claim they had made a mistake/ didn't know about mods.

Stay away from Halifax insurance, want to charge for every little thing and were useless when I wanted to get the car re-mapped.

Ian

CardinalZeus77 · 09-15-2011, 09:28 AM

Admiral

Mustard3 · 09-15-2011, 10:40 AM

Quote:

Originally Posted by EssexIan

Insured my re-mapped 335d with LV online, were actually cheaper than I was paying for it with another company while it was standard! Seem hassle free so far and website has a whole list of modifications you can select and the modifucations are listed in the paper work I received so they cannot claim they had made a mistake/ didn't know about mods.

Ian

This is interesting. I'll keep it in mind.

Mike in Hampshire · 09-15-2011, 03:53 PM

Quote:

Originally Posted by Mustard3

This is interesting. I'll keep it in mind.

Yep, another Admiral customer here - see my signature, but they are reasonable about my mods.

Aviva, on the other hand, wanted £8000!!!!! I kid thee not. Admiral? £350 to you, Sir, with the same specs. Don't get the Aviva deal!

Mike.

Cozy · 09-16-2011, 04:56 AM

Remember with The Admiral Group, they will insure your car with mods but they won't insure your mods. Meaning, that lovely aftermarket exhaust you have that got bent when someone rear ended you will be replaced with an OE exhaust. As for the price of their premiums, very very good and they handle claims well in my experience.

If you want your mods insured on a like for like basis then I suggest Adrian Flux, Chris Knott (if you're over 30) or Brent Acre. Beware Greenlight, they have been found to trawl forums and catch out any of you who have left the odd mod here and there off of the policy...

09-09-2011, 03:44 PM	#1
Mustard3 Lieutenant 102 Rep 403 Posts Drives: F31 340i Join Date: Sep 2011 Location: UK iTrader: (1)	Mods friendly insurance companies Assuming everyone declares all their mods, ehem, which insurance companies have you found to - (a) not pull your pants down on the premium increase - (b) understand what the modification actually are, without being put on hold 'while I ask my supervisor what the hell a diffuser is.' My present insurer refused to cover me if I replaced my springs (1 broken) with a set of Eibachs! I hope to be getting a 335d (or i) in the near future and a remap, maybe LSDiff won't be far behind, if funds allow.
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09-09-2011, 06:24 PM	#2
m1bjr LSD - No, you're not seeing things 76 Rep 3,302 Posts Drives: Baby F36 Gran Coupe Join Date: Mar 2010 Location: Plymouth UK iTrader: (4)	Admiral __________________
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09-09-2011, 07:15 PM	#3
Jaws_78 Enlisted Member 1 Rep 39 Posts Drives: E90 320D M Sport Join Date: Oct 2010 Location: Plymouth, UK iTrader: (0)	Admiral, Bell and Elephant all seem pretty reasonable. I have declared mods with both Admiral and Bell before and Elephant is also part of the same company. You can get quotes online and list mods in the quote to give you an idea. It's always worth a try.
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09-14-2011, 02:05 PM	#4
EssexIan Private First Class 1 Rep 115 Posts Drives: E91 335d MSport Join Date: Dec 2010 Location: Sunny Essex iTrader: (0)	Insured my re-mapped 335d with LV online, were actually cheaper than I was paying for it with another company while it was standard! Seem hassle free so far and website has a whole list of modifications you can select and the modifucations are listed in the paper work I received so they cannot claim they had made a mistake/ didn't know about mods. Stay away from Halifax insurance, want to charge for every little thing and were useless when I wanted to get the car re-mapped. Ian
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09-15-2011, 09:28 AM	#5
CardinalZeus77 Captain 198 Rep 817 Posts Drives: Porsche 991.2 Carrera S Join Date: Jul 2005 Location: United Kingdom iTrader: (0) Garage List 2019 G20 BMW 320d X ... [0.00] 2014 BMW F80 M3 [10.00]	Admiral __________________ Current: 991.2 Carrera S Sold: BMW G20 320d Xdrive M Sport Sold: Porsche Macan GTS Night Blue / Full GTS Interior Sold: F80 M3 Black Sapphire/Sakhir Orange Sold: E92 M3 Jerez Black/Fox Red Leather
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09-16-2011, 04:56 AM	#8
Cozy Major 130 Rep 1,487 Posts Drives: E82 135i Join Date: Mar 2011 Location: Surrey, England iTrader: (0)	Remember with The Admiral Group, they will insure your car with mods but they won't insure your mods. Meaning, that lovely aftermarket exhaust you have that got bent when someone rear ended you will be replaced with an OE exhaust. As for the price of their premiums, very very good and they handle claims well in my experience. If you want your mods insured on a like for like basis then I suggest Adrian Flux, Chris Knott (if you're over 30) or Brent Acre. Beware Greenlight, they have been found to trawl forums and catch out any of you who have left the odd mod here and there off of the policy...
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