Insurance, what a joke.

[Baked_bean]

I just phoned up direct-line for an insurance quote and they refuse to insure me because it has an after market head unit and im under 25...... Seriously?
Don't know the point of this post but it pisses me off.

[Gizmo!]

Phone a proper insurance company or broker then, not a company whose stock in trade is boring people and their boring cars.

[soad]

Try others, you'll get there in the end.

[Speed_Demon]

Yeah, direct line are hilarious.

[bazking69]

Some won't touch cars modified in any way. Plenty will though.

[TheCarpetCleaner]

Speed_Demon said:

Yeah, direct line are hilarious.

They quoted me £1700 a year on a standard Ford Mondeo, 53 plate when I was 27.

Average quote was £350ish

Looks like they can't quote sensibly for anyone!

[shouldbworking]

Reaffirms what I thought about their radio adverts

'you wont find our prices on comparison websites'

because they arent competitive....

[Dan_1981]

How many people here declare an aftermarket headunit?

I guess if you don't your not strictly insured are you as i guess its a modification?

But how many people have bought cars with one already installed and not realised or similar?

[inman999]

They were doing an offer recently 10 months for the price of 12 iirc.

Why not say a year for the price of a month, there still 3 times the price of a competitive quote.

Is it worth declaring. If the headunit is less than your excess then you wouldn't be claiming would you.

[RossB_eg4]

Dan_1981 said:

How many people here declare an aftermarket headunit?

I guess if you don't your not strictly insured are you as i guess its a modification?

But how many people have bought cars with one already installed and not realised or similar?

I personally thought it wasn't something you declared as a modification, every insurance company i've been with have always included X amount of stereo cover as part of their policy.

[frosted]

Direct line qouted me &1200 on bnew is250 when I was 22 living in Wandsworth .

Don't think I would ever treat a aftermarket stereo as a modification

[109 Bob]

These red phone people lied to me two years on the trot so now I wouldn't use them if my life depended on it..

I agree with some above & would not declare a head unit as a modification, it's an upgrade of audio equipment & nothing more.

[mcflurry]

They refused to cover my Smart Brabus Cabrio unless I got an after market immobiliser, or got DCUK to Thatcham approve the existing one...

The car already had an immobiliser fitted by the manufacturer, but DCUK hadn't Thatcham approved it as the car was below an insurance group 10. As DL use a different scale (IIRC 10-99 instead of 1-20) it caused a stalemate.
As I already was 10 months into the policy and would lose a years NCB if I moved elsewhere it left a bad taste

[109 Bob]

Just an afterthought but do you have a chequered driving history or maybe you're trying to insure a high risk vehicle? I only ask because my young friend is under 25 & she is presently insured with the same people as they quoted lower than anyone else. And no she did not declare her after-market head unit (which I installed).

[ingham]

i had a modified insurance firm not able to quote due to roll cage !

[Kozy]

ingham said:

i had a modified insurance firm not able to quote due to roll cage !

Yes but that's moving up inot the realms of competition car which requires another tier of specialist insurers again.

Plenty will not quote for roll cages.

[Gad-Westy]

Gizmo! said:

Phone a proper insurance company or broker then, not a company whose stock in trade is boring people and their boring cars.

Oi, I resemble that comment!

We're with them for the Eunos, because oddly enough they're one of only a handful of companies that don't make a disitinction between the MX5 and Eunos and so they were cheapest of the lot.

[Torquey]

A little bit O/T but to what extent do you tell your insurance company of modifications?

Tyres? Mud flaps? speakers? Wiper blades? Headlight bulbs?

There are no definitive guidelines so if an insurance company wanted to find you un-insured I'm sure they could do so to almost any car.

[109 Bob]

Torquey said:

A little bit O/T but to what extent do you tell your insurance company of modifications?

Tyres? Mud flaps? speakers? Wiper blades? Headlight bulbs?

There are no definitive guidelines so if an insurance company wanted to find you un-insured I'm sure they could do so to almost any car.

I agree, it seems a very grey area.

ETA.. Maybe the guy with the clean desk could give us some sort of inside guidelines.

Edited by 109 Bob on Wednesday 31st March 13:07

[Accelebrate]

soad said:

Try others, you'll get there in the end.

That.

Or give up early and write to the Daily Mail...

http://www.dailymail.co.uk/news/article-1261757/Th...