Modified car Insurance

[beemarman]

Trying to get a quote on a slightly modified car is a nightmare.

Car: BMW 850ix
Modification: Lowered springs and Spacers.

Quotes without modification range from £1500-2000.

Quotes with modification range from £3000-5000.

How do guys fully declare your modification with the current insane prices?

Currently, Direct Line and Admiral wouldn't quote with modification and A-Plan was utter rubbish. What insurance are people using for modified cars?

I'm 51 years old, driving for over 25 years, with no points and one accident fault in 2019. My home is in Surrey.

Edited by beemarman on Wednesday 3rd January 16:21

[BlackStang5point0]

Admiral here. GR Yaris. About £20 to add the mods (exhaust, intake etc) and about that again for an admin fee from memory.

[beemarman]

BlackStang5point0 said:

Admiral here. GR Yaris. About £20 to add the mods (exhaust, intake etc) and about that again for an admin fee from memory.

Did you get the insurance and then add the mods after, or did you get the quote with the mods already in place?

Edited by beemarman on Wednesday 3rd January 16:25

[Supert Stu]

No Affiliation but these get mentioned-

APlan ( Thatcham branch specifically)

Brentacre Insurance

Greenlight Insurance

[Dr G]

I use Brentacre who are very helpful on the subject, and their prices fair in my experience.

[beemarman]

Supert Stu said:

No Affiliation but these get mentioned-

APlan ( Thatcham branch specifically)

Brentacre Insurance

Greenlight Insurance

APlan ( Thatcham branch specifically) was the most expensive.

[lambeth]

I have 3 modified car policies.
One with Adrian Flux and two with Safely Insured.
Both are easy to deal with.

[and31]

beemarman said:

APlan ( Thatcham branch specifically) was the most expensive.

I’ve been using these for several years on my modified cars and they’ve been great.

[Jamescrs]

Greenlight had a blanked "No" on BMW's, don't know if they still have that policy.

Sky insurance and Adrian Flux are two others to consider

[Court_S]

Chris Nott were good when I had my M140i with a few mods including lowering springs.

[FMOB]

Heard good things about AIB Insurance, haven't used them myself but considering modifying the DD car.

https://www.aib-insurance.co.uk/

[garypotter]

Been using Gary Moley Moulson at Keith Michaels for many years for previous and my current two vehicles, one modified no problem.

[Mr Tidy]

I've used Adrian Flux and Chris Knott for my modified BMW Z4M alternate years as both jack the renewal price up!

Car has coil-overs, strut brace, non-original back-boxes and Aero sills.

[BlackStang5point0]

beemarman said:

Did you get the insurance and then add the mods after, or did you get the quote with the mods already in place?

Edited by beemarman on Wednesday 3rd January 16:25

Yes, insured as a std car then added the mods as a change.

[fido]

Just gone back to previous insurer (won't advertise them but the are mentioned here) as quotes are up 30% from last year for modified vehicles.

[Mr Miata]

Mr Tidy said:

Car has Aero sills.

What increase in performance do you get from changing the sills?

An extra 100 bhp and at least 3 seconds off the 0-60 time?

[tommysport]

Brentacre

Howdens (well worth a try as they are a broker)

Adrian flux

Sterling

Greenlight

Keith Micheals


Are the main go-to's

It's a genuine nightmare because you have to phone each one for 20+ minutes to be put into the random number generator.

For reference, same details, m140i, KM and greenlight flat out refuse just because it's a BMW lol.

Also, I had one quote me £1600 and one £800. So varies massively. Too many variables!

[Andy_400Sport]

You'll need a specialist insurer. My M14 was cheaper to insure after i'd modified pretty much everything than it was stock.

[EmilA]

I'm insured with ERS via Heritage. Policy went up by £1 from last year, but it's less than your stock car insurance quote. Every single modification declared, approx 380 rows on an excel document.

[J4CKO]

I was with "Safely Insured" last year who got bought out by Quotax for my modified Fiesta ST.

Last year was ^20 I think, £665 this year after initially sending a letter saying they were not offering a renewal price, i rang them to find out why and they quoted, he initially said no quotes had been returned, like all insurers had completely stopped insuring them, turns out the wifes job title no longer exists and has been changed and thats what was stopping it quoting.

13 years NCD, low risk area, security on, im 54, how these young lads insure them I will never know.