insurance - do you declare

[funbobby]

im very interested in a sub wrx but it has had the intercooler and turbo upgraded and my insurance company wont touch it. so im wondering how would they be able to tell and if so can anyone recommended a good company that might do a ltd mileage insurance as its a second car.

[ScoobieWRX]

Talk to Gary Moulson at Keith Michaels Insurance. Gary is a fellow Scooby owner and does a cracking good job. He will sort you out with a limited mileage policy and just make sure you decalre any and all mods. Made very little difference to the cost of my policy decalring all my mods and Ketih Michaels were by far the cheapest insurer for me and that's with mine and my partners licence points.

[Animal]

If you buy a policy without declaring any mods to your car you are not abiding by your policy's terms and conditions and as such you would probably find that your insurers would avoid cover (i.e. you would not have any cover in force).

If you then had an accident under these circumstances then you'd be on your own...

[OlberJ]

...and facing driving without insurance charges.

Not a good idea.

[funbobby]

fair enough not one to risk it. best quote ive had so far is about 750, im 37 with full no claims.

[ScoobieWRX]

funbobby said:

fair enough not one to risk it. best quote ive had so far is about 750, im 37 with full no claims.

That sounds a bit high, specially with full no claims. Did you speak to Gary at Keith Michaels??

[steve_bmw]

thats a bit on the minty side for insurance, i am 33 and drive a scooby sti v4 and pay 450 with direct line. They also needed a tracker fitting.
try direct line you may be suprised!

[funbobby]

i emailed gary but they are shut over the weekend so hopefully will get some better quotes tommorow.

[pjlfc]

Try A-Plan as well

They were cheaper for me this year than Michaels with all mods declared

'06 FSTi,Mocom re-map,BC coil overs,WR Sport exhaust,Whiteline Strut Braces and ARB,Goodridge braided hoses.

My advice would be,if you can't afford to declare your mods,don't mod it.It's just not worth the risk these days.

Pete

Edited by pjlfc on Sunday 17th January 22:56