Modded Griff owners - how much extra to insure?
Modded Griff owners - how much extra to insure?
Author
Discussion

Steve_T

Original Poster:

6,356 posts

301 months

Thursday 15th July 2004
quotequote all
Folks,

I'm in the process of upgrading my Chim 500, some ACT induction mods and a Mark Adams chip and rolling road. Most of the upgrade threads I've read of on PH have been done by Griff owners, hence the question here. For those who've upgraded, what did you have done and how much did the insurance go up by.

Thanks,

Steve.

Ballistic Banana

14,706 posts

296 months

Thursday 15th July 2004
quotequote all
Havent had any engine mods engine wise except silicon air hoses and water pipes.
Had a roll bar put in and Classic line didnt want any more money just a letter to confirm i had had it done.

BB

rude girl

6,937 posts

288 months

Thursday 15th July 2004
quotequote all
I haven't had to pay any extra for the suspension or roll bar, but I believe that's because the broker put in a good word for me with the underwriter - they said that a third set of mods would hike it.

The additional cost on insurance of having my Fabia chipped is about £50pa.

Guillotine

5,516 posts

293 months

Thursday 15th July 2004
quotequote all
i've pretty much done the lot.

speak to Aarun at sunninghill 0870 787 8019.

he sorted mine at an increase of 10% he now knows TVRs, the tuners and the right track people. AND he's user friendly (if you know what i mean!)

this includes trackday cover which is worth a FORTUNE!
ask around, but i couldn't find better!

Steve_T

Original Poster:

6,356 posts

301 months

Thursday 15th July 2004
quotequote all
I'm with Sunninghill currently, so that's good to hear. The Nitrons are on, no issue there, the initial rolling road setup will hopefully not make too much difference either. What might make the difference is an ACT triple plenum, 404H and uprated injectors, but I'm holding off doing that for now ...

Steve.

angusfaldo

2,831 posts

303 months

Thursday 15th July 2004
quotequote all
I've pretty much everything on mine. P404, chipped, brakes, exhaust, remapped, suspension upgrades, rollbar etc etc.

My standard Griff, a 1996 N was 600 fully comp with business use and unlimited mileage.

The modded one is 580 unlimited mileage, business use, fully comp. The minor difference comes about because I moved 2 miles this year so have adifferent post code.

The service agent wrote a nice note for the insurers explaining that the P404 really only makes the torque more useable and does not give a noticeable increase in performance

insured by direct Line.

starmist

1,052 posts

271 months

Friday 16th July 2004
quotequote all
rude girl said:

The additional cost on insurance of having my Fabia chipped is about £50pa.
Always thought that was an unfortunate name for a car, especially when a female owner is referring to it.

sorry, probably heard that mentioned a thousand times already....taxi!

Horse_Apple

3,795 posts

271 months

Friday 16th July 2004
quotequote all
I argued that as the mods did not take power upto the level that they were insuring me at there was no extra to pay.

Although I suspect that insurance next year could break the £500 mark for the first time.

Marlon

735 posts

287 months

Friday 16th July 2004
quotequote all
No addition to premium (A Manning - TVR club scheme) but they did want to see an "engineers report" to say that the modifications did not make the car more likely to fall off the road!

My understanding is that if the car does fall off the road in a suspicious way they will try to back-off some or all of the claim to the "engineer" (hence some garages I spoke to refused to give a report that the insurance company would accept).

starmist

1,052 posts

271 months

Friday 16th July 2004
quotequote all
Just spoken to Aaron at Sunninghill. With all my mods they want an additional 15%. 5% for the chip, 10% for the plenum (nothing extra for the cam, exhaust or injectors). Premium would have been cheaper than renewing through A Manning (Cornhill) without the mods, and it includes track day cover as well. Can't say fairer than that, really!

RichB

56,216 posts

313 months

Friday 16th July 2004
quotequote all
I've got TVR Power uprated cam (355), solid lifters, ACT plenum and twin throttles, Mark Adams Tornado chip, larger Air Flow Meter, AP brakes and Raceline wheels. All added over a period of years, kept Pearts fully informed and asside from an admin charge of £25 one year, no increase. Cost is around £450 p.a. Rich...

starmist

1,052 posts

271 months

Friday 16th July 2004
quotequote all
Not bad, when you consider it's a group 20 car, and a new body is over £10k if you smash it up (which you're more likely to do than with a lot of cars, since there's no ABS or traction control).

BTW Tuscan insurance is very high, due to it being more 'accessible'. I.e. more inexperienced drivers are buying them with their city bonuses instead of Boxsters, etc. and writing them off.

At least since the Griff tends to appeal more to enthusiasts, it keeps then insurance down.

Guillotine

5,516 posts

293 months

Friday 16th July 2004
quotequote all
as richb says, if you're doing it by steps, this can work out cheaper.

they can, however charge for each step making it more expensive!

check with likely companies.
in sunninghills case it was best to do it in one hit (engine stuff, running gear was already done) one of the most expensive things was the spider conversion? this fell into the "alloy wheels? thats £50 mate" catagory. again!

however that track cover for the FULL car cost is worth around £250-00 an EVENT!!!!!
so well worth the fag! particularly as i do about 12 events per year

starmist

1,052 posts

271 months

Friday 16th July 2004
quotequote all
When I spkke to aaron, he said the spider conversion wouldn't add anything, although I would still have to declare it.