S1 Rallye 16v - Insurance woes.
Discussion
I'm going to look at a 16v S1 rallye later today so thought I'd better see what insurance was like before I take the plunge.
I can get insured on a standard S1 for £500 and a 106 GTi is not much more at £700, but the cheapest I've got so far for the 16v is £1600!
One mention of the words 'engine conversion' and 'uprated suspension' and all the insurers seem to start doubling things.
Can anyone recomend a decent insurer for modified frenchies? Or a few tips on getting lower quotes? The only way I can see of getting around it is by telling porkie pies but I don't want to do that.
I've been asking for TPFT, I'm now wondering wether fully comp with a big excess would actually be cheaper?
I can get insured on a standard S1 for £500 and a 106 GTi is not much more at £700, but the cheapest I've got so far for the 16v is £1600!
One mention of the words 'engine conversion' and 'uprated suspension' and all the insurers seem to start doubling things.
Can anyone recomend a decent insurer for modified frenchies? Or a few tips on getting lower quotes? The only way I can see of getting around it is by telling porkie pies but I don't want to do that.
I've been asking for TPFT, I'm now wondering wether fully comp with a big excess would actually be cheaper?
TimDarracott said:
Speak to Adrian Flux and HIC 
Spoken to HIC who deal through flux and they gave me the £1600 quote. I've decided it will be cheaper to insure it as a second car and have a fairly low milage limit. The chap who is selling it is the same age as me (21) and has it covered with HIC for £500 on 5k a year including trackday cover.
Might give tesco's and direct line a call but there seems to be a big difference between a modified car with standard engine and a car thats had a different engine put in!
An update- i managed to get quotes from both HIC and Adrian Flux and then used them to beat each other down on price until I got their very best prices. Strangely I then went for the slightly more expensive (HIC) policy because they we're much quicker on the phones and a far nicer bunch to talk to!
End result was £980 and £100 excess TPF&T (Flux offered £911 and £250 excess)
Thats a considerable saving on the original quote of £1600 so I'm quite happy.
And the upshot of this is I've bought the car I was looking at and will be picking it up tomorro night! A lovely cherry red 16v S1 Rallye. I'll put some pics and spec up in readers cars when I've stopped driving it around (probably some time next month then!)
End result was £980 and £100 excess TPF&T (Flux offered £911 and £250 excess)
Thats a considerable saving on the original quote of £1600 so I'm quite happy.
And the upshot of this is I've bought the car I was looking at and will be picking it up tomorro night! A lovely cherry red 16v S1 Rallye. I'll put some pics and spec up in readers cars when I've stopped driving it around (probably some time next month then!)
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