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Author Topic: Insurance Troubles  (Read 5522 times)

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Maddoglips

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Insurance Troubles
« on: January 15, 2008, 13:26:56 PM »
Hi All

Maybe some 1 out there will be able to help with this.

I recently managed to get around the uk licence hassels I had where they said I hadn't held it for a long enough period of time.

                                               BUT NOW        

Trying to find out bout insuring my recently modded 3 door to 2.9l 4x4 they wont give it to me as they saying I haven't been in the country for 5 years or more. None of the standard insurers will touch the vehicle as its classed as modified and I dont wanna lie and say it isn't as thats throwing money down the drain should I ever need to use it. ( God Forbid.) I've tried the people in PF, FF and CF. Just spent about 2 hrs on the phone to all of them and still no joy. Will waiting for them to phone me back still but 10mins has come and gone and some of the answers are just playing NO.

1 Bloke said I should try joining a club and try and get it through the club?   So what club would you guys recommend as obviousely some of yous will belong to 1 or another. Is it even possible to do it through a club, as would they then be willing to overlook that factor? The factor of the license as said aint a prob any more just the time period that I've been, will NOT been here in the U.K.

Any help would be greately appreciated as I dont believe any of the people I've spoken to are gonna get back to me as they've all said no already, but'll see.

Thanks Zane



Offline sparkplug

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Insurance Troubles
« Reply #1 on: January 15, 2008, 13:46:40 PM »
So just to confirm, you are new to the country and want to insure a modded car?

Most companies will not insure modded cars but you might have luck with HIC or greenlight. As for being new to the country that's another complication which may stop these companies insuring you.  

Dave
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Maddoglips

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Insurance Troubles
« Reply #2 on: January 15, 2008, 14:46:48 PM »
Quote from: sparkplug
So just to confirm, you are new to the country and want to insure a modded car?

Most companies will not insure modded cars but you might have luck with HIC or greenlight. As for being new to the country that's another complication which may stop these companies insuring you.  

Dave

Hi Dave, Yeah I've only been in the country for just over 2 years now and want to insure the above mentioned car.

What they all saying is, I must have been in the country for 5 yrs or more.  

Cant understand the thinking in that? I've had my licence since 18 as thats the legal age in South Africa. I've converted to a full UK licence which isn't actually a requirement and that comes from Tesco Insurance as they insure my other vehicle and were willing to insure the 3 door until they found out its modded. They supposedly dont do modded insurance and I don't really wanna lie as would like to remain legal as far as pos.

Cheers for the advice will defi try those companies aswell and see if they can help.

Thanks Zane

IansSaph

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Insurance Troubles
« Reply #3 on: January 15, 2008, 14:55:19 PM »
have you thought about trade insurance? this covers cars regardless of modifications (mine does anyway before i get corrected) this was how i originally got round the modded car insurance issue,
When i first got the insurance years ago i didn't trade but was allowed the insurance due to 'collecting' cars, (which wasn't far from the truth) now years on i actually do trade and it worth every penny.
I am not sure if this work with your term in the country tho, try choicequote.com
Its reasuring knowing that your covered in the event of a claim and not having it voided for having none standard wheels or tyres.

Regards Ian
« Last Edit: January 15, 2008, 14:56:06 PM by IansSaph »

samol

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Insurance Troubles
« Reply #4 on: January 15, 2008, 23:01:47 PM »
You might try the specialist insurers such as Adrian Flux, and the like, (check out the kit car mags). They insure kit cars and specials which should cover your type of vehicle. Don't know about the length of time in the country though. Cheers Ray

Maddoglips

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Insurance Troubles
« Reply #5 on: January 16, 2008, 11:16:20 AM »
Quote from: samol
You might try the specialist insurers such as Adrian Flux, and the like, (check out the kit car mags). They insure kit cars and specials which should cover your type of vehicle. Don't know about the length of time in the country though. Cheers Ray

Hi Ray

Thanks have just tried them, No Joy Yet  

The issue coming up now is, they say the mods are to extensive. What a load of crap!!!!!!!!!!

Is there anybody out there that has done the mod to a 1.6L 3door, Made it 2.9L v6 4x4 and managed to get it insured and where? I'm sure some else has done this before as I'm defi not the first idiot to do this am I? Well hope not. LOL

If need be I'll take the car to some or other testing station and have it certified as safe. is there any place like that availabe?

If I cant come right with this its pointless keeping her.  Dont mean to be a bother to any1 but please any further advice will be appreciated.

Should I possibly Lie and not tell them what alls been done? But then I'm being just another dodgey foriegner who's taking the piss and well dont wanna do that.

Is it possible to insure the car in holland or somewhere like that and have it valid here?

Why do they force people to have to look at dodgey schemes, if its paid for and safe and I'm willing to pay the higher prices whats there issues? Surely there's other more seriious issues they should be worrying about. Like people not working and lying about employment and shite.

Sorry all just getting P d off with this crap.

Thanks Zane      


Offline littlegems4x4

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Insurance Troubles
« Reply #6 on: January 16, 2008, 14:01:07 PM »
Hmmmm not sure why how long you've been in the country would be an issue  
As Dave says try HIC or Chris Knott, I've always been with either of these two and they have never had a problem with any of my mods   You do get a discounted price from Chris Knott if you are an XROC member, but I doubt if it would make any difference as to whether they will actually take you on or not.

Offline kevchard

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Insurance Troubles
« Reply #7 on: January 16, 2008, 19:28:13 PM »
Backford Bloor on 0151 3568776 are another kit car insurer, could be worth a try?
Good luck.
Cheers
Kevin

Maddoglips

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Insurance Troubles
« Reply #8 on: January 16, 2008, 19:40:04 PM »
Quote from: kevchard
Backford Bloor on 0151 3568776 are another kit car insurer, could be worth a try?
Good luck.
Cheers
Kevin

Cheers Kev

Will give them a shout in the morrow and see what they have to say as all the others have turned me down.

Between yesterday and today, spent 10hrs on the fone to various insurers and still no luck.

Will let you know should I have luck. Hopefully will.

Thanks All

Zane

Offline kevchard

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Insurance Troubles
« Reply #9 on: January 16, 2008, 20:06:46 PM »
Hi zane
Hagartys are another 'specialist' broker. I haven't used them, but other kit car club members have.
http://www.hagertyinsurance.co.uk/]http://www.hagertyinsurance.co.uk/


Another way could be to get someone else insuring the car and you go on as a named driver?

Best of luck.
Cheers
Kevin
« Last Edit: January 16, 2008, 20:09:29 PM by kevchard »

Maddoglips

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Insurance Troubles
« Reply #10 on: January 18, 2008, 10:59:16 AM »
THANKS ALL for the help and advice.

Some joy has being found. With alot of talking and alot of help from a broker, I've managed to get cover for my 3 door 4x4.

Cost is £1750 a year which I find high( keeping it polite!) but hell its cover.

This means the bank is empty now so the project will be stalled for some time but it's NOT dead. Now to start the overtime to try and get things back on track  

Again thanks to all for the help and advice.

Zane

Offline kevchard

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Insurance Troubles
« Reply #11 on: January 18, 2008, 12:24:22 PM »
Hi zane
Glad you got a result, who did you get covered with in the end?
Cheers
Kevin

Maccroft

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Insurance Troubles
« Reply #12 on: January 18, 2008, 20:52:56 PM »
I had it once where I had a `modified car` was registered as a 1.8L and previous owner had dropped a 2L pinto into it.  I had to get an engineers report on the vehicle to ensure it was road legal.

Simon 3 door

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Insurance Troubles
« Reply #13 on: January 18, 2008, 21:23:30 PM »
Quote from: Maddoglips
THANKS ALL for the help and advice.

Some joy has being found. With alot of talking and alot of help from a broker, I've managed to get cover for my 3 door 4x4.

Cost is £1750 a year which I find high( keeping it polite!) but hell its cover.

This means the bank is empty now so the project will be stalled for some time but it's NOT dead. Now to start the overtime to try and get things back on track  

Again thanks to all for the help and advice.

Zane

Nice one Zane that you managed to get cover. Out of interest how much were you paying for your red rocket?

Si.

Offline littlegems4x4

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Insurance Troubles
« Reply #14 on: January 18, 2008, 21:25:36 PM »
Nice one for getting cover, flippin expensive though

Offline Tony

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Insurance Troubles
« Reply #15 on: January 18, 2008, 23:31:33 PM »
sorry its late

glad ya got cover zane,,,
how ever i would have thought a call to performance direct worth it,, they are great i pay less than £350 fully comp with the bells and wistles for my xr4i converted to 24v and auto with granada running gear,
mine i am 53 so i guess they think i cant push the throttle peddle any more.

tony

the 24v xr4i auto-0 to 60 in 6.71 secs

Simon 3 door

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Insurance Troubles
« Reply #16 on: January 18, 2008, 23:37:02 PM »
Quote from: maddoldbugger
sorry its late

glad ya got cover zane,,,
how ever i would have thought a call to performance direct worth it,, they are great i pay less than £350 fully comp with the bells and wistles for my xr4i converted to 24v and auto with granada running gear,
mine i am 53 so i guess they think i cant push the throttle peddle any more.

tony

At 53 they give you the DDWF Discount Tony.

Maddoglips

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Insurance Troubles
« Reply #17 on: January 19, 2008, 10:48:31 AM »
Hi All

Cheers for all the support, really glad myself tbh about getting her covered. Was starting to think about selling her but NAH not gonna happen anymore so sorry to any 1 who was hoping they'd get a bargain.

Si as to the price I was paying on the red 4x4, it was just short of £800 and that was fully comp and no limited mileage.

Kevin, its through prestige insurance brokers. They really went out there way for me as the original figure was just over £3000. And all these prices are only 3rd party. Tried all the major boys that were recommended but not a chance tbh. They did try but no joy. 1 place,on there system gave a price of £650 fully comp but when they went to finalize it, it was rejected. Imagine how i smiled when i first heard that price.
Didn't last though.  

Tony, as for pushing the pedal down, will lets hope in this coming year we can meet up at Brands or so and go test young against old  Si you invited to M8 LOL

The cover on my baby will only be from March as I cant afford all the deposits and costs at the mo due to just having the mods carried out and having to pay that. Oh and Christmas wasn't easy on the pocket either.
Overtime's payed a month in arrears always so what can i say.

But I do promise that in due time she'll be running around making some noise.

Cheers Zane

Simon 3 door

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Insurance Troubles
« Reply #18 on: January 19, 2008, 16:55:36 PM »
Quote from: Maddoglips
Hi All

Cheers for all the support, really glad myself tbh about getting her covered. Was starting to think about selling her but NAH not gonna happen anymore so sorry to any 1 who was hoping they'd get a bargain.

Si as to the price I was paying on the red 4x4, it was just short of £800 and that was fully comp and no limited mileage.

Kevin, its through prestige insurance brokers. They really went out there way for me as the original figure was just over £3000. And all these prices are only 3rd party. Tried all the major boys that were recommended but not a chance tbh. They did try but no joy. 1 place,on there system gave a price of £650 fully comp but when they went to finalize it, it was rejected. Imagine how i smiled when i first heard that price.
Didn't last though.  

Tony, as for pushing the pedal down, will lets hope in this coming year we can meet up at Brands or so and go test young against old  Si you invited to M8 LOL

The cover on my baby will only be from March as I cant afford all the deposits and costs at the mo due to just having the mods carried out and having to pay that. Oh and Christmas wasn't easy on the pocket either.
Overtime's payed a month in arrears always so what can i say.

But I do promise that in due time she'll be running around making some noise.

Cheers Zane

You gonna trailer it away from Barry's then? Or r u gonna arrange 24 hrs insurance?

Maddoglips

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Insurance Troubles
« Reply #19 on: January 19, 2008, 17:03:11 PM »
Quote from: Simon 3 door
You gonna trailer it away from Barry's then? Or r u gonna arrange 24 hrs insurance?

Evening Si

Gonnna arrange a m8 of Barry's to drop her on a flat bed with all the other bits. Just waiting for the cost?

Would love to drive her back but with no tax and all the lovely gents with nothing to do other then give us car lovers hassels out that way, dont think its worth the chance. Couldn't afford another expense right now tbh.

So how's yours coming on? was hoping to collect her this weekend but gonna be there next 1. Maybe come take a look at yours? While I'm up that way.

What you think of the Brands Idea? LOL mid year though. Gives Tony time to exercise that foot  

Zane

Simon 3 door

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Insurance Troubles
« Reply #20 on: January 19, 2008, 17:49:33 PM »
Quote from: Maddoglips
Evening Si

Gonnna arrange a m8 of Barry's to drop her on a flat bed with all the other bits. Just waiting for the cost?

Would love to drive her back but with no tax and all the lovely gents with nothing to do other then give us car lovers hassels out that way, dont think its worth the chance. Couldn't afford another expense right now tbh.

So how's yours coming on? was hoping to collect her this weekend but gonna be there next 1. Maybe come take a look at yours? While I'm up that way.

What you think of the Brands Idea? LOL mid year though. Gives Tony time to exercise that foot  

Zane

I rang Barry today and he said yours was all looking like it was nearly there. Something about tidying up and the exhaust. Mine might be going into Barry's mid week if yours is outside - he's kindly letting me put it there for a week or so whilst the space is there to do one or two jobs otherwise with my illness that I'm almost over I'd be behind schedule for the summer....

Brands sounds like a bloody good idea.

LOL Tony - had expected you to ask what the DDWF Discount was on ur insurance... Dry Dreams & Wet Farts..... hehehehehehe

 

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