Insurance due...

help appreciated...

What car? If hot hatch flux might be best (on price only!!) if "sensible" family saloon others may be better

Astra Coupe Turbo

try directline or priviledge

both very reasonable for me and if you have only chipped the car they do a premium increase based on % performance increase.

direct line was 10-26% increase (think it was 26), was an extra 10% on insurance premium. priv had very similar rules. there are others i tried that had similar rules but them two where the best for me

Chad

In article , snipped-for-privacy@no.spam.please spouted forth into uk.rec.cars.modifications...

If you are over 25 try Frizzells/Liverpool Victoria

Screentrade are very good I find Quartz

If that's all you've done - ie, the car looks totally unmodified, even to someone in the know, then I wouldn't bother declaring it.

Of course it's up to you though, and PLENTY of people here will disagree with me :)

The shelf's in the Ka and sounds pretty good. Presuming you're the same Dave with an Astra coupe :P.

Why pay insurance premiums when they have an excuse not to cover you if you do have a major fun moment?

Because the chances of them discovering the different data in the EEPROM chip of his ECU, is approximately zero.

Obviously those chances are greatly increased if there is anything suggesting the car is non-standard, which is why I specifically said : "If that's all you've done - ie, the car looks totally unmodified, even to someone in the know".

This is my own personal view - you pays your money, you makes your choice :)

It's very easy for them to check if the maps have been altered. All they need to do is plug in a diagnostic tool. For the few minutes this would take I'd imagine they'd do it on all serious claims to reduce the number they have to pay for.

Will try all the suggested companies, thanks guys...

Aye, that's me. Glad it worked for you... Did you get it recovered?

Its all very stealth from the outside (that's the way I like it!) but theres a much larger intercooler, different map, higher boost, rev limiter incresed to about 8k, different spark plugs, panel filter and pipework. I'm sure this would be enough to set alarm bells ringing. Besides, my renewal is up by only £200 over last year which also means that if anything happens i'm covered to get all the mods replaced. If it wad just a panel filter I don't think i'd bother but I don't think it is worth the risk in my opinion...

Still going to shop around though...

Thanks all...

Got some stuff from a place I spotted on one of my random drives to nowhere, odd fluffy stuff, looks very similar to the original Ka shelf, except without the curveyness, if you see what I mean. Had to do a bit of hacking about to make it fit, they must have change the way the parcel shelf hangs on at some point.

Nope - plenty of modern "chips" are invisible.

They don't. Not even nearly.

Have you ever seen a claims assesor go over a car ?

Agreed.

If it's obviously modified, then it's loonacy not to declare it !

Have you specifically checked ? Usually, the mods are *NOT* covered - it's just a perfectly normal policy, that costs you more cash !

Heh - i was there when he came to check mine :)

Assessor to mechanic - "Now then Andy, hows it goin? Is that the car over there? Right ok, job done, any chance of a coffee?"

:) He looked, from about 20 feet away, saw the dint, accepted the mechanics quote that he'd got a few days earlier and sat down for a coffee.

Indeed I have, got it in writing too!

"In the event of a claim underwriters will take into account all modifications carried out to the vehicle based on consultation between yourself and their engineer and will consider and receipts etc for work carried out and parts fitted to vehicle."

Cheers,

Dave