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Discussion Starter · #1 ·
I am looking to go with Admiral in March on a 1.6 Sport. However, their modification policy is rather vague. Whereas Tesco you paid a certain amount for up to £1000 worth of modifications, from what I can find on t'internet, Admiral seems to charge you per modification. Is this the case those of you who are insured with Admiral? I have e-mailed them twice about the subject and haven’t got a reply...

Could those of you with Admiral post in here what modification you declared and how much it increased your policy by please so I can get a rough idea of how much extra on top of the £1600 I am going to have to pay.

Regards, Dan :)
 

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Alloys on my old 1.0 was £52.

Not declared any on the 1.6 yet (because I havn't made any, before I get slaughtered) so no idea about that
 

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Discussion Starter · #3 ·
Alloys on my old 1.0 was £52.

Not declared any on the 1.6 yet (because I havn't made any, before I get slaughtered) so no idea about that
Cheers, do you know if its done on a percentage of your policy, or if it is a flat rate? And was that price from the start of your Policy? How much were your lowering springs mate?

Keep them coming people :)
 

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Cheers, do you know if its done on a percentage of your policy, or if it is a flat rate? And was that price from the start of your Policy? How much were your lowering springs mate?

Keep them coming people :)
No idea how it was calculated.
That was from the start yeah.

Springs were about the same but that wasn't from the start, so would have been more.
 

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Discussion Starter · #5 ·
No idea how it was calculated.
That was from the start yeah.

Springs were about the same but that wasn't from the start, so would have been more.
I have a feeling i am going to be raped on mods... Tesco was simple, payed £150 and it covered me for up to £1000 in total modifications. But they wont quote me on a 1.6 :(
 

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I pay £8 a month more on my 1.0, thats for alloys, lowered, uprated brakes, de-locked handles (reduced it apparently) and an interior change :thumbs_up:
 

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How old are you? They'll give me one.
I just got a quote with them then because I like the idea of the set price.
Quote was just over £1000
 

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Discussion Starter · #8 ·
I pay £8 a month more on my 1.0, thats for alloys, lowered, uprated brakes, de-locked handles (reduced it apparently) and an interior change :thumbs_up:
Thats well good, how much you lowered by? Was that from the start?

How old are you? They'll give me one.
I just got a quote with them then because I like the idea of the set price.
Quote was just over £1000
18, was £1600 for Admiral, £1900 from another company IIRC but they flat out wouldnt cover mods until 25 and the others say i cant get a quote online, to phone. So i'm guessing they will be stupid money or just a "**** off"
 

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I'm lowered by 40mm but its between 20 - 100mm or something silly like that :p and yeah that was a new quote mods declared from the start in september, paying around £120 a month :)
 

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my engine conversion cost lest than a grand, think they will only charge £150 extra for that? lol

I'm with Sky... 22, 3ncb, 0 claims, all mods declared - £550/year ish

need to get the quote for the new engine though
 

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The problem is, how much a modification cost one person will have no bearing on how much it will cost you. You need to get a quote to include the mods to get an idea.
 

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Discussion Starter · #12 ·
The problem is, how much a modification cost one person will have no bearing on how much it will cost you. You need to get a quote to include the mods to get an idea.
Oh right, I was hoping you would see this :p I'll phone around tonight then.

Cheers
 

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I'm with Bell who are part of Admiral. I pay £757 including windscreen and legal cover. 20years old with 1 NCB and a clean license.

The categories that I added were 'Alloys', 'Exterior decorative changes', 'Interior changes' and 'Lowered suspension <5cm'. Their categories are fairly vague and broad and so just those 4 cover everything on my car. It only added about £30 for the year in total and most of that was for the alloys. Because the categories are fairly vague it means I can still mod a few things on the car and they won't have to be individually declared as they will fall into 'exterior decorative changes' or 'interior changes' :)
 

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As Tim said it will vary person to person but be aware every time you make a change they will charge an admin fee.

Having said that Admiral have been excellent for me and I've been with them 3 years.
 

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Discussion Starter · #15 ·
I'm with Bell who are part of Admiral. I pay £757 including windscreen and legal cover. 20years old with 1 NCB and a clean license.

The categories that I added were 'Alloys', 'Exterior decorative changes', 'Interior changes' and 'Lowered suspension <5cm'. Their categories are fairly vague and broad and so just those 4 cover everything on my car. It only added about £30 for the year in total and most of that was for the alloys. Because the categories are fairly vague it means I can still mod a few things on the car and they won't have to be individually declared as they will fall into 'exterior decorative changes' or 'interior changes' :)
That's good that the catagories are vague, with Tesco you have to try and describe everything to someone who knows nothing, I had to spend 13 minutes on the phone the other day to declare 4x window stickers :palm:

As Tim said it will vary person to person but be aware every time you make a change they will charge an admin fee.

Having said that Admiral have been excellent for me and I've been with them 3 years.
Yeah I read about the admin fees, so I'll have to do it all at once

Cheers for your help guys
 

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Admiral will not insure your modifcations. They will charge you extra for them but if you have an accident and you want to claim for damages they will only pay for standard parts.

My friend owns a clio RSI with some small mods got rear ended and they wouldnt replace his lights they put standard ones back on.

I dont know if its the same with other insurance companys though
 

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Admiral will not insure your modifcations. They will charge you extra for them but if you have an accident and you want to claim for damages they will only pay for standard parts.

My friend owns a clio RSI with some small mods got rear ended and they wouldnt replace his lights they put standard ones back on.

I dont know if its the same with other insurance companys though
Nearly all do that.
 

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my engine conversion cost lest than a grand, think they will only charge £150 extra for that? lol

I'm with Sky... 22, 3ncb, 0 claims, all mods declared - £550/year ish

need to get the quote for the new engine though
We specialise in modified car insurance though, the other companies mentioned do not.
 

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We specialise in modified car insurance though, the other companies mentioned do not.
yeh I should have mentioned that lol

btw, i havent declared the engine yet because it isn't running, don't cancel my policy lol
 

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On a thread-hijacking-note, do Sky Insurance offer any online quotes?
Want to renew sharpish, and wouldnt mind getting a quote from them but cannot find the time to give them a call due to work commitments
 
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