HELP!!!!! no1 will insure me

[thedjse]

Help guys no1 will insure me because of my mods:

Its mk1, 1.2, show cage, buckets, backbox, lowered 60mm, gte alloys, a few other bits and bobs no engine work!!!

Who is everyone else insured with?

[stupiddearinsurance]

insure it as standerd then =)

[thedjse]

haha quality on a public forum :D

[Lee]

insure it as standerd then =)

Do that, and then find out what its like to be shagged up the bum with no lube when you have an accident :roll:

In my experience, cages dont help matters with insurance for some reason.Have a conversation with a broker and find out what mods are affecting the policy the most, and remove them.

I take it you have tried specialist insurers like Adrian Flux / HIC / Sky?

How old are you by the way. If your under 19 you probably dont have a hope in hell im afraid :(

[BIGS]

show cage would be your problem why they dont want to imo

[brainsnova]

i insure all my cars standard and they all had plenty mods. insurers are money grabbers so *!*! them lol lol lol lol lol

[thedjse]

im 19

i have tried flux and thought they would sort me out tbh but apparently not lol

i've tried confused.com no luck am gonna try more when i gt home but atm im not insured dont worry guys im not going down the no mods insured route lol

[BIGS]

the thing with flux they are good but dont insure anyone with a roll cage. but you can do any other mods and the price dont go up from paying for standard

[Lee]

i insure all my cars standard and they all had plenty mods. insurers are money grabbers so *!*! them lol lol lol lol lol

They are money grabbers because of people like you im afraid.

Who do you think pays for the repairs on a jag when its rammed by a spud in an uninsured car (yes, you are an uninsured driver. If you dont declare your mods, your policy isnt worth the paper its printed on)??

Thats right, us.

Way to go :thumb:

[thedjse]

I didnt wanna start an arguement so do you think if i take the cage out i might get a better chance

[BIGS]

yes

[thedjse]

Cheers mate i will have another go

[brainsnova]

ive never crashed into anything but if i do ill pay for it out my own pocket to protect my ncb

[Paul]

the thing with flux they are good but dont insure anyone with a roll cage. but you can do any other mods and the price dont go up from paying for standard

Im insured with flux with my rollcage?

[BIGS]

Im insured with flux with my rollcage?

huh thats who im with and they said if i put a roll cage in they wouldnt insure me :confused:

[General Baxter]

stupiddearinsurance
brainsnova

please can i have your regs and general area of location, ill just drive around looking for you just to slam my brakes on, where your behind me, I'm sure a rusty old nova, well even a mint one, wont stand a chance against my patrol lol

[General Baxter]

ive never crashed into anything but if i do ill pay for it out my own pocket to protect my ncb

what even if its a £250K supercar?

[Lee]

ive never crashed into anything but if i do ill pay for it out my own pocket to protect my ncb

Sorry but that excuse will go down like a sack of poo in court lol.

What if you seriously injure someone? Will you pay them thousands of pounds in compensation as well? Not to mention that the police will enjoy fining the hell out of you for technically having no insurance. Then add thet little lot to the fact that no insurer will touch you with a barge pole afterwards. Not worth the risk in a million years. Then the premiums go up again, thanks to you.

DO yourself a favour and insure yourself properly. Im not trying to argue, or make myself look clever, but this is a public forum and the facts need to be said to prevent more people thinking its ok to do.

[General Baxter]

id hit him with the bi sin stick of ban for a day lol

[Lee]

What good would that do? Far better to attempt to make them see sence.

....then ban them lol

[poultergeist]

tell em about everything but the cage cos that'll help you in an accident anyway so why pay more for it :)

[Benn]

Also try quin direct,
Mig do hic, flux and green light discount, might be worth looking in to joining to use that..


Cant beileve people still dont declaire thier mods.

[Jack]

A showcage is a cage built for show use, i.e. to look pretty. It is NOT designed to save your life in the event of a crash, in fact it may well do completely the opposite - the reason the insurance company refuse to cover you is because the cage could shear, and you end up with very sharp metal right by your face. When your car is doing the roly-poly thing, sharp metal by your face will put a crimp on your day.



FFS, insuring a car as standard when it has mods is like insuring a 1.0 spin when you actually have a GTE. Would you do that? No.

UNDECLARED MODS = INVALID INSURANCE = NO INSURANCE

Not to mention its insurance fraud, which is illegal and can get you a jail sentence. You're willingly risking being the soap boy for big dave just to save a couple quid on your insurance?

Why bother paying money to insure a "standard" car when you may as well cut out the cost completely and just not have insurance? Yes, I'm overly irate about this as its dickheads that don't declare mods that put my insurance up, as the insurance company has to take money from MY insurance premium to cover the costs when said cockmuncher has an accident.



Anyway. A good example of modding before checking all the details. Always check with your insurance company before modding your car to see how it will affect your policy, and ask them to send you confirmation in writing (CIS did me over with a bodykit back in the day).

As said though, remove the rollcage and try again. Or, even better, ASK them why its been refused, you're well within your rights to (if they can't give you a valid reason to refuse you cover, then take it up with the insurance ombudsman), as that will indicate whats inhibiting your insurance.