17 and modified??

[MattBrown]

Just decided my insurer for January! Going with Quinn,

17 in January, so only moped no-claims

If Its standard it's £770.11
If it's got alloys it's £770.11
If it's lowered/gas shockers / coil overs it £847.54

Is there anything that doesn't need declaring? Ice and painted bumpers?

Is this about right?

What happens if the mod bits are nicked?

Matt

[matt_vaughan]

How on earth do you manage to get a quote like that at 17?

Anyway, if they'll insure them, declare it!

I'd tell them everything you have if you can, they will then have no reason to refuse payout later on.

I'm not sure the mods will be insured, they'll just give you the amount the car's worth standard. Wouldn't it be easier asking them that?

Matt

[Copers]

How on earth do you manage to get a quote like that at 17?

Anyway, if they'll insure them, declare it!

I'd tell them everything you have if you can, they will then have no reason to refuse payout later on.

I'm not sure the mods will be insured, they'll just give you the amount the car's worth standard. Wouldn't it be easier asking them that?

Matt

provisional licence me thinks

[Jack]

Is there anything that doesn't need declaring?
Harrr, funny lol

Ask them if they will cover mods on a like for like policy, although I doubt they will.

[Cle]

i got quoted £1500 for a standered 1.2i. That was using confused.com.

[moffat]

a got quoted 1800 for a standard 1.2i and they told my mum they wont insure with second hand vauxhall alloys

[ash anderson]

provisional licence me thinks
iirc when i was 17 on an SRI 721qwid TPFT on provisional-then changed to full uk and it didnt change with quinn :S just payed 60 quid to swap over from provisional to full uk ;)

[14nv of pure power]

when i insured my nova 1.4 luxe it was £1800 in feb last year so i hasd to stump up the money:( it is well worth it i love my nova its ace best car on eath in my opion:D

[nick_nova]

£847?! lucky you!

[Plug]

my 1.4sr at 18 with no ncb was 1800 to insure and my postcode risk is A. that was clean licence also.

Fare play for getting a cheap quote

[sulphur]

My SRi at 18 as first car was only 1300. 847 is proper cheap though.

[MattBrown]

Its a provisional! But im well impressed and also if When I pass my test its £60 to swap it over.

Do I need to declaresilly things like GTE boot carpet?

Also if the bits are robbed do I get standard back?

Matt

[Jack]

Do I need to declaresilly things like GTE boot carpet?

Also if the bits are robbed do I get standard back?
Theoretically you should declare every non-standard part, although a boot carpet is being a bit picky.

Ask the insurer, its up to them if they replace mods like for like but I doubt it.

[chimp007_uk]

when i was 17 on provisional, i had a 1litre cost me £600 fully comp... lol

now 23 and pay £700 fully comp on a xe nova everything declared, agreed valuation, track day cover and3rd party cover on any vehicle providing its insured by sompne else ;)

[MattBrown]

Im also doing a 256mm front brake conversion? Declare that?

Also strut brace?

Gte parcel shelf supports?

I know im a pain but I need to know!

Matt

[chimp007_uk]

experience i've had with insurance when claiming... DECLARE everything! I hate the people who have modified a car and no declared it and just insure it as a standard car... makes honest peoples insurance more, and causes more trouble for yourself in an accident in an uninsured vehicle

[MattBrown]

Im declaring the mods! Just wondering what to declare, if silly things like uprated speakers and such need declaring?

Cheers guys

Matt

[chimp007_uk]

speakers dont matter, as most insurers insure up to £500 stereo equipement.

Mechanical parts which aren't on the standard specification need declaring

[Jack]

Im also doing a 256mm front brake conversion? Declare that? Yes

Also strut brace? Yes

Gte parcel shelf supports? Meh, mention it. Its an interior trim upgrade so not really a desirable part, but at least if you tell them then you've covered your own back.

I know im a pain but I need to know!

Matt
:thumb:

[kc_08]

yeah tell them everything mate, its best off in the long run, and incase you do have a bump or two lol, i got a quote off them, same price on a provisional for my 1.0 nova lol, but i saw a fair few reviews about them, and apparently for the first year there good on a provisional, but a couple people said they got a full liscence and a years n.c on a provisional and they boosted it up, and apparently if you have an accident, there abit "cowboy ish" lol thats just reviews ive seen (Y)

[Benn]

Tbh you wanna declare everything as a just incase.
Better to pay for it then be voided after a crash. And thats a bloody cheap qoute.

[Welsh Dan]

Tell them everything. I did that with flux until she interrupted me saying we don't care about stereo equipment because i was only TPFT.

[S1M0N]

I pay £1300 quid on my gsi, with 1 years no claims at 18!

[MattBrown]

Yiiiiipppppeeeee lol

It flew through its mot today:D

2 weeks tomorow, cant wait, can i insure it from midnight onwards so i can go out about 1 second past midnight??

As im at an enduro meet on the day im 17

Matt

[robertdevlin69]

[quote=MattBrown]Its a provisional! But im well impressed and also if When I pass my test its £60 to swap it over.



im with quinn in ireland,however they didnt charge me for getting my license in fact i got a cheque in the post for 600euro.......how come you have to pay?

[greg1.4]

the best quote i can get for being 17 in a 1.2 nova is £740..:thumb:

thats with quinn, TPFT and on my own..

[DW-Nova]

That sounds like a good quote mate, i can see them being abit funny about the strut brace and defo about upgraded brakes ! they seem to think that if your upgrading the brakes then your going to be driving crazily. On a different note take care once you get behind the wheel on your own as it's all to easy to get carried away, i used to drive like a complete nob when i passed, i guess i was just lucky to have not had a bad accident, soon slowed right down once i span it out though lol.

[Nova_Sean]

How do u get such cheap quotes. Ive been quoted around £1800 with Endsliegh TPFT on my own.

[Benn]

How do u get such cheap quotes. Ive been quoted around £1800 with Endsliegh TPFT on my own.

They didnt go with endsleigh.

[Nova_Sean]

I went through gocompare.com and that was my cheapest.

[MyNovaSr]

Quinn are going mad at the moment, my girlfriend has just insured her car (Citroen ax 1.0) for £510 TPFT with them, I'm 22 with no NCB, 6 points (my fault) and had to pay £1650 to insure the 2L with all mods declared and agreed valuation :eek: .

My boss's 17 yr old daughter insured a 1.2 clio for £540.

Quinn are loving the young/new drivers :wtf:

[Nova_Sean]

Just got quoted 2700 with quinn :(

[MyNovaSr]

Are you male - Yes - Causes high premiums
Are You young - Yes - Quinn likes you
Are you a girl - No - Quinn also hates you
Do you have boobs - Maybe - Quinn will love you if the answer is yes

If no - Your stuffed!

[1.6 8v turbo nova]

Might be that cheap at first on learners insurance.. my sis was paying 900.. passed her test 2100 lol.

[bigwill]

im 19 my insurence on 1.6 gsi is £555.80 a yr on my mums insurence go with more than insurence if ur over 18 cheap as

[matt_vaughan]

fronting mate

[novabrad90]

im 18 got 3 points, 1 year ncb and paying just over £1000 for my 1400 sr

[maxonova]

im 19 got a "B"reg 1.2 nova swing with a 1.4sr lump, high lift cam, omp lowering springs, 2.0ltr brakes, alloy wheels and modified exhurst system. 0 no claims, 2 accedents. £1150 fully comp. kwik fitt insurance. (plus a free MOT to use throught out the Year)