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Big thumbs up for Greenlight

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Just wanted to say a big thumbs up for Greenlight. Had my renewal through and, while it had increased as insurance seems to have recently, it had only gone up by £16 to £440 which seems pretty decent to me considering the about 55 modifications listed on the car! 

The track day cover has also been fantastic - seems difficult to beat at £45 a time and double excess. 

If you fit the Greenlight criteria and your renewal is due I'd definitely give them a try 👍

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They wouldn’t insure me, apparently you’re only allowed a 75bhp increase in power, and the last on the phone was surprisingly sarcastic for a customer service representative. Anyway, I’m curious what 57 things have you modified?

edit: this is nonsense, sorry, got my companies mixed up!

Edited by Chappers
Mix up

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32 minutes ago, Chappers said:

Anyway, I’m curious what 57 things have you modified?

1. 17x8.5" Do-Luck Double Six wheels powder coated red with 225/45/17 Nokian WRA4 winter tyres (October to April use)
2. 17x7" Konig Daylite wheels with 215/45/17 Michelin Pilot Sport Cup 2 tyres (Trackday use)
3. 18x8" Autec Wizard wheels with 225/40/18 Michelin Pilot Sport 4 tyres (April to October use)
4. RAYS locking wheel nuts
5. Cosworth panel filter
6. Toyota badges removed and front and rear Toyota badge replaced with a custom Batman logo
7. Red alcantara binnacle cover
8. Red alcantara dashboard panel
9. Whiteline positive shift bush
10. Ecutek Remap
11. HKS oil filler cap
12. TRD Door stabiliser kit
13. Japspeed front carbon strutbrace
14. Beatrush master cylinder brace
15. Anarchy motive gearknob with custom Batman engraving (show use)
16. Beatrush duracon gearknob
17. Premiuim mats red carpet mats
18. Mtec shift springs
19. Perrin rear gear shift bush
20. Moton Club-sport coil overs (lowered approximately 35mm)
21. Whiteline front adjustable anti-roll bar
22. Whiteline rear adjustable anti-roll bar
23. Moton front adjustable drop links
24. Whiteline rear adjustable drop links
25. Whiteline rear anti-roll bar mount braces
26. Whiteline rear upper camber bushes
27. Legsport Clubsport carbon duckbill spoiler
28. Bonnet gas dampers
29. TRD wing fins
30. Custom headlight adjuster for lowered cars
31. Cusco rear carbon strutbrace and modified boot mat
32. Cusco radiator cap
33. Whiteline subframe insert bushes
34. Whiteline front positive castor bushes
35. Super-pro rear diff insert bushes
36. Porsche 911 GT3 front arm brake ducts
37. Project Mu HC800+ brake pads front and rear
38. Hel brake hoses
39. Stoptech centric discs
40. Ferodo dot 5.1 fluid
41. Perrin cam solenoid guards
42. Mishimoto intake hose
43. Valenti smoked rear lights
44. Valenti smoked centre light
45. JDL catted and ceramic coated manifold
46. HKS Hi-Power Spec-L exhaust
47. Hel / setrab 19 row oil cooler
48. Shift solutions front and rear tow hooks (used for trackdays)
49. SPA digital oil temperature and pressure gauge
50. Block8head dash mounted gauge pod
51. Whiteline roll centre correction kit
52. TRD front canards
53. White led boot bulb
54. Red led cabin bulb
55. ‎Cusco accelerator pedal
56. JDL ceramic coated overpipe (to be fitted)
57. ‎Versus engineering cam plate (to be fitted)

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3 minutes ago, Chappers said:

My goodness, you're thorough. You told them about LEDs and brake fluid!

You have to, they can be very awkward and not pay out if anything happens.. stickers count too lol 

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3 minutes ago, Chappers said:

My goodness, you're thorough. You told them about LEDs and brake fluid!

Having worked in insurance previously I'd never miss anything off to be honest! 

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What do you expect would happen then for instance, if you hadn't told them about your, I don't know, TRD wing fins, and you pulled out in front of someone? Surely the only thing they can do is not replace your wing fins, they'd have to prove they were a contributing factor to the accident?

Obviously if you'd supercharged your engine and spun into a tree as you accelerated off a roundabout, that's a fair cop, I just don't see how something unrelated to an accident could prevent a pay out?

Do each of these things add to your premium? I've never actually had to insure a modified car before.

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4 minutes ago, Chappers said:

What do you expect would happen then for instance, if you hadn't told them about your, I don't know, TRD wing fins, and you pulled out in front of someone? Surely the only thing they can do is not replace your wing fins, they'd have to prove they were a contributing factor to the accident?

Obviously if you'd supercharged your engine and spun into a tree as you accelerated off a roundabout, that's a fair cop, I just don't see how something unrelated to an accident could prevent a pay out?

Do each of these things add to your premium? I've never actually had to insure a modified car before.

Most things don't change the premium at all with a specialist insurer. For me the minimal effort of making sure they know everything is worth it for the potential of no hassle down the line 👍

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@Chappers it doesn't necessarily have to be a contributing factor, but they can be/are funny like that and not pay out because of your not declared rear diffuser even though you've got a front end damage.. it's happened to many people before, I guess it's up to you whether you want to risk it or not

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By the way, these are genuine questions of interest because they're affecting me in the near future... Last one, what if you buy a modified car second-hand and don't know fully what's modified and what isn't?

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Also, it's not so much the idea that the mods cause the accident more that the cover they provide is based on the detail of the car and mods so they can make life very difficult if the details of the car and mods are different come the time of an accident. When I worked for the brokers I saw companies do anything from charging a  retrospective premium to refusing the cover as their argument was that what they'd covered wasn't a true reflection of the actual car. 

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1 minute ago, Chappers said:

By the way, these are genuine questions of interest because they're affecting me in the near future... Last one, what if you buy a modified car second-hand and don't know fully what's modified and what isn't?

That final question is where it all gets a bit hazy sadly. 

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4 hours ago, Chappers said:

They wouldn’t insure me, apparently you’re only allowed a 75bhp increase in power, and the last on the phone was surprisingly sarcastic for a customer service representative. Anyway, I’m curious what 57 things have you modified?

Are you sure? They insured me fine +100bhp...

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2 hours ago, rob275 said:

Are you sure? They insured me fine +100bhp...

I’m sorry, you’re right I’m talking balls, it was Chris Knott. I didn’t call Greenlight because the missus only has 20 months on her UK license and they required at least three years.

Apologies, I made far too many phone calls yesterday and got mixed up.

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