Insurace (with mods in mind)

[beefman 0]

Hi everyone. Been on these forums for a couple of years now but this is my first post. I had a good look around beforehand but apologies if this post has already been done before!

My insurance is up for renewal and, as you do, I'm looking around for the best price. I've done a few mods to my car since I've owned it but all of them have been safety-based or cosmetic only. But in the next year I'll be looking to add some performance-based mods (e.g. wider tyres, suspension, headers, maybe even FI) and we all know insurance companies frown on us modders.

I've come across a couple of names on these forums who seem to specialise in insuring modified cars: Adrian Flux and Chris Knott. I plan to get in touch with them both but I was wondering if anyone on here had any experience with either of these insurers? How are they with insuring modded cars or cars that will be modded in the future? Any good or bad stories from anyone?

Thanks in advance

[will300 812]

Hi @beefman

I've been insured with Adrian Flux in the past for a couple of years, they are generally one of the cheapest modified car insurance companies. However their sales team can be abit demanding when speaking to them, overall the service was decent, they had no issue with mods and it was easy to add them, either via phone or email. Am I currently insured with them? No, they don't offer competitive track day insurance, which is a key selling point to me. One of their single track day policies is £200. 

I recently insured with a company called Need2Insure, they were more expensive than Adrian Flux, but I got 5 track days worth of cover included in the price, which made it better value than the Adrian Flux quote. 

A couple of other suggestion to try:

Greenlight - Also been insured by Greenlight, they are very good and politer that Adrian Flux. They just weren't competive enough this time around for me. 

REIS Insurance

Sky Insurance

Pace Ward

[nerdstrike 186]

There's also A-plan (https://www.aplan.co.uk/) but brokers are much of a muchness. You never really know who is going to come out on top.

The number one problem I've encountered with brokers is the specifics of cover are really not clear until the policy arrives because of the variety of underwriters involved. You might find you get a cracking deal, but you might also find a limitation in the small print, like say no third party cover driving another vehicle. Technically you have refusal in the cooldown period, but then you have to begin the process again or be without cover.

On the other hand, I once found myself jumping from about 2 years NCB up to 5 after running a policy with Adrian Flux. Not sure how that happened! On the flip-side, I've heard a few tales of misery when it comes to claim time, and I expect haggling over write off value is more difficult when there's a broker in the way. YMMV. Brokers are good fair weather companions, much like rock bottom insurers operating out of tax/law havens, such as Admiral/Hastings etc.

[beefman 0]

Thanks for the input everyone. You've given me a fair few companies to try out so I'll give them a go and see what I end up with. Much appreciated.