176 replies to this topic

[Goosenka]

I'm not sure whether this is any help to you but it works a treat for me. I have a corsa c 1.2 insured as my main car, £700 for the year. Each month I call up Elephant and ask to put my vx onto the policy as a temp car, you can do this every month not a problem. They charge me £61.50 for the month, fully comp, insured for 9.5k.

Oh and I'm 20 with 1 years NCB driving 3 an a bit years with 1 claim too, but elephant decreased my insurance because they think I've learnt my lesson

That's interesting to hear but I guess the principle will not stretch to covering track days

[rob999]

And heavily modified cars which is the biggest issue

[Corey]

Well I'm on a stage 2 atm with non standard alloys and wrap so they cover what they normally would on a policy. They just assess it as a lower risk because it's a "temporary" car. I don't think Elephant stretch to track days anyway, but couldn't you get a separate short term policy just for the track day event?

[The Batman]

Elephant wouldn't touch me with a supercharger... Let alone a fully forged engine with uprated gearbox, exhaust, brakes, alloys, seats, suspwnsion and the rest

[Goosenka]

Elephant wouldn't touch me with a supercharger... Let alone a fully forged engine with uprated gearbox, exhaust, brakes, alloys, seats, suspwnsion and the rest

What do other young racers do? There must be a solution dammit!

(been watching 24)

[chris_uk]

elephant would insure me for everything but as soon as i said remap then they said no.

[The Batman]

I can't remember who it was but was listed into the mods and when I said supercharger didn't bother him in the slightest but then he goes, air filter, you must have a different air filter haven't you?

[techieboy]

What do other young racers do? There must be a solution dammit!

They presumably don't have normal road cover for their race cars.

[The Batman]

It would appear they think if you can afford to do silly mods that young you can afford silly insurance quotes... Least I can be on CCI next year.. Only 14months! Tbh I got one more company to try today and then it's decision time!

[JG]

have a chat to the companies that will be at Autosport nest week Joe.

[The Batman]

hmm good idea

[Corey]

elephant would insure me for everything but as soon as i said remap then they said no.

I doubt many people on here will value my next comment, but if MOT centres have no way governing remaps during tests then surely insurance companies don't stand much chance either.

By what I understand, remaps from places like Courtenays are hidden so you can't see their data anyway, would make sense for them to do that to stop people getting any ideas on what they do.

[JG]

Insurance companies aren't as stupid as you think. The level of expertise which assessors have can be quite surprising. Remember, assessors (on the whole) work for themselves, contracted to insurance companies. The person you speak to on the sales line, may not give you the impression that insurance companies know what they are talking about. When it comes to protecting their bottom line, they do.

[The Batman]

after having a high claim and thankfully i do what i always do which is fully insure everything like for like i got it all in full, if however i didnt do this just to save a few quid i would have had nothing but a seriously sh** day!

Edited by joe_589, 07 January 2012 - 11:20 AM.

[Corey]

Insurance companies aren't as stupid as you think.

The level of expertise which assessors have can be quite surprising.

That's fair comment, I just don't understand how they could assess that a vehicle has been remapped when it's sat there in its feel sorry for self crash state. If its undriveable, and unfindable over OBD then there is no over way of knowing really.

But yea, always safe to declare every little thing. I remember nev telling me he has his vx insured up to 500 or 600bhp for £350 a year 0_0

[The Batman]

i blame vocky

[VIX]

A couple more for you:

MWA (Mercury Assoc, formerly Michael Ward Assoc)
http://www.mwainsura...o.uk/motor.html
0845 872 0328

Performance Direct
http://www.performan...formance-car...
0844 573 3505

[Hark]

I doubt very much that the ECU remaps from Courtneys (or anyone else) are untraceable. I know on many more modern ECUs there is meant to be something that shows how many times it has been 'flashed.' It is in Tuners best interest for them to say they are 'untraceable' so that people might decide not to declare them. I agree with Techie about protecting the bottom line.

[ianrm]

Everything is traceable. If the car was involved in a fatal accident no stone would be left unturned. Forensics can even trace from the cars brake light bulbs if you were braking at the time of the accident.

[XXX]

TBH Joe, I am not surprised at your quotes. If you think about it, a 17 year old in a battered old Fiesta would expect to pay in excess of £1,500, perhaps up to £2,000. You still being under 25 with a heavily modified lightweight RWD sports car what were you expecting?

Your VX is an unknown factor to an insurer; how can they possibly wiegh up the risk?? With all due respect, you have carried out the modifications yourself, with no regulation or qualification (please correct me if I am wrong) and an insurer is happy to take £3,000 from you in return for an unlmited liability when you use all those horses out on the public road. I would take them up on their generous offer.

Try googling "who insures NASA?"