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NogaroDrew

Insurance

My insurance is up for renewal this month and I've been quoted £1253 by Adrian Flux which seems quite pricey to me given I paid 950 last year (with Flux also). I've got a full European licence (Irish) since 2008 and no penalty points. Also have 8 years no claims built up. The only difference I've requested is to add a few mods (uprated brakes and exhaust system) and to change from social and domestic use to full time use. What are people's thoughts on this? What are people of similar age paying?
oliS4

I actually think the insurance on these cars has gone up recently - was paying £990 a year  with Elephant at 21 with a years no claims, now Im a year older and more "sensible" and the cheapest £1100 with Fluxdirect! Youd think uprated brakes would bring the price down...  
NogaroDrew

oliS4 wrote:
I actually think the insurance on these cars has gone up recently - was paying £990 a year †with Elephant at 21 with a years no claims, now Im a year older and more "sensible" and the cheapest £1100 with Fluxdirect! Youd think uprated brakes would bring the price down... †


Must be mate. Gocompare is only giving me 1 quote and it's near 4000    Granted that's all mods declared etc
B5321

Classicline......fully comp...£420 for the year.....does not build up no claims boner though.....but at that price, who cares.

Ask flux if they do them on a classic policy......try their sister company HIC also.

Happy new year....roll on 2018.

And all insurance has gone up by some fartarse %age across the board as my vans are all up and are costing me more due to this.
paul.w

I'm 29 with 9 years no claims. With Brentacre I'm paying £650 fully comprehensive, that's with all my mods declared and 3 points on my license.

I used to be with flux on my old 1.8t converted polo. A renewal came in at just under £900. When I told them I was leaving due to a cheaper quote, they matched the other price. Why they didn't do that in the first place I don't know.

Been with brentacre 3 years now, and have no complaints.
TurboTy

I used Adrian Flux, 23 with all mods declared fully comp, 4 years no claims £600

I hope it doesn't double when I renew  
gtwibell

RS4 B5 just renewed with Admiral: £180 fully comp., protected NCD, declared mods., 5k miles a year limit, driveway parking, home counties.
Aragorn

Oddly RS4's seem routinely cheaper to insure than S4 models, so not ideal to compare them.

Where you live has massive impact on the price, and not always obviously rough places. I lived in Thornton Cleveleys, and moved to Glenrothes. To me, the new town is "chavvier", its a fairly poor newtown full of council schemes, whereas cleveleys was a quiet town on the outskirts of blackpool and was full of old retired folk... and yet the insurance dropped enough when i moved that Admiral actually gave me a partial refund...

Modified car insurance also varies wildly, companies seem to just make a price up some of the time. I've gone round two or three companies for quotes, and they always ask what your best price is, and usually magically beat it.

Run a quote on the comparison sites for a standard car, as it gives you an idea of a starting point. If the best price on there is a grand, then £1200 for the same car with a couple mods is fair enough. If the best price is 400quid, then clearly 1200 is taking you for a ride. If you only have minor mods, its worth trying some of the mainstream companies like Direct Line or Aviva. Get a quote for the stock car, then ring up and add the mods on.

I was with Flux, and every year they jacked the price up massively, leaving me phoning around for better quotes and then they'd magically price match it. I got fed up with that, so switched to Brentacre this year.
Stigs dad

Run two cars which are both heavily modified and are both insured with Adrian flux. My b6 1.8t Quattro avant is 350. My b5 s4 is 440 but it's on a 4,000 miles limited policy. I've full no claims but I'm also 50!  
  Sometimes the cheapest quote is not the best and would look at the quality of service before price. I know from personal experience. Good luck.  
thekingofming

It does depend on how many mods you have, but I'm currently with Aviva on my B5 S4. 37 years old, Full no claims, protected, full comp, SD&P only, with Wheels, full exhaust, lowering and remap declared and it's £240, and I have asked for quote with Wagners and it made no difference. Always worth trying some of the bigger companies, and as Stigs Dad says above, cheapest is only good if you don't have to make a claim. At least with a larger company if it was to go wrong you have more ways to get things sorted (Facebook, Twitter, letters to their CEO, etc) whereas with a broker they're not so easy to get blood out of.
AmirRS4B5

20 years old RS4 B5 all mods declared £1000 year 3 years no claims with elephant
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