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Discussion Starter · #1 ·
Hi, having just recently bought my Mk4 R32, I was contemplating - as we all do - all the ways that I can modify it so that it is better/more personalized etc. My only concern is insurance, and how it is affected by these modifications. Can someone give me some idea of how best to go about telling my insurance company (Admiral), or whether I should be looking to take cover with a specialist company? I'm not keen on keeping the mods a secret as this can only lead to disaster I'm sure.
 

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Yes it is always best to declare everything.

Some companys don't like any modifications...some are not that bothered.

Depending on what you are going to do...some allow a small increase in BHP before they up your premium.

I would ask your current insurer first before you do any mods and then compare the price with one of the sponsors on here or I use A Plan for mine.
 

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I'm insured with Brentacre and all cosmetic mods have no extra charge you just have to ring them up and tell them what's been done. As Paulie said they allow small increases in BHP With no extra charge as well.
 

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Discussion Starter · #5 ·
Yes it is always best to declare everything.

Some companys don't like any modifications...some are not that bothered.

Depending on what you are going to do...some allow a small increase in BHP before they up your premium.

I would ask your current insurer first before you do any mods and then compare the price with one of the sponsors on here or I use A Plan for mine.
Thanks a lot guys, really helpful. I'm only going to begin with cosmetic mods so I'll give my insurer a call to gauge their reaction. Hopefully, like you both said, they won't be too fussed about non-bhp increasing mods. It's funny how I've only had the car for 4 weeks and I've already got a list as long as my arm of all the things I want to alter!
 

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Discussion Starter · #6 ·
I insured with greenlight all mods declared at £400 odd fir the year
Wow, mine is about double that, although I have only been driving for 4 years and had a claim in my 2nd year of driving - nothing too serious, but me at fault.
 

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10+ years NCB mate, I think it was £380 all in...

Mods are:-

Alloys
Arbs
Shocks and springs
Full exhaust including manifolds
Stero I haven't bought yet
Air filter
Ecu remap

So I reckon it's a pretty good price
 

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Discussion Starter · #8 ·
10+ years NCB mate, I think it was £380 all in...

Mods are:-

Alloys
Arbs
Shocks and springs
Full exhaust including manifolds
Stero I haven't bought yet
Air filter
Ecu remap

So I reckon it's a pretty good price
Yeah a really good price...and nice showing off about the NCB! I have 2 years now, but even so my insurance is £1k which I think is pretty fair considering the car. I'm 28 this year which helps also.

Over the next 3 years I am going to change the interior and exterior quite significantly, although keeping it OEM - no Halfords! Thinking:

Spacers
H&R springs
Aero wiper
US rears
LEDs inside and out
Private plate (V6 something)
Keeping alloys stock, but refurb - I think they look great

Headlining retrimmed in Black alacantara with black bits taken from various VAGs
Seats, gearstick, leather on door cards and handbrake retrimmed in Tan leather with tan alacantara inserts on the seats
Double din stereo

Going to do it in stages over the next 3 years. Will be expensive I'm sure!
 

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Im with elephant (which is part of the admiral group) and for me to take a stock car upto around 400 bhp ish (incl charger) they wwanted an extra 800 for year, which I don't consider bad in the fact I'm only 22 with a crash against me
 

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Brentacre for me too, they know their stuff when it comes to modifications
 
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Discussion Starter · #11 ·
Brentacre for me too, they know their stuff when it comes to modifications
Seems like I'll be calling around to the specialists if Admiral hike their price up. Understand a price hike for performance mods, but less so for cosmetic
 

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Also try need2insure. Im with them on a special modified policy and agreed value for 480. 8 yrs NCB. You can do what you want up to 300bhp, past that there is a price rise
 

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Hi, having just recently bought my Mk4 R32, I was contemplating - as we all do - all the ways that I can modify it so that it is better/more personalized etc. My only concern is insurance, and how it is affected by these modifications. Can someone give me some idea of how best to go about telling my insurance company (Admiral), or whether I should be looking to take cover with a specialist company? I'm not keen on keeping the mods a secret as this can only lead to disaster I'm sure.
Hi,
If you need any help with insurance then please feel free to drop me a line if you like.
Regards,
Dan.
 
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