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omg!
Member Since: 01 Jun 2011
Location: Fife
Posts: 569
  
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| V8 Brake upgrade = Insurance Premium Hike |
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Disco Mikey just did my V8 upgrade in less than an hour this morning and an excellent job it was too.
My insurance is up for renewal so I shopped around for a quote and found that the ability to stop more quickly and by inference be less likely to have a crash, INCREASED my insurance premium by £60! That's an increase of 40%!
The brakes will be no more expensive to replace than originals should there be a claim and surely more stopping power reduces, not increases the risk of a claim being made!
This increase was across the board using gocompare to make the comparisons, one run without mentioning brake upgrade and the next with it included. Robbing gits!
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 22nd May 2015 6:13 pm |
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Ian999
Member Since: 08 Sep 2013
Location: North Somerset
Posts: 57
 
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To an insurance company better brakes = drive faster, simples..... Autologic remap, Superpro front lower bushes. Privacy Glass. 4x4 info enabled. Now sitting on Michelin Cross Climate SUV tyres. New Borg Warner turbo Nov 2014. Recon gearbox 2019.
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| 22nd May 2015 6:46 pm |
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Popelka
Member Since: 31 May 2008
Location: Praha (Prague)
Posts: 2430
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It'll be for all the claims that you stopped a 2.7 ton quicker than expected and they rammed you in the A  ....  Experience is a difficult teacher, because she gives the test first and then the lesson afterwards!!!!
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| 22nd May 2015 7:05 pm |
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omg!
Member Since: 01 Jun 2011
Location: Fife
Posts: 569
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Yes I did consider doing that Mike but then if I have a bump and they declare the policy void because of all the nice shiny bits you have just put on it, I am up 5hit creek.
They are slippery gits at the best of times, looking for any excuse not to pay out so I don't want to give them any ammunition. I even told them to add the wheels to the mods even though they were fitted when I bought it but I know they are not standard.
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| 22nd May 2015 7:13 pm |
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DiscoJake
Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
 
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Ignorance is no defence to an insurance company I doubt, you've done the right thing declaring 
I had to pay £25 extra with Hastings but actually blagged them with another cheaper policy so ended up paying the same to renew 
And I still haven't fitted my Brembo's
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| 23rd May 2015 7:50 am |
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yogi972
Member Since: 05 Jun 2011
Location: Kineton
Posts: 3373
 
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Got my insurance through Aplan
Told them all my mods (think they needed an extra page 8) totally beat the competition .
Jus insured wifeys car with them too,
Oh and house insurance.
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| 23rd May 2015 9:13 am |
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DiscoJake
Member Since: 23 Aug 2013
Location: Hereford
Posts: 1429
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A plan were the best for more than 1 mod by miles as they had access to specialist policy's, but with just the brakes the weren't competitive  funny how insurance underwriters work
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| 23rd May 2015 9:51 am |
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omg!
Member Since: 01 Jun 2011
Location: Fife
Posts: 569
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I went with Adrian Flux in the end. I was more confident that I was getting the cover I wanted from them. Trawling through the fine print on online policies wasn't worth the hassle to save a couple of quid.
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| 23rd May 2015 10:11 am |
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ebygum32
Member Since: 03 Oct 2010
Location: yorkshire - London
Posts: 1590
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Every time I try Adrian Flux they come up with something stupid like £800+ for me on the D3 where other companies are £250-£300 max with everything the same, they can never figure it out either Goodyear Duratracs
Pirelli ATR gone
GG AT Gone
RLD Spare wheel protector
Leeds - London weekly return
Club ctek mxs10
Yorkshire 4x4 Response
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| 23rd May 2015 10:41 am |
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omg!
Member Since: 01 Jun 2011
Location: Fife
Posts: 569
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Mine was £265 fully comp and for business use. It includes off road and greenlaning. They were a few quid more but I couldn't be bothered trawling through the others to find what cover I was getting.
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| 23rd May 2015 11:19 am |
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