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£900, but just got my new quote. 5 years no claim 29 years old £520.80 + no claim protection £89.25 + Legal protection £17.85 = £627.90. its come down £21 per month thats £250, well happy with that. Ive claimed for wheels and exhaust, left out the rest. Dont think ill bother looking around now, even though im sure some of you are cheaper. Its just a lot of hassle to change insurance companies. It could be the start of a lot of pain, very expensive pain, if you have to make a claim. Small price to pay now, for a potentially big price later. I dont know anyone that has.The Morris wrote:have you ever had a crash and had your car inspected by the insurance company?
. with my old Celica.. and my cousin has with his tubby when he crashed it.. 
If you have your car assessed by the insurance company as to cost of repairs/whether it's a right off, it will be inspected, and they're not fools. I have a mate who does it and he regularly trawls car bulletin boards and car magazines so he knows what he's looking for, and he is not alone. It can happen, it does happen and if it did, your insurance would/could be null and void. Then, depending on the severity of the accident, Mr Plod could get involved, and then we have the whole gammit of driving without insurance etc etc etc. At the end of the day, if i wrote it off how much would they give me £3000 tops. if you have a crash and, god forbid, someone is seriously injured and your car is inspected, you possibly would have no insurance and thats when it can get very very nasty. declaring all your mods is not automatically going to ramp up your premium. Talk to a specialist broker, but just don't try and beat the system by falsely declaring fewer mods than you have. can't afford the insurance, don't do the mods, it's as simple as that.The Morris wrote:i understand that if i have a big crash they will take a look, but not for the odd knock.
.. mine was a minor dent.. and they still sent someone round.. Those that do you can always phone around and play the give me a lower quote game, worked for me and I'm only paying £370 fully comp and protected this year. 
This was the only mod i had put on and the ins company refused to pay for the damage as they said it was the "non standard wheels" that caused my accident so i had to fork out 2k to get my car sorted out. Im hoping to sell the focus and get a company car, so hello pink car 
RedMR² wrote:Nice price dude!
StuartLaws wrote:RedMR² wrote:Nice price dude!
I thought so as well
£675 for a N/A import (UK spec). Admittedly, this does include breakdown and legal and an 8 year protected NCD but still ... ...The Morris wrote:privillage
£200 but that's forfeiting my breakdown cover which I am sure can be obtained cheaper than privileges offering at £103! Mine has after market side skirts (nothing too flash) but there doesn't seem to be anywhere I am able to declare this. Should I be concerned as this minor detail could potentially invalidate my insurance? I guess they are only a different version of the original side mouldings after all?(checked with customer services)....spyda wrote:One concern though, they say in the small print, the car must not be modded in any way.
<b>not</b> affect the premium through privilege - I have just confirmed this with customer services....