Hey ive tried searching this and not got a deffinative answer. Im 19 and am insured with admiral and im looking to make a few modification to my car. Does anyone have experience of how admiral react to this at my age ,will they even quote for it and if so how much extra roughly ? Thanks.
Admiral insurance
- Thread starter Rob-Cupra
- Start date
Badly
Expect them to not quote, if you're speculating about modifications it's not unheard of for some insurers to assume you've done it already
You can have up to five modifications if i remember correctly, skirts and spoiler count. Can't remember how much of an increase each mod i had was exactly, can't remember it being a lot. Just remember being annoyed about the limit of five regardless of being happy to pay extra.
Hey thanks for the reply was this with admiral? and was you my sort of age (19) ?
How old was you when you did this and yeh my policy is up for renewal in feb so i might just wait till then .
day841
Guest
I'm with Elephant and pay £648 for the year on a '60 plate Bocanegra with 2 crashes and I'm 19 living in the centre of Cambridge 
How is that even possible? I pad 1800 for 10 months with elephant, 1 crash, 3 points and 20 y/o on standard 1.4 in Preston
Bocanegras are in the wrong insurance bracket. I think they're in group 4 on ABI systems instead of 14 and nobody seems to have noticed.
Admiral always been reasonable For me adding mods to my cars, use the online quote thing, You can select What mods and see How it effects the policy, then just ring up And they sort it there and then. Didnt cost me a penny to declare remap, air induction was most expensive at 50. Alloys and suspension were in region of 20-30 for me.
admiral used to insure mods, (for a fee).
However, about 2 years ago? they no longer insured modded cars, unless already insuring them. (at least that was what they told me)
As above, if you enquire but they say no, they may expect that you will / may have do it anyway, so any accidents and you may have issues.
being 19 you should see out the policy and try a mod friendly company or be patient.
but anyway, what sorts of mods are we talking about?
However, about 2 years ago? they no longer insured modded cars, unless already insuring them. (at least that was what they told me)
As above, if you enquire but they say no, they may expect that you will / may have do it anyway, so any accidents and you may have issues.
being 19 you should see out the policy and try a mod friendly company or be patient.
but anyway, what sorts of mods are we talking about?
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Deleted member 74601
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You do realise that your mods won't be covered with admiral, even though they're charging you to insure them?
If you get a new bumper for example, and pay £50 to insure it, they won't replace it with a like for like, they'll put another standard bumper on. Therefore you're paying them extra for nothing.
I'm with Admiral now, but don't have any mods. If I had mods, I'd be going elsewhere.
If you get a new bumper for example, and pay £50 to insure it, they won't replace it with a like for like, they'll put another standard bumper on. Therefore you're paying them extra for nothing.
I'm with Admiral now, but don't have any mods. If I had mods, I'd be going elsewhere.
this is correct.
the extra is purely to cover the higher risk you now represent. not that the mods are insured.
They will always repair or replace to OEM standard. unless you have a 'like for like' modified policy.
the extra is purely to cover the higher risk you now represent. not that the mods are insured.
They will always repair or replace to OEM standard. unless you have a 'like for like' modified policy.
As above the insurance company won't unless an extra policy is taken out, but thats unnecessary, they won't pay out like for like, but if you had an accident, your legal cover will and can set out to claim back any uninsured losses, such as broken phones/clothes as well as declared aftermarket mids. Anything that puts you out of pocket.
Jay
Jay
I was going to point this out.
I've always found Admiral spot on, but I've always had under the 5 mods.
They even insured my 2nd Mark 2 16v ibiza for only £ 22 more then the one I wrote off the previous month.
That's chep on the Bocenegra, I'm 32 and (will be) paying £650 for and LCR with Remap and uprated brakes but mrs has a ban and SP30 and live in London.
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I've been with admiral for 4 years now adding more cosmetic mods every so often and it's changed my policy very small amounts. Been very pleased with them.
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