Ricey

Which is exactly my point mate - they've got generic lists for things that you HAVE to fit into. Same with spacers - if they're not on the 'list' then they class them as a frigging suspension modification. Thats why the likes of Sky can be cheaper sometimes because they take more time to understand what the mod is and what it does. To be fair some people get really frustrated with Sky's requirement for a background of performance cars etc but I actually think thats a really sensible approach that the big insurers don't look at...........unfortunately the credibility falls out of the window again when Olly tries to tell me that a Karaoke DJ is a higher risk than an Admin bod because the general public are all liars

dude you can't be +1ing a comment thats already been +2'd Yeah £12 fleabay happy days.........you might even get a crappy microfibre thrown in.

But those risks are determined by the underwriters normally right? They do seem to come up with some very, very strange decisions for policy loading in quite a few cases, but it really does depend on the insurer. Facts dictate risks.......statistics dictate your premium. Its harder to individually tailor someones risk by paying an experianced underwriter to look at the facts than it is to run them through an automated 'risk model' to determine the premium. My guess is (although some of Olly comments do make me wonder about this theory) thats why some smaller insurers like Sky can give you specifically better (if your facts say your low risk) or specifically worse (if your facts say your low risk) quotes - they use experienced people to assess the risk. Run the same profile through a generic insurers automated quote model and you'll get a generic premium based on statistics. Bottom line though to produce massive profits and generate huge volumes insurance companies go down the easy route so we all get tarred with the same brush.

It is hard to prove unfortunately. ........hard to prove but easy to charge for

+1 osssum stuff!

M41a pulse rifle firing explosive tipped caseless rounds, with over and under pump action shotgun and grenade launcher should get things moving.

you do realise how offensive that is and that he can again......your dead!

The Terminator appears to be back! Also martinmac was Blue for a bit : shrug:

Are you kidding me? Surely you contested that on the basis that, that is a complete load of bull? Nah.......I'd basically have to argue it with every single insurance company in the UK if I did - they all work to the same crap. Insurance is higher if; - you get hit by another party (faultless and NO claim on your own policy). - you live in the middle of no-where (police response times are longer so TWOC'ers apparently target these areas). - you live in the middle of a city (because thats where all the scum live obviously) - you have aftermarket parts which are declared and do NOT enhance performance (but the mod is NOT insured for replacement I might add - apparently if you spend 1000's modifying your beloved pride and joy you won't bat an eyelid at twatting round in it at 150mph until you crash and kill everyone). - If you've been broken into (your 'statistically' more likely to park in the same place........1st thing that I'd do if someone broke into my car would be to park in the exact same spot for sure!). - you have a 'high risk' employment (which makes such a load of difference if your not using the car for work) and finally.........you'll love this one - if you park IN (yes 'in' I did say 'IN......INININININ) a garage your premium will be higher than parking on the drive (because a TWOC'er is more likely to seek the refuge of a garage to nab your motor than he is to do it out in the open on the drive or in the street). Basically get your kecks down and lube up because one way or another they're gonna slip you the high hard one. .........sorry was I ranting again

Feck knows............have you got a chick with a reasonable profile? Stick her on as a named driver - usually brings it down a fair bit...........or better still your Ma if you live at the same gaff. Insurance is the most frustrating pile of utter bollox I've ever come accross and the statistical crap they come outh with is verging on insane - for example my insurance is going up this year because I was hit by another person.......apparently that makes me 'statistically more likely to have a crash where I'm at fault'......go figure.

Hydrolic suspension is going on next - Ribena advert styleeeee Looks cool mate

Mate don't take this the wrong way but are you sure your not in a 'bad' postcode area? Those quotes are silly for your profile. Then again insurance has gone through the roof this year.

Smart repair maybe - shitter