Privilege Insurance = NO PERFORMANCE MODS

[philb1965]

Just phoned them and they will not insure any performance mods as of 2nd April this year.

 

That's just stuffed me for changing my exhaust The lack of exhaust sound is the only downside of the car.

 

Looks like I'll have to wait until November and move my policy...well cheesed off.

[BladesGrant]

Just phoned them and they will not insure any performance mods as of 2nd April this year.

 

That's just stuffed me for changing my exhaust The lack of exhaust sound is the only downside of the car.

 

Looks like I'll have to wait until November and move my policy...well cheesed off.

 

Surely the exhuast you plan on fitting came with the car from the dealer!! I know nothing about cars or exhausts Mr Insurance Man!!

[skyinsurance]

 

Surely the exhuast you plan on fitting came with the car from the dealer!! I know nothing about cars or exhausts Mr Insurance Man!!

 

Fantastic advice there!!

[BladesGrant]

 

Surely the exhuast you plan on fitting came with the car from the dealer!! I know nothing about cars or exhausts Mr Insurance Man!!

 

Fantastic advice there!!

 

It was said tongue in cheek, I have a lot of mods on my car and everyone is declared. Not a lot of advice you can give someone if they are only half way through their policy and the company won't accept mods.

[IanS16]

 

Surely the exhuast you plan on fitting came with the car from the dealer!! I know nothing about cars or exhausts Mr Insurance Man!!

 

Fantastic advice there!!

 

+1 What idiotic advice

[skyinsurance]

 

It was said tongue in cheek, I have a lot of mods on my car and everyone is declared. Not a lot of advice you can give someone if they are only half way through their policy and the company won't accept mods.

 

fair enough, things are often misinterpreted on car club forums, it is wise to point out in this case that running with an undeclared exhaust potentially means running with a void insurance policy.

 

The only advice to give in this case would be to cancel and insure with a modification friendly insurer.

[philb1965]

Fight!

 

I know, posted it in case anybody else is with privilege, I've been with them 9 years and it's typical when I want to make a change to the car they stop insuring performance mods.

 

Never mind, I'll just have to be patient.

[nurrish]

I will let chris rock get across my point of insurance

 

Contains mild language

[BladesGrant]

 

It was said tongue in cheek, I have a lot of mods on my car and everyone is declared. Not a lot of advice you can give someone if they are only half way through their policy and the company won't accept mods.

 

fair enough, things are often misinterpreted on car club forums, it is wise to point out in this case that running with an undeclared exhaust potentially means running with a void insurance policy.

 

The only advice to give in this case would be to cancel and insure with a modification friendly insurer.

 

Just depends on the cancellation policy in place, not worth cancelling if its going to cost you. Just keep saving the money and then put a few mods on when your policy expires and move to another insurer that allows mods, try Sky Insurance!!

[philb1965]

Yep, I'll be shopping around. Privilege were only £350 a year and they've always been fairly cheap for me whatever car I've had.

[BladesGrant]

Yep, I'll be shopping around. Privilege were only £350 a year and they've always been fairly cheap for me whatever car I've had.

 

Thats a good price. I moved to Chris Knot last time and I got a very good quote and the modifications didn't increase it that much at all.

[philb1965]

I'll be trying all the usual suspects, Greenlight, Sky, Chris Knott.

 

A mates got a modified S3 and he gets a good deal from Chris Knott as well.

[alessandro]

Had the same problem last month, Direct Line wouldn't insure me anymore because of the exhaust, I've gone with Sky, a lot cheaper and all of my mods and points are now declared.

[UNABASHED]

don't forget, most of the insurance companies like Greenlight, Sky, Chris Knott etc usually cover mods like for like as well - big advantage if your car is nicked!

[GreenMonkey]

My insurance is due to go up from 300 a year to 600+ when i get my zed! never mind eh?

[UNABASHED]

from what I've learnt, if you pay less than £400 insurance then you either drive a sh1t car or your an old git

[philb1965]

It's a fair cop....old git the grand old age of 44.

 

It winds my daughter up a treat. she pays more than me for her 1.0 Aygo

[smartmove]

That's not good. I am with Privilege at the moment and was about to replace the exhaust. Looks like I'll now wait for my policy to come up for renewal and then move on.

[philb1965]

You can always ask, they might give you a different story. I'd like to stay with them as they've always been the cheapest for me and dealt with a couple of claims really well.

[geoler]

I was with Privilege when I was buying my Zed. But as it had a Nismo exhaust they refused to insure me because of the 1% BHP gain. Had to cancel my policy but they didn't charge me a cancellation fee as they had change their T&Cs.

 

So no need to wait guys.

 

Cheers,

Geo

[ATTAK Z]

so how do we stand with the 350 ........... new exhaust .....no performance gain ...... so are we OK with Privilege ?

[philb1965]

They told me that if it improves performance then they won't insure, but cosmetic mods were ok. Best bet is to give them a call and see what they say.

 

I'm going to have a look at changing insurance in the next few days. I can't wait until November.

[glrnet]

Hi,

 

It's because Privilege Insurance is underwritten by Direct Line and they have had a policy (no pun intended) of not insuring cars with ANY mods, and that includes tinted windows. Some years ago I worked for a company that provided services for Direct Line and if my memory serves correctly both companies wee in the same building!!

 

Just phoned them and they will not insure any performance mods as of 2nd April this year.

 

That's just stuffed me for changing my exhaust The lack of exhaust sound is the only downside of the car.

 

Looks like I'll have to wait until November and move my policy...well cheesed off.

[Zugara]

from what I've learnt, if you pay less than £400 insurance then you either drive a sh1t car or your an old git

 

Careful... I pay £315 buisness use and strangley i drive a 350 and wouldnt consider myself an old git... (44)

[philb1965]

£315 is good, who's that with and what mileage a year?

 

And importantly, are they mod friendly?