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I can't believe how hard it's been!

10K views 66 replies 29 participants last post by  BillyT 
#1 ·
As per title, I've had a right headache trying to find insurance on my M2, most mainstream insurance companies won't even ensure the car full stop, regardless of my age and my proud driving record as well as 20+ years no claims. Now get this, one insurance company would ensure the car even if I went ahead with an ECU remap as long as it was no more than a 10% increase but as soon as I told then I've had the roof wrapped the underwriters didn't want to know:confused: figure that out! I even declared that I have had dealership options such as my carbon trim accessories, those of you who have seen my car on here will know, even the M performance exhaust I've had fitted as deemed as a modification according to some underwriters. When I filled out the on line forms the mods list seems to unambiguous for me, how do you define a mod fitted to your car, is it from the dealership or third party? Four insurance companies did agree to ensure my M2 but they wouldn't replace like for like so for example they would replace the exhausts with the stock set and in turn would leave me out of pocket. All this experience has really surprised me. I have had to go to a specialist ensurer that deals in performance cars in which only seven came up. I am already bracing myself for renewal in 2018 as it looks like for as long as I own the M2 it's going to be these types of insurances I'll need to turn to. Have any of you been faced with this dilemma before? Oh and by the way I have a 14 day cooling off period so if any of you can recommend a particularly ensurer and I haven't checked them out then I will.

thank you :thumb:
 
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