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The Insurance Zone Want to insure your ride but not sure of wheres best.. Well, put a post here and others should be able to help!

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Old 10-01-2017, 09:27 PM   #1
Soul boy 68
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I can't believe how hard it's been!

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 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.

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Old 10-01-2017, 09:35 PM   #2
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Have you tried Dan @ Adrian Flux on here mate? He may be able to sort you out
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Old 10-01-2017, 09:38 PM   #3
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As above
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Old 10-01-2017, 09:40 PM   #4
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Have you tried Dan @ Adrian Flux on here mate? He may be able to sort you out

Adrian flux insurance and Dan is the man to speak too right?
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Old 10-01-2017, 09:41 PM   #5
wish wash
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If you tell us the insurance companies that would quote we may be able to suggest others.
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Old 10-01-2017, 09:41 PM   #6
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I can't believe how hard it's been!

Insurers (and manufacturers) are just getting less tolerant of modified cars full stop. It's being guilty by association unfortunately that you are now reckless and going to speed through towns and do donuts in McDonalds, and as such they make it difficult for you to be insured.

It's all stemmed the amount of lowered, altered and remapped (VW group and BMW cars especially) that get taken back for warranty work (when the owners have not declared them) and then try to make out that the car is now a warranty issue as it's 'standard'

Lots of people don't declare mods for the issues you are finding or for the costs involved..


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Old 10-01-2017, 09:45 PM   #7
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If you tell us the insurance companies that would quote we may be able to suggest others.
Too many to mention fella, I've done the usual go compare search, u switch, confused.com and it's thrown up loads of insurance companies and most of them won't ensure the vehicle with the mods I've had fitted, they would ensure the vehicle with stock parts but that's about it, then as you know the further down you go the more expensive it becomes, I've had up to £3,000.
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Old 10-01-2017, 09:47 PM   #8
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Have you tried Keith Michaels plc they only do high end cars/ performance.
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Old 10-01-2017, 09:47 PM   #9
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Quote:
Originally Posted by Blackroc View Post
Insurers (and manufacturers) are just getting less tolerant of modified cars full stop. It's being guilty by association unfortunately that you are now reckless and going to speed through towns and do donuts in McDonalds, and as such they make it difficult for you to be insured.

It's all stemmed the amount of lowered, altered and remapped (VW group and BMW cars especially) that get taken back for warranty work (when the owners have not declared them) and then try to make out that the car is now a warranty issue as it's 'standard'

Lots of people don't declare mods for the issues you are finding or for the costs involved..


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One question then fella, how do drivers ensure super cars and other high performance cars with twice as much power as mine?
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Old 10-01-2017, 09:48 PM   #10
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Would you liked to be a named driver? lol

Just for a 2016 M2 no mods declared.
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