Insurance prices/Declaring Mods

[Jons1001]

Just curious to know what sort of money people are paying for insurance and also which mods you declare?

-35 Years old
-5 Years no claims
-8k miles pa
-South east
-MK5 gti dsg
-Air intake declared (doesn't seem to make a difference).

Best quote is £440.

Do you guys declare remap, decat etc.

[Andy]

My r32 its on limit milage all mods declared £340

[Jb55]

Always declare all mods it’s not worth the hassle if you need to claim. I’m a similar age with 4 years no claims. I don’t think you can declare decat as it’s illegal to be on the road without a cat 

Exhaust
Lowered
Induction
Alloys
Stereo
headlights and tail lights
a few interior/exterior mods
£470

[Jons1001]

Always declare all mods it’s not worth the hassle if you need to claim. I’m a similar age with 4 years no claims. I don’t think you can declare decat as it’s illegal to be on the road without a cat 

Exhaust
Lowered
Induction
Alloys
Stereo
headlights and tail lights
a few interior/exterior mods
£470

Who is that with mate?

[Eighteen88]

£434 with all mods listed, 11yrs NCB & two non-fault accidents in the last 4yrs.

Like others have said not worth the hassle not listing any mods you have.

[Jb55]

@Jons1001 not long changed from sky to brentacre

[Lewo]

I've just renewed with HIC now called Sterling.
Heard some say that the underwriters, KGM aren't that good but when I had a no fault claim a couple of years ago they were ok if not a bit slow.
As for prices there are so many variables in car, regions, street parking etc etc.
Just get a few quotes I'd say.

[pudding]

Just curious to know what sort of money people are paying for insurance and also which mods you declare?

-35 Years old
-5 Years no claims
-8k miles pa
-South east
-MK5 gti dsg
-Air intake declared (doesn't seem to make a difference).

Best quote is £440.

Do you guys declare remap, decat etc.

- 48 years old
- Max no claims (well over 10 years)
- 15K miles pa
- East Anglia
- Edition 30 manual
- All mods declared (7R brakes, suspension, ARBs, Revo map)
- £306 Fully comp through LV=

I think being an old fossil is largely responsible for the low price 

As above, I'd rather use a big player vs a broker like Flux, HIC, Greenlight etc as they underwrite through some terrible companies like Marker Study 

I rate LV= actually.  They've consistently renewed cheaper than the previous year and use recognised brands for screen replacements and the best local bodyshops etc.

[TerryDeirdre]

I never accept additional policies when insuring my car. I have read on moneyexpert.com  that insurance companies make their customers pay more money for the contract. When I insured my first car, I made many mistakes, and I paid a lot of additional money. As a new driver, you will be charged the very highest premiums on insurance. This is because you are more like to be involved in an accident. Even though this sounds like bad news, there are different ways to save some additional money. The best option is to choose an easier insurance plan.