…as far as anyone is concerned, alright 
My insurance aren’t bothered if I fit extra security at my cost. They know what they want, and that’s all they want. If you have extra security then it doesn’t make a difference. I know it has enough security for my peace of mind, so why do I need insuring against total loss through theft?
My no-claims has gone up by 10% from 40% to 50%, but has my premium gone down by 1/6th? Even factoring inflation into the equation it still doesn’t add up, so my insurance company is plainly screwing me.
Modifications, well as I see it, my HKS EVC III is worth next to nothing in modern money, and only increases my boost to roughly the same level as the free boost mod would. Anything higher I see knock, so I can’t do it.
Air filter, OK I can accept that this will increase performance, but is probably as cheap to replace as the standard set-up.
Exhaust, a complete custom stainless system that cost £650. Apart from the fact it is made from stainless, includes a lifetime guarentee and doesn’t include a cat, it is pretty similar to the standard system. In fact it looks the same at the rear, is just as quiet, and even includes 4 silencer boxes. How much does the standard active exhaust system cost?
Alloy wheels, the same diameter as standard, locking wheelnuts fitted (personnel choice to keep them, not an insurance requirement), wider than standard wheels which in my opinion gives it better road holding. Now these are probably cheaper than the standard wheels to replace if damaged or stolen, so why do I need to declare them? Is it because it will drop my premium???
Brakes, better discs, pads, fluid and lines. Surely this means the car is safer than the standard set-up? Do we think it lowers the premium???
Plugs and leads. Iridium plugs cost less than the standard platinum ones, Magnecor leads cost less than standard ones. Performance gains? Not much really I guess. Does it increase your premium???
CO2 intercooler spray, now this costs money to use, and doesn’t do much unless you are waiting around for a drag run heat soaking the ICs, so isn’t really an issue on the roads. Can I tell them about it and get it insured as long as it is disconnected from the car on the road? Can I boll…
Nitrous/propane, again, a racing modification that is used at the strip. So why is it no-one even insures it? I don’t want it insuring on the road, I want to be able to drive to the track with it in my boot, then turn it on when I get there.
Mileage. Can you limit the mileage sir? Of course I f*cking can, but why should I? At what point does driving a certain mileage make you safe? The less you drive your high powered car, the safer you are? Or the greater the chance of it catching you by suprise? Why don’t I get my car MOT’ed now, then take a policy out in a fortnight. Whatever mileage is showing when I claim from you, only 900 miles will have been done since I took the 1000 mile policy with you, the other 8000 miles was done in the fortnight before I started my policy. Also I’ll wire up the signal to my mileometer to a switch. This will remain in the off position, as I can tell roughly when to change my oil and filter. If there is an accident it will get turned back on, just so you can see it move round.
Excess? If I have 10 minor bumps in a year that cost less than £450 each, then I will pay the complete amount each time if my excess is over £450. If I claim through you and have to pay the entire claim myself, then I lose my no-claims, but don’t benefit from you.
Protect your no-claims. What an excellent idea. This means you can drive without worrying about a financial penalty for causing an accident. Except you pay 25% extra on your policy for this privlege, then if you do have an accident, although you keep the no-claims, you still have to declare the accident, so you still lose out.
Sorry for the rant, I’ve had enough. My car will be insured on a 1000 mile standard basic fully comp policy this year. I’m fed up of them screwing me.
Steve
