car insurance - 18/08/2003 - help

Post by **Lyndon** » Thu Aug 14, 2003 9:56 am

Hi all,

i've just got me insurance quote for ALL the below items -

Date of birth - 13/08/1971

Full UK driving license
Full no claims discount
NO indorsements

Vehicle
Make - Peugeot 206CC SE
Reg - A13 LPN
Engine - 2.0litre 16v petrol - manual
Colour - firedance (orange)
Year - march 3rd 2001

Value - est Â£17,500 when new.

Extras
Full leather interior - Â£700 peugeot option since new
Front Mesh grille - Â£179 peugeot option since new
Rear back box - Â£249 peugeot option since new
Lexus style rear lights - Â£130 peugeot option
Chrome rollover hoops - Â£149 third party sourced and fitted

Stereo
pioneer headunit - Â£600
kenwood 5channel amp - Â£350
kenwood front speakers - Â£80
pioneer rear speakers - Â£45
pioneer 12 " subwoofer - Â£90
custom built sub box - Â£50
wiring - Â£100
Labour - Â£100

Alarm
Peugeot standard alarm and immboliser

the quote is Â£740

i've tried the one's on the net like elephant.co.uk (Â£910ish

), esure.co.uk around Â£620 but NO mods covered just the stereo upto Â£1750

most don't wanna know about the mods or only give about Â£250 cover for the stereo

help

Erm · Post by **Erm** » Thu Aug 14, 2003 10:38 am

Why bother listing the price of everything including the leather etc???

You can take out a seperate insurance for your stereo equpiment if your that bothered at having it covered for its full value, but i wouldnt as the stuff locked in the boot is pretty secure in there as they need the key to get in there to nick whatevers in there.........

Some companies say that any mods that are just cosmetic dont increase premium, so in your case its only the zaust that is a performance mod.

Try Tesco, they do online quotes

your paying way too much for someone of your age

MattB · Post by **MattB** » Thu Aug 14, 2003 11:48 am

Have you tried the performance insurance companies such as HIC, Adrian Flux, Liverpol Victoria?

Personally I found Direct Line cheapest for two years running.

As Erm says, the only mods you need to worry about is your exhaust and possibly your rear lights as they're fairly easy to nick (at a guess). If you're that worried about stereo equipment take out a separate policy as it'll be cheaper.

Adrian · Post by **Adrian** » Thu Aug 14, 2003 12:22 pm

Lyndon

I renewed my insurance last week. The premium is Â£569.15, I dont have as many mods as you but I do live in a high risk area of East London.
Im insured with Equity Red Star via brokers called Boncaster, you could try giving them a call on 0870 608 3613.

Post by **Lyndon** » Thu Aug 14, 2003 12:29 pm

Why bother listing the price of everything including the leather etc???

You can take out a seperate insurance for your stereo equpiment if your that bothered at having it covered for its full value, but i wouldnt as the stuff locked in the boot is pretty secure in there as they need the key to get in there to nick whatevers in there.........

Some companies say that any mods that are just cosmetic dont increase premium, so in your case its only the zaust that is a performance mod.

Try Tesco, they do online quotes

your paying way too much for someone of your age

coz i like to let the insurance company know EXACTLY whats fitted to my car so they can't argue the case if i have to make a claim

if the locks on the CC are as good as the normal 206's door's/boot then they last about 5secs to a thief who knows what he's doing deadlocks or not (autoexpress test last year i think)

thx will give tesco's a try

if i'm paying too much, how much is your insurance for the CC and are all your mods declared,if you know

Post by **Lyndon** » Thu Aug 14, 2003 12:30 pm

Have you tried the performance insurance companies such as HIC, Adrian Flux, Liverpol Victoria?

Personally I found Direct Line cheapest for two years running.

As Erm says, the only mods you need to worry about is your exhaust and possibly your rear lights as they're fairly easy to nick (at a guess). If you're that worried about stereo equipment take out a separate policy as it'll be cheaper.

adrian flux wanted Â£730 with more excess so not much cheaper

thx

Post by **Lyndon** » Thu Aug 14, 2003 12:31 pm

Lyndon

I renewed my insurance last week. The premium is Â£569.15, I dont have as many mods as you but I do live in a high risk area of East London.
Im insured with Equity Red Star via brokers called Boncaster, you could try giving them a call on 0870 608 3613.

and your a older bugger too

may get round to them when i've done all the others thx

Adrian · Post by **Adrian** » Thu Aug 14, 2003 1:13 pm

and your a older bugger too

Careful.

I’m feeling very touchy about my age at the moment. I renewed my MG Car Club membership recently and when I got my updated membership card, enclosed was a 25 years membership lapel badge.

I felt a bit better when I was reading some race reports and recognised names of some of the people I used to race against, and thought if they can still do it then I should get back out on the track again. Of course it soon dawned on me that I was reading about the sons of those drivers. So please leave off your ageist comments. Especially as I’ve got yet another birthday coming up soon.

Dave Morton · Post by **Dave Morton** » Thu Aug 14, 2003 1:28 pm

Try Egg.

I'm only a couple of years older than you (24/12/69). I pay around Â£340 with all mods declared (they didn't increase premium as dealer fitted). Not 100% sure on stereo cover without checking but think it was Â£1,000.

They do an online quoter too at www.egg.co.uk (might be .com)

Good luck

Dave

Post by **Lyndon** » Thu Aug 14, 2003 1:34 pm

and your a older bugger too

Careful.

Iâ€™m feeling very touchy about my age at the moment. I renewed my MG Car Club membership recently and when I got my updated membership card, enclosed was a 25 years membership lapel badge.
I felt a bit better when I was reading some race reports and recognised names of some of the people I used to race against, and thought if they can still do it then I should get back out on the track again. Of course it soon dawned on me that I was reading about the sons of those drivers. So please leave off your ageist comments. Especially as Iâ€™ve got yet another birthday coming up soon.

oops soz m8

paul_y3k · Post by **paul_y3k** » Thu Aug 14, 2003 2:10 pm

blinking heck lyndon .. do you live in beriut ?
my insureance quote for the supra isn't far off what your paying.

and thats for an import as well !!!!

Post by **Lyndon** » Thu Aug 14, 2003 2:25 pm

blinking heck lyndon .. do you live in beriut ?
my insureance quote for the supra isn't far off what your paying.

and thats for an import as well !!!!

just bought my insurance from www.esure.co.uk at Â£524.89

saving over Â£200 from what my current one wanted

spoke to them on the phone just to confirm that the mods are covered, they said yes if they are a peugeot option which they are now,hoops,lexus lights and leather always as been

plus Â£1750 cover for the stereo

go them a whirl they could save you a few quid

Darth Bourj · Post by **Darth Bourj** » Thu Aug 14, 2003 2:35 pm

Ooops see you have got your insurance. I am a slow typer!!

Try Direct line- tel number 0845 246 8811. You can get a quote online. My renewal was 546 pounds with the following:

I was 27 (28 today) have my 21 year old partner on the insurance. As a named driver.

600 pounds of stereo cover. Didnâ€™t ask for this. It just states this on the policy

Less than 10'000 miles a year.

No claims discount protection.

Motor legal protection.

2001 2.0l CC SE. I enquired about cosmetic mods and was told as long as I am prepared to have any damage items replaced with original stuff then there is no extra charge. But best to clarify this point.

Adrian · Post by **Adrian** » Thu Aug 14, 2003 2:40 pm

I didnt bother with esure. I thought they were for the older driver. :rolleyes:

Post by **Lyndon** » Thu Aug 14, 2003 2:41 pm