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Thread: Insurance for new astra sport - help

  
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    Insurance for new astra sport - help

    Had a look through the forums but not found an answer, hoping someone with experience of insuring astras may be able to help,

    Anyway I get my car tomorrow, its a brand new Astra Sport Sxi 1.7 cdti.. I went for a few extras because I get discounts from working for GM a partner company.

    The car has:

    the VXR styling pack one,
    Driver control pack,
    CDC 40 multichanger
    trip computer
    metallic paint
    folding mirrors
    keyless entry
    Ultra sonic alarm


    Now my problem is, what do I class as modifications above the standard astra sxi model when getting an insurance quote.. All options were fitted at the factory.

    I've rang round a few insurance companies and some have told me that because of so many mods it can't be insured...though they would insure me on a VXR!! or an SRi... I've tried to explain that the styling kit just makes it look like the Sri with the exterior pack....tried also to explain that an Sxi with styling pack is not even as powerful as the Sri 1.8, 1.9 2.0 turbo that they would insure me with.

    Question is..do i have to declare the extras to the car as mods or are they standard because they were fitted at the factory..If I I just declared the body kit I can get a quote for 368 from Zurich with no claim protected and 150 excess... but if i mention the cd changer and other options it becomes uninsurable...

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    i wouldnt expect so as they are from factory
    Ibiza FR CR TDI with 203 BHP

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    Anything that is an option fitted or offered on a new car is not classes as a modification.

    If you tell them you have factory fitted styling pack it should be okay...
    I would have thought

    I mentioned that I'm getting a cat back milltek exhaust - mentioned it was an option from vauxhall (which it is) and it makes no difference to my premium

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    the way i thought it worked was that if you crashed it with the bits oon it from factory they had to replace it if its on the original order form (so keep a copy)
    Ibiza FR CR TDI with 203 BHP

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    Factory fit options are covered by the version codes on your tax book, so therefore shouldn't effect your premium. The souped up alarm should actually reduce it.
    2007 Metro Blue 5 door Mk5 Elite 1.7CDTI
    6th Vauxhall (4th Astra) in 10 years...plus a couple of other sheds...

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    When speaking to an insurance company about the car, when they ask you about any modifications, simply state that the car has not been modified since leaving the factory.

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    totally grey area with insurance companies....just got off the phone with zurich who want to know about all factory fitted extras for my sxi and gave me a quote of over 950....I can get a 1.9 cdti sri for 400!!...seems silly and the insurance firms don't seem to understand.

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    May I ask, why didnt you go for the SRi 1.9? WOuld have probably worked out the same for you.
    DELETED BY ADMIN -MATG

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    Quote Originally Posted by Skt
    May I ask, why didnt you go for the SRi 1.9? WOuld have probably worked out the same for you.
    I'm only paying 15K for a factory order sxi. Through my works discount scheme i can either get 10% off , free insurance and 0% finance or I can get roughly 10% off the car and further 2000 off the car price instead of the 0% finace and insurance offer.. I thought the 0% finance and insurance was not worth 2000..

    I'm buying the car with cash so the best option was to go for whats called a preference price deal.

    e.g

    Sxi 1.7 Cdti (standard) OTR price = 16,125
    Sxi 1.7 Cdti (standard) Assoicates price = 14,527 (includes 10% off and 0% finace and free insurance
    Sxi 1.7 Cdti (standard) Preference price = 12,522 saving 3602

    Sri 1.9 120ps (standard) OTR price = 17,375
    Sri 1.9 120ps (standard) Assoicates price = 14,794 (15% off)

    Sri 1.9 120ps (standard) OTR price = 17,875
    Sri 1.9 120ps (standard) Assoicates price = 15,219 (15% off)

    no preference prices offer on Sri models.

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    ANYTHING which differs from the standard spec should be declared. It depends on your insurer whether they charge for optional extras but they are still 'modifications' so they need to know about them.
    Previous Astras: 1994 Cesaro 1.8 16v | 2002 SXi 1.6 16v | 2001 Coup 2.0 Turbo | 1999 LS 1.6 16v
    Other Vauxhalls: 2001 Vectra 1.8 16v| 2003 Vectra GSi 3.2 V6 | 2005 Signum CDTi 150

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