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    insurance

    Im going to be insuring my car (MK5 club) soon, and i want to fit the exterior pack to my car (minus the 18" wheels). You know how dopey insurance companys are, what would be the best way of explaining the exterior pack to them, and is there any way of it being less painful for me if i say its vaux approved or something, i think thats what i heard. Im only 17 and i fear this will crucify my insurance, but i really really want it on the car as it looks boring without it

    Any help is appreciated thanks so much

    Aaron

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    sximk4's Avatar
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    why not say it was a opinioal extra when you got the car

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    Just inform them that its a body kit and the cost it would be to replace it

    Andrew
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    Quote Originally Posted by Andrew888
    Just inform them that its a body kit and the cost it would be to replace it

    Andrew
    no thanks andrew,they'd be laughing at the end of it

    sensible replys are best appreciated thanks

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    don't tell them, if it was an option of the factory line then its fine.
    Astra VXR - Arden Blue, Diamond cut 19's, Cruise Control, Debaged, Folding Mirrors, CD70 NAVI and CID + Aux-In, Factory Bluetooth, Piano Black Interior Trim, Full Milltek Unresonated Exhaust

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    Its a modification so you need to tell your insurance this. As standard this car doesn not come with this kit so you need to inform them off the type of kit and what it consists off, the more detail the better.

    As its the XP kit from vauxhall play on that and tell them its a vauxhall approved style kit and that it is fully EU approved and fitted to many of there cars as standard. They will be fine with it, try and avoid words like 'bodykit' and 'mean looks once fitted' etc etc and they will charge you the bare minimum.

    Do not think not telling them is worth doing as you may as well not bother paying your insurance at all
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    Quote Originally Posted by AZZA
    Quote Originally Posted by Andrew888
    Just inform them that its a body kit and the cost it would be to replace it

    Andrew
    no thanks andrew,they'd be laughing at the end of it

    sensible replys are best appreciated thanks
    It is a sensible reply, just because you don't like the advice given.

    If you can't afford to insure correctly what you have on your car. Don't get it fitted. \Simple as.

    You can woed it which ever way you like, but it's still a Vauxhall fit Bodykit.

    If you don't declare it correctly and you crash it (again) they'll be laughing at the end of it anyway, cause they won't pay out for any damage.

    It'd be cheaper insurance wise to get the 18" rims and not the XPack.

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    Quote Originally Posted by rizo
    don't tell them, if it was an option of the factory line then its fine.
    Completely wrong!

    Its up to you to tell them whats on the car, ignorance is not a way out of paying your correct amount of insurance. Go along this line and you have a crash they will see the kit and invalidate your insurance leaving you to pick up the bill for your car, the car you hit/person you hit/lamp post you hit etc and the police on your door step.

    For an extra £50 - £100 a year is it really worth it?
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    Try Norwich Union direct. They "quoted me happy". You have to inform them but they are not too bad about it. £10 extra for my Eibachs ooo big deal. They really despise and refuse to insure you if you do any performance enhancing modifications IE air filter ect

    Azza the only advice I can give you mate is not to give them any opportunity to refuse to insure you when the worst happens, because then your really in the poo and believe me insurance companies will find any excuse to get out of spending money.

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    Quote Originally Posted by MatG
    Completely wrong!

    Its up to you to tell them whats on the car, ignorance is not a way out of paying your correct amount of insurance. Go along this line and you have a crash they will see the kit and invalidate your insurance leaving you to pick up the bill for your car, the car you hit/person you hit/lamp post you hit etc and the police on your door step.

    For an extra £50 - £100 a year is it really worth it?
    Mat its not completely wrong, maybe some of these little rubbish insurance companies but the large ones such as NU, AXA, Zurich, Groupama and Equity Red Star don't see it this way. If the kit was a optional extra out of the factory they dont need to know.
    Astra VXR - Arden Blue, Diamond cut 19's, Cruise Control, Debaged, Folding Mirrors, CD70 NAVI and CID + Aux-In, Factory Bluetooth, Piano Black Interior Trim, Full Milltek Unresonated Exhaust

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