FPM375 .. insurance

[rampant]

Car insurance is fickle with postcodes.

I was with Pace Ward brokers on a modified car policy (Zenith) for my modified Evo IX when I swapped to the RS, so just continued with them and didn’t pay any extra at the time.  I have induction kit and remap listed as modifications (even though I haven’t got the FPM375 fitted yet), and this year my renewal at the beginning of March was just over £500.  Excess is high on that policy at £550.

I shopped around and standard unmodified RS insurance could be gotten at £320 with a £100 excess, but woe-betide anyone who fits the FPM375, it jumps to over £500 with a siginificant rise in Excess.

Other details are age 47 no points, no claims, protected 20 year NCD, 9,000 annual miles, locked garage overnight, secure car park at work (under live armed guard) on a Lincolnshire postcode, access to another *much* more powerful car.  So nothing to increase the premium except the postcode part and maybe my occupation plays a role too????  Mrs also on policy: no points or claims, etc. – which should serve to reduce the premium as well…

And the other car is cheaper, despite being twice the value and 480bhp exotica!  It is, however, “unmodified”…

Nothing really makes sense in the world of insurance under-writing, they’re just out to make money, after all, and the type of cars we drive are not the loss-leaders, so they have to make up for the other loss-leaders by adjusting the scales elsewhere.  Which to me is subversive and plain unethical, but unethical is what business thrives on – as long as it is “legal”.

 

Yours Aye

Mark H

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// ’17 Nitrous Blue // Forged Alloys // Michelin Super Sports // Painted Calipers // Sync 3 // Lux Pack // Winter Pack // Black Gel Spoiler Badges // Blue Gel Wheel Inserts // GTechniq Liquid Crystal // GTechniq Alloy Armour // sold Jun ’18

[GM]

37 clean licence, because of a few vans insured i Insured mine with Dimond in my wife’s name £411. But theres no crime in Merthyr Tydfil at all, so thats why its so cheap?

[hitch6742]

40 – Full clean license from 17, no claims and still pay £850…that’s with the recommended AdrianFlux, in Kent!

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NB 375, Goodrich hoses, RDU cooler (fitted for the hell of it), gas bonnet struts, Mountune RR, hard pipe kit, V1 cat-back….and RS seat covers!

[danf1234]

£350;for me but went up with the 375 to another £50

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First Ford in 20 years and loving every minute of it!

[Mdc]

52 me and wife full comp legal plus car if needed and protected 9yrs no claims £415…when I told them about the mountune tune still £415 I double checked with them went through everything LV insurance

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Mountune 375 FMP mountune v3 M Flaps Forged wheels painted calipers Gel inserts Door protectors clim air Sony upgrade shells ? immobiliser 5yr Ford warranty BIG FAT FORGED IN THE BOOT.HG recall sorted no drama.

[atlgibson]

Does the kit actually have to be declared as a modification? When doing a quote online you can choose the model of the car as FPM375 rather than adding as a modification?

Has anyone done this? Or can you not do it this way?

[marky]

Jesus christ, I had a hunch this forum was full of old gits but I never realised just how many. Is there anyone in there 20’s still? ?

 

22, £1200 – 5 Years NCB.

Had FPM375 now have Ultima 2+

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instagram – marcusrs6

 

’18 NB
DreamScience Ultima 2+
Mountune Induction Kit
AWE Track Exhaust (Straight-piped ?)

[red-leader]

No not me……

[brembo]

@marky

Most of us are late teens/early 20’s MENTAL AGE!! Lol!! Our real age just means we get cheaper car insurance!! ??. We’re all here  for the love of our RS’s so a mixed group is all good mate!! Who’s your insurance with now your running the Ultima 2+??

Cheers, Marc.

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MY/17, F/White, Forged Black Wheels, Recaro Shell Seats, Diamas SiRamik Glasscoat, H&R Anti-Roll Bars/15mm Spacers, EBC Turbo Brake Discs all round/Yellowstuff Brake Pads, Mountune Air Intake/Recirc Valve/SSC/Blue Turbo Hose Kit and Hard Pipe/Uprated Springs/Short Shifter/Rear Motor Mount/Crank Breather Plate, ETS Intercooler, Milltek 100 Cell Cat, Remus Wolf Inside Exhaust, Litchfield Stage 2 map via Cobb Accessport V3, DSC unit.

[coastliner]

markey

With age comes wisdom, also incontinence, and dementia.

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Coastliner

[marky]

@brembo It was originally Direct Line about £850 for stock RS, rose to £1200 because I had to change insurers (DL don’t insure modified under 25 y/o). I declared up to 30% increase in hp I think when I originally did it, along with air induction, exhaust system etc so it’s covered all my mods so far! I’m with Elephant, was cheapest on comparethemeerkat.

I live in a fairly rural postcode too, so I dread to think what it’d be in a city or town.

 

Haha, I’m only poking fun, its become a running joke with my dad that I only see people his age driving my car!

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instagram – marcusrs6

 

’18 NB
DreamScience Ultima 2+
Mountune Induction Kit
AWE Track Exhaust (Straight-piped ?)

[brembo]

@marky

Yeah it’s a fact mate, the majority of Mk3 RS owners are in their 40’s and 50’s!! Your doing good driving one at your age, I’d have loved something like this when I was 22!! Did you get quotes from any of the specialist insurers for modified cars like Sky, Performance Direct, Adrian Flux etc…???

Cheers, Marc.

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MY/17, F/White, Forged Black Wheels, Recaro Shell Seats, Diamas SiRamik Glasscoat, H&R Anti-Roll Bars/15mm Spacers, EBC Turbo Brake Discs all round/Yellowstuff Brake Pads, Mountune Air Intake/Recirc Valve/SSC/Blue Turbo Hose Kit and Hard Pipe/Uprated Springs/Short Shifter/Rear Motor Mount/Crank Breather Plate, ETS Intercooler, Milltek 100 Cell Cat, Remus Wolf Inside Exhaust, Litchfield Stage 2 map via Cobb Accessport V3, DSC unit.

[marky]

@brembo

 

Ha, that’s why I don’t have any money for anything else! At least I can keep up with my dad in his RS6 now eh!

 

I didn’t mate, just went with the cheapest on the comparison sites, in hindsight I should have really, I’ll take a look when next renewal comes up. I think Flux is on comparison sites but didn’t seem that cheap. Honestly if you’re under 25 it seems you get heavily penalized for modifications no matter who you go with sadly. My old BMW E46 330Ci was down to £300 a year as well, so this is costing me a penny or two more!

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instagram – marcusrs6

 

’18 NB
DreamScience Ultima 2+
Mountune Induction Kit
AWE Track Exhaust (Straight-piped ?)

[brembo]

@marky

When I was 18 I paid £2000 for a years insurance on a Mk2 Golf GTI!!! I didn’t give a F**K mate, I had my dream car at the time and got plenty fanny with it too!! Haha!! ?.

I’m currently 43 and had fully comp insurance for £218 on the RS, when I told that company I was modifying ma RS they said the insurance was null n void so I modified it as per the list below my comments and I’m currently paying £500 through Adrian Flux. They were the cheapest I found anyway, I also used them for a Highly modified Pug 205 I had years ago, I think I was about your age back then mate and I was £800!! So it’s certainly worth shopping around next year. The thing with specialist insurance is that they understand what modifications your doing and know exactly what your saying to them, plus they understand that there’s more chance of your neighbours basic Vectra getting knicked than your pride n joy!! I would advise you get your Keyless Entry disabled and let the insurance company know that. ANYHOO, enjoy the RS pal, and if your managing to keep up with your Dads Audi RS6 then he must have something stuck under his accelerator pedal!! Haha!! All the best pal!!

Cheers, Marc.

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MY/17, F/White, Forged Black Wheels, Recaro Shell Seats, Diamas SiRamik Glasscoat, H&R Anti-Roll Bars/15mm Spacers, EBC Turbo Brake Discs all round/Yellowstuff Brake Pads, Mountune Air Intake/Recirc Valve/SSC/Blue Turbo Hose Kit and Hard Pipe/Uprated Springs/Short Shifter/Rear Motor Mount/Crank Breather Plate, ETS Intercooler, Milltek 100 Cell Cat, Remus Wolf Inside Exhaust, Litchfield Stage 2 map via Cobb Accessport V3, DSC unit.

[Ric Law]

Would insurance ever know if you ran And re map ie litchfield stage 1

now hardware visible?

[Author]

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