Starlet-Joshy Posted August 21, 2013 Share Posted August 21, 2013 So guys, Recently (like yesterday lol), decided to ring up my insurance company, Flux direct!, Now didn't mind speaking to a "flux babe" on the phone ;), However!! I asked about listing my modifications, and she done a check. The quote come back saying they couldnt quote me so i had to be transferred to another department. After being transferred to another department, I was then told.... "It is unacceptable that i have modified my car!" In which my policy has been cancelled and i have a week to find new cover. So i rang up about getting them to stop and i have to put my car back to standard and remove everything! So mods might be up for sale, eg, Rota's, Tanabe Coilovers, Strut brace, Steering wheel. Quote Link to post Share on other sites
davehart Posted August 21, 2013 Share Posted August 21, 2013 I think it would have been wiser to ring them up before you started putting mods on to check they can cover you with them on Quote Link to post Share on other sites
jimmymac101 Posted August 21, 2013 Share Posted August 21, 2013 Why don't you just keep them and fit them later on? I doubt they will come and check :-/ or just find new cover and don't tell them about the mods that what most people do until they hit the age of being able to declare mods James Quote Link to post Share on other sites
StuDoc 72 Posted August 21, 2013 Share Posted August 21, 2013 Why dont you jus get insurance elsewhere flux are an absolute rip off anyway. I certainly wouldnt be sacrificing the mods. Quote Link to post Share on other sites
Starlet-Joshy Posted August 21, 2013 Author Share Posted August 21, 2013 I think it would have been wiser to ring them up before you started putting mods on to check they can cover you with them on Easy to say now yeah mate, didnt really think it would be much of a problem Why don't you just keep them and fit them later on? I doubt they will come and check :-/ or just find new cover and don't tell them about the mods that what most people do until they hit the age of being able to declare mods James i have to send them photo's of the car inside and out! , and was thinking about leaving just to be able to get insured with mods Quote Link to post Share on other sites
turbo Grant Posted August 21, 2013 Share Posted August 21, 2013 Flux are crap! When I last spoke to them about engine swaps they didn't have a clue what I was trying to tell them. One call to sky and they knew exactly what I was going on about and quoted me on the spot. That's bad news having your insurance canceled. Can make it harder to get cover again Quote Link to post Share on other sites
Starlet-Joshy Posted August 21, 2013 Author Share Posted August 21, 2013 Why dont you jus get insurance elsewhere flux are an absolute rip off anyway. I certainly wouldnt be sacrificing the mods. Yeah was thinking that mate, although ill lose 4 months no claims and have to pay £237 cancellation feeFlux are crap! When I last spoke to them about engine swaps they didn't have a clue what I was trying to tell them. One call to sky and they knew exactly what I was going on about and quoted me on the spot.That's bad news having your insurance canceled. Can make it harder to get cover again Well mate, trying to put it back to standard so they dont cancel it and ill do it myself later on Quote Link to post Share on other sites
jimmymac101 Posted August 21, 2013 Share Posted August 21, 2013 Dude cut your loses and get new insurance and don't make the same mistake to tell them about mods You haven't had insurance long have you? James Quote Link to post Share on other sites
TurboTobz Posted August 21, 2013 Share Posted August 21, 2013 Why don't you just keep them and fit them later on? I doubt they will come and check :-/ or just find new cover and don't tell them about the mods that what most people do until they hit the age of being able to declare mods JamesEver so clever but that means your driving on void insurance, basically uninsured. Quote Link to post Share on other sites
StuDoc 72 Posted August 21, 2013 Share Posted August 21, 2013 Wtf that is shocking. Surely since they want dont want to insure you then thats their perogative.If u lived up here i would jus say cancel the direct debit and ignore them but dont think its the same in England. Quote Link to post Share on other sites
shorty Posted August 21, 2013 Share Posted August 21, 2013 Yea put it to standard, sit out the year to keep the no claims, then bin flux off. They are shite! Sky always beat their quotes by miles in my experience tbh. Quote Link to post Share on other sites
daniel_g Posted August 21, 2013 Share Posted August 21, 2013 If you are under 21 then you wont be able to get insured with sky, even then you need 2yr ncb or something.Admiral & elephant have always been good for me, thats with 'modded' cars aswell. Quote Link to post Share on other sites
Starlet-Joshy Posted August 21, 2013 Author Share Posted August 21, 2013 Yeah cheers guys, dont really want to give up on the mods just yet as i spent time saving and working hard to get them! Just gonna have to sort out with flux and find someone else, by the way IM ONLY 3RD PARTY F@F Dude cut your loses and get new insurance and don't make the same mistake to tell them about mods You haven't had insurance long have you?James 4 months ive passed my test mate :/ Quote Link to post Share on other sites
StarletSr? Posted August 21, 2013 Share Posted August 21, 2013 Dont you have a picture of your car before you modded it? Send them that lol or take them off keep them put it bk on next year? Quote Link to post Share on other sites
Starlet-Joshy Posted August 21, 2013 Author Share Posted August 21, 2013 Dont you have a picture of your car before you modded it? Send them that lol or take them off keep them put it bk on next year? Aha sneaky as fuck that's good tbf, and might just get another company lol Quote Link to post Share on other sites
TurboTobz Posted August 21, 2013 Share Posted August 21, 2013 (edited) Try elephant.Put mum dad uncle aunties all with a decent amount of years driving and ncbs on. I have three people on mine, just quote then remove them one by one seeing that it does Definately go down (most do) wouldn't reccomend older generations on there as it can raise it.Maybe take your pass plus, try fully comp it actually works out cheaper a lot of the time.Value your car at the higher of the value scale, £5k ish worth of car is cheaper to insure (I guess they think you'll take better care)Higher excess, drive safer.Elephant does it all on a 10 month policy so you get ncbs quicker!!! Edited August 21, 2013 by TurboTobz Quote Link to post Share on other sites
StarletSr? Posted August 21, 2013 Share Posted August 21, 2013 Also try it parked on the road not in a garage as people damage there cars putting them in garages so it cost more in some cases put mine down by 200 Quote Link to post Share on other sites
shorty Posted August 21, 2013 Share Posted August 21, 2013 (edited) Please can people stop trying to encorage "blagging" the insurance! If you have an accident your policy is VOID! Big boys insure their cars properly. And people wonder why premiums are high?? Edited August 21, 2013 by shorty Quote Link to post Share on other sites
Driver Posted August 21, 2013 Share Posted August 21, 2013 Please can people stop trying to encorage "blagging" the insurance! If you have an accident your policy is VOID! Big boys insure their cars properly. And people wonder why premiums are high?? This You are a new driver, you'll struggle to get insurance with mods so just don't do it. We have all been there so just sit it out until the no claims allow. It does get better. For example, I'm insured an a K20 DC2 Integra now for less than 30% of my 1st year on a standard 1.2 Clio. Quote Link to post Share on other sites
TurboTobz Posted August 21, 2013 Share Posted August 21, 2013 Please can people stop trying to encorage "blagging" the insurance! If you have an accident your policy is VOID! Big boys insure their cars properly. And people wonder why premiums are high??Just to check that wasn't aimed my way was it? Everything I listed is legal, just wondering dude Quote Link to post Share on other sites
Starlet-Joshy Posted August 22, 2013 Author Share Posted August 22, 2013 Listing all the mods now on admiral, fully comp!., Hopefully get insured legit!! Quote Link to post Share on other sites
TurboTobz Posted August 22, 2013 Share Posted August 22, 2013 admiral/elephant/bell same company Quote Link to post Share on other sites
jimmymac101 Posted August 22, 2013 Share Posted August 22, 2013 Listing all the mods now on admiral, fully comp!., Hopefully get insured legit!! Computer says NO James Quote Link to post Share on other sites
Starlet-Joshy Posted August 22, 2013 Author Share Posted August 22, 2013 Computer says NOJames haha ;), Just rang up mate said i could get covered lol, pretty much same as what i was paying before lol, Ill buy the insurance in a bit lol Quote Link to post Share on other sites
jimmymac101 Posted August 22, 2013 Share Posted August 22, 2013 Buy it now before they change there minds !!! James Quote Link to post Share on other sites
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.