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Bugsy_malone 666
Jedi Master
Joined: 19 Mar 2008
Posts: 394
Location: Near the Hells mouth known as Basingstoke
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 Posted: Fri Jun 18, 2010 12:37 pm Post subject: One of those insurance questions...? |
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Ok so my van has come up for insurance renewal and I have decided I should try shopping around a bit, but not sure where is best to start.
I have a TD golf powered 72 baywindow van and currently I insure with HIC.
HIC insure my van as a golf CL 1.6td then change the title to 'baywindow camper' which I am sure is fine but my premium went up from about £117 to more like £245 and I dont think the TD engine should really make that much difference as 20bhp extra isnt that much, but its because its being technically insured as a golf.
So who do you insure with? whats your vehicle and how much do you roughly pay?
I just think for the amount I use my van so far its not paying for its self and just more expensive to run than when it was a petrol A/C motor because of the conversion cost and the increased insurance.
I'm sure someone else is probably cheaper, as my new golf was about half price else where compared with HIC!
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ElusiveStranger
Darth Admin
Joined: 23 May 2006
Posts: 2527
Location: Mudway, Kent
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| Posted: Fri Jun 18, 2010 6:16 pm Post subject: |
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Ummmm I got told that if you bung in a VW engine they insure you as a "modified VW engine"
Scoobies etc are a different kettle of fish, that's when they insure you as a Scooby (or whatever) then apply a discount as it's in a 'classic'
I'm with HIC, try Jardine Faber
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The advice you receive on here is worth the paper it's written on.
Your experiences are worth shed loads to others, including the f'ups - live and learn.
Wouldn't YOU rather learn by someone else's mistakes? So would they.
'78 Bay, 2 litre 091 box, EJ20 NA & the ashtray's on the 'right' side.
I don't lean forward for hills any more 
Bugger, missed out on "Live fast, die young" |
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Bugsy_malone 666
Jedi Master
Joined: 19 Mar 2008
Posts: 394
Location: Near the Hells mouth known as Basingstoke
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| Posted: Fri Jun 18, 2010 6:29 pm Post subject: |
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being as its a VW engine and only 20bhp more than original I would have expected to just pay a bit extra as a performance increase rather than different vehicle type.
I may have to have a chat with them!
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Doing Thing Differently. |
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ruby bay
Jedi Knight
Joined: 15 May 2008
Posts: 144
Location: WEDNESBURY
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| Posted: Fri Jun 18, 2010 9:40 pm Post subject: |
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| check the sticky up top, i used peter best, not the cheapest but includes full recovery(within the hour) and helpful too. this was for an 80hp hike. |
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ElusiveStranger
Darth Admin
Joined: 23 May 2006
Posts: 2527
Location: Mudway, Kent
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| Posted: Sat Jun 19, 2010 1:51 am Post subject: |
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| ruby bay wrote: | | check the sticky up top, i used peter best, not the cheapest but includes full recovery(within the hour) and helpful too. this was for an 80hp hike. |
Oooh feck, forgot about that sticky 
_________________
The advice you receive on here is worth the paper it's written on.
Your experiences are worth shed loads to others, including the f'ups - live and learn.
Wouldn't YOU rather learn by someone else's mistakes? So would they.
'78 Bay, 2 litre 091 box, EJ20 NA & the ashtray's on the 'right' side.
I don't lean forward for hills any more
Bugger, missed out on "Live fast, die young" |
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illzlee
Jedi Master
Joined: 07 Jul 2006
Posts: 282
Location: Derby, youth.
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| Posted: Sat Jun 19, 2010 9:16 pm Post subject: |
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my bay has a pug td, and my renewal has just cost 200 quid - quite pleased as the renewal actually went down by 30 pound since last year! adrian flux btw
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'79 Bay running citroen 1.9td and phat tyres! |
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chapp1123
Force Sensitive
Joined: 10 Jun 2010
Posts: 12
Location: Stonehaven
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| Posted: Sat Jun 19, 2010 9:40 pm Post subject: |
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Our van is insured with Adrian flux this year because they were the cheapest and one of the few available to insure younger people! Might try other companys once were both over 19.
Only about £600  for me and misses on a 72 bay and 1.9TD from a golf CL like yours was.
So about £200 isnt all that bad
the quote we got for the original 1.6 petrol engine was pretty similar to the one with the new engine, think they just add a percentage for the modification. TBH didnt ask too many questions because it was £1000 odd last year... |
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B4Tfink
Jedi Knight
Joined: 27 Jul 2008
Posts: 125
Location: `ampshire
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| Posted: Sun Jun 20, 2010 6:31 am Post subject: |
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confused me this year my t25 scooby with gynwoods £250 fully comp etc... my t25 std engine petrol 1.9dg with hic £250 same cover.. both 6k limited miles and classic policys.. adding the missus made them both cheaper (they dont know my missus  )
http://www.vwkd.co.uk/bb/viewtopic.php?t=3269&highlight=insurance+madness
way better than the £1000+ premium i payed when i was 18 ..id payit this year if i could rewind my internal clock to 18
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1988 T25 EJ25 n/a.. it just makes more sense that way.. |
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13 window deluxe
Jedi Guardian
Joined: 22 Dec 2006
Posts: 861
Location: chesterfield derbyshire
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| Posted: Sun Jun 20, 2010 9:04 pm Post subject: |
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hic have tried ripping me of twice they give you there best quote at £??? then you ring round find the same cover at say £50 cheaper ring them back they match it straight away if they could do it at that why didnt they do it in the first place? they've done it twice once with my mk2 gti (modified tdi motor fitted) and last year with my almost stock 2.5tdi t4 velle to the tune of £150 
i'm with footman james with all my motors and i asked them how they worked out the price for the split insurance and they take the price of a stock van and times it by the percentage of the power upgrade. i.e. stock 1500 split 45bhp/ 1900tdi split 90bhp=double original power double stock insurance premium. still worked out at less that £200 for year unlimited mileage, fully comp etc
_________________
1964 rat 13 window deluxe 1Z tdi,
1975 rhd twin slider tintop (TBA)
1991 golf 2 gti with tweaked AHU tdi,
previous tdi swaps: gone but not forgotten
1979 rhd twin slider tintop bay ahu 1.9tdi
1990 T25 1Z 1.9tdi
1993 suzuki samurai with 1Z 1.9tdi |
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Bugsy_malone 666
Jedi Master
Joined: 19 Mar 2008
Posts: 394
Location: Near the Hells mouth known as Basingstoke
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| Posted: Wed Jun 23, 2010 12:41 pm Post subject: |
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| 13 window deluxe wrote: | hic have tried ripping me of twice they give you there best quote at £??? then you ring round find the same cover at say £50 cheaper ring them back they match it straight away if they could do it at that why didnt they do it in the first place? they've done it twice once with my mk2 gti (modified tdi motor fitted) and last year with my almost stock 2.5tdi t4 velle to the tune of £150
i'm with footman james with all my motors and i asked them how they worked out the price for the split insurance and they take the price of a stock van and times it by the percentage of the power upgrade. i.e. stock 1500 split 45bhp/ 1900tdi split 90bhp=double original power double stock insurance premium. still worked out at less that £200 for year unlimited mileage, fully comp etc |
Well I have had a chat with them now so I am going to have a shop round, they insure my van based on the insurance grouping the vehicle the engine came from was, in this case a golf CL 1.6TD - group 17! and I was thinking thats a bit high, so then i asked to see if a T25 1.6TD was any different, apparently not. To start with they said they couldnt change the vehicle until I pointed out the engines are exactly the same (in girl at an insurance company whos clueless terms) and then she was magically able to check when i said its ok i'll fit the van engine tomorrow then  however T25 still seemed to be the same price! at least that cleared that up!
The first time I insured it with the N/A diesel I had they just insured it as normal and changed the fuel type! (same bhp) with the new TD its probably about 18bhp more than 'stock' (think its a 68bhp td) so I though it should be insured likewise!
Now to start ringing round!
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Second Gear All The Way Baby!
Doing Thing Differently. |
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72panelvan
Jedi Master
Joined: 17 May 2006
Posts: 297
Location: Dorset/Bristol
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| Posted: Thu Jun 24, 2010 11:33 am Post subject: |
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| chapp1123 wrote: | Our van is insured with Adrian flux this year because they were the cheapest and one of the few available to insure younger people! Might try other companys once were both over 19.
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Same for me, they were the cheapest, but also a few of the other highly recommended places weren't interested till I turned 25.
pretty sure i got club discount for name dropping vwkd? |
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13 window deluxe
Jedi Guardian
Joined: 22 Dec 2006
Posts: 861
Location: chesterfield derbyshire
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| Posted: Sat Jun 26, 2010 11:02 pm Post subject: |
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| Bugsy_malone 666 wrote: | | 13 window deluxe wrote: | hic have tried ripping me of twice they give you there best quote at £??? then you ring round find the same cover at say £50 cheaper ring them back they match it straight away if they could do it at that why didnt they do it in the first place? they've done it twice once with my mk2 gti (modified tdi motor fitted) and last year with my almost stock 2.5tdi t4 velle to the tune of £150
i'm with footman james with all my motors and i asked them how they worked out the price for the split insurance and they take the price of a stock van and times it by the percentage of the power upgrade. i.e. stock 1500 split 45bhp/ 1900tdi split 90bhp=double original power double stock insurance premium. still worked out at less that £200 for year unlimited mileage, fully comp etc |
Well I have had a chat with them now so I am going to have a shop round, they insure my van based on the insurance grouping the vehicle the engine came from was, in this case a golf CL 1.6TD - group 17! and I was thinking thats a bit high, so then i asked to see if a T25 1.6TD was any different, apparently not. To start with they said they couldnt change the vehicle until I pointed out the engines are exactly the same (in girl at an insurance company whos clueless terms) and then she was magically able to check when i said its ok i'll fit the van engine tomorrow then however T25 still seemed to be the same price! at least that cleared that up!
The first time I insured it with the N/A diesel I had they just insured it as normal and changed the fuel type! (same bhp) with the new TD its probably about 18bhp more than 'stock' (think its a 68bhp td) so I though it should be insured likewise!
Now to start ringing round! |
mk2 golf 1.6td group17? think someones pulling your chain dude, the 140bhp 16v gti is only group 16
_________________
1964 rat 13 window deluxe 1Z tdi,
1975 rhd twin slider tintop (TBA)
1991 golf 2 gti with tweaked AHU tdi,
previous tdi swaps: gone but not forgotten
1979 rhd twin slider tintop bay ahu 1.9tdi
1990 T25 1Z 1.9tdi
1993 suzuki samurai with 1Z 1.9tdi |
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