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Sep 12

Posts: 2

rtho782 says:

Getting absolutely butchered on insurance :(

I'm 29 and now have a years NCD, passed my test back in May 2011.

I've got 3 points for speeding in Jan 2011, and unfortunately have three accicents in the last 5 years, Sept 09 in a car, Nov 10 in a car, and Aug 11 on a bike.

So, I expect my insurance to be relatively high. Last year, I paid £950 on my XJ6-F with Aviva. With a years NCD, my renewal quote is £850. Seems a bit of a pathetic drop, so I thought I'd shop around.

However, it seems other insurers class everything from an end can to a dead fly on the windscreen as a mod.

If I quote with no mods, I get £533. Not bad. If I add the end can, the insurance goes to £1452.

Can it seriously be said that adding a can makes me nearly 3x more likely to have an accident!?

God forbid I admit that I have frame sliders and heated grips as well, oh, and luggage. Apparently even a tank pad or a sticker is a mod.

Completely insane. I guess I should take the can off but I just don't understand how it can be justified.

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  • Posted 2 years ago (02 October 2012 12:05)

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Sep 07

Posts: 2812

James600zx says:


Comparison websites are useless for anyone with "complications" like you. Some of them even struggle to distinguish between serious modifications and inconsequential ones like tank pads.

You need to phone around for real quotes.

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Apr 08

Posts: 3042

AdieR says:

You say

3 accidents - were they your fault, or someone else's?

Are you getting quotes 3rd party / TPFT / Fully comp?

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Sep 12

Posts: 124

Rotop says:


I've had 2 accidents that were the 3rd parties fault but it did make my insurance go up by a smidgen.

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