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#123365 - 11/03/08 04:17 PM K&N Insurance question ...
Lisa Offline


Registered: 18/07/06
Posts: 1674
Loc: Leeds
Just want to know how much people are paying to have a K&N added onto their insurance?

I phoned up my insurers today who told me it would be and extra £89! I thought this sounded a bit steep so wondered what everyone else is paying.

I'm not really sure i trust the lad that i spoke to cos he asked me to tell him what it was and what it did!

(I'm 25, female, and insured with Direct Line)


Edited by Lisa (11/03/08 04:20 PM)
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#123366 - 11/03/08 04:27 PM Re: K&N Insurance question ... [Re: Lisa]
babyboom Offline


Registered: 06/06/06
Posts: 11557
Loc: somewhere in the world
Me 0£ cos insurance over here don't care as long as they don't know Is £89 for a year or per month?
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#123367 - 11/03/08 04:31 PM Re: K&N Insurance question ... [Re: babyboom]
Scotty Offline
Porsche 997 Turbo & ST150

Registered: 27/02/04
Posts: 18100
Loc: Nuneaton, Warwickshire
Quote:

Me 0£ cos insurance over here don't care as long as they don't know Is £89 for a year or per month?



Would be for the year.

Lisa... When i tried to insure my 18" BK 604 Alloys for my Focus when I was 18 my insurance company "budget" refused to do it. I cancelled my insurance and went with Norwich Union which covered them and actually cost me £100 cheaper than my other quote. Only cost £25 cancellation fee.

I'd just insure with someone else if you can't get things like this covered. It's hardly like adding a turbo and upping from 150bhp to 300bhp...
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#123368 - 11/03/08 05:23 PM Re: K&N Insurance question ... [Re: Scotty]
Fordie Offline
Fiesta Nutter

Registered: 15/07/05
Posts: 1403
Loc: Cumbria
i think admiral charge around £30 for each modification, up to a maximum of 6, however the modifications them,selves are not insured
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#123369 - 11/03/08 09:37 PM Re: K&N Insurance question ... [Re: Fordie]
Anthony1664 Offline
My real name is Dave

Registered: 27/04/06
Posts: 4703
Loc: Always on here these days !!!
Think mine went up £60 or £70 with direct line for having the K&N plus an exhaust mod with no more than 10% power increse NU who I was with before would not have any mods for me on the
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The Mk6 Fiesta st grew in size & became a Mk3 Mondeo st it now it's shrinking to a Mk3.5 Focus ST3


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#123370 - 11/03/08 09:42 PM Re: K&N Insurance question ... [Re: Anthony1664]
Kazuya Offline


Registered: 24/02/08
Posts: 134
insurance companys suck balls
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#123371 - 11/03/08 09:43 PM Re: K&N Insurance question ... [Re: Kazuya]
Anthony1664 Offline
My real name is Dave

Registered: 27/04/06
Posts: 4703
Loc: Always on here these days !!!
Quote:

insurance companys suck balls



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#123372 - 11/03/08 09:44 PM Re: K&N Insurance question ... [Re: Anthony1664]
babyboom Offline


Registered: 06/06/06
Posts: 11557
Loc: somewhere in the world
thats so true! but can't do without them sadly
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#123373 - 11/03/08 10:06 PM Re: K&N Insurance question ... [Re: babyboom]
Lisa Offline


Registered: 18/07/06
Posts: 1674
Loc: Leeds
Is a K&N really worth it?
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#123374 - 11/03/08 10:08 PM Re: K&N Insurance question ... [Re: Lisa]
babyboom Offline


Registered: 06/06/06
Posts: 11557
Loc: somewhere in the world
thats up to u really depending what ur after. its going to be more noisey when acceleration but u feel the car have better response trough revs and have a little BHP gain
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#123375 - 11/03/08 10:29 PM Re: K&N Insurance question ... [Re: Lisa]
Anthony1664 Offline
My real name is Dave

Registered: 27/04/06
Posts: 4703
Loc: Always on here these days !!!
I love the nosie it makes and it does pick up a little more with it on too & it certainly makes a bigger difftrence when it gets hotter as the air going into the engine is cold not heated up by the filter sitting on top of the engine like the factory system....but you have to deside is the insurance cost worth it
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#123376 - 12/03/08 01:57 AM Re: K&N Insurance question ... [Re: Anthony1664]
Scotty Offline
Porsche 997 Turbo & ST150

Registered: 27/02/04
Posts: 18100
Loc: Nuneaton, Warwickshire
Quote:

Think mine went up £60 or £70 with direct line for having the K&N plus an exhaust mod with no more than 10% power increse NU who I was with before would not have any mods for me on the



Thats a little suprising. They insured my 18" alloys for free... shows you that they change their mind like the wind blows.

I agree with you thought Dave... it totally depends if its worth the extra money?
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#123377 - 12/03/08 06:40 AM Re: K&N Insurance question ... [Re: Scotty]
ChrisCumbria Offline

Driving as Daily

Registered: 26/06/05
Posts: 23932
Loc: Whitehaven, Cumbria
It all just depends on who your insurer is, and what they're thinking at any gievn time. When I changed my exhaust - which wasn't an increase in power, just a different backbox - I had to pay another £30.
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#123378 - 12/03/08 12:05 PM Re: K&N Insurance question ... [Re: Lisa]
JJST Offline


Registered: 20/04/07
Posts: 4206
Quote:

Is a K&N really worth it?


I think the K&N is worth buying but if the insurance company is charging silly money, I wouldn't bother.
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#123379 - 12/03/08 01:13 PM Re: K&N Insurance question ... [Re: JJST]
SI_ST Offline
Fiesta Addict

Registered: 23/12/05
Posts: 835
Loc: Yorkshire
My insurance wanted 6.9% of the premium for no more than 10%hp (£45) and wanted to load my excess up to £600 from £400. I told them to bollocks.

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#123380 - 12/03/08 04:24 PM Re: K&N Insurance question ... [Re: SI_ST]
babyboom Offline


Registered: 06/06/06
Posts: 11557
Loc: somewhere in the world
Quote:

My insurance wanted 6.9% of the premium for no more than 10%hp (£45) and wanted to load my excess up to £600 from £400. I told them to bollocks.



don't see why they want to increase insurance so much for such a little mod
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#123381 - 12/03/08 04:27 PM Re: K&N Insurance question ... [Re: SI_ST]
Lisa Offline


Registered: 18/07/06
Posts: 1674
Loc: Leeds
Quote:

My insurance wanted 6.9% of the premium for no more than 10%hp (£45) and wanted to load my excess up to £600 from £400. I told them to bollocks.



Just worked it out that they want about 19% of my premium to add the k&n. I'll shall be telling them that unless they knock that figure down, or take it off all together i shall be cancelling my insurance. Only 3 months into it so it's not too bad.
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#123382 - 12/03/08 04:29 PM Re: K&N Insurance question ... [Re: Lisa]
rudest1970 Offline


Registered: 07/10/07
Posts: 2613
Loc: Essex
Thats just madness wot a rip OFF!
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#123383 - 12/03/08 04:43 PM Re: K&N Insurance question ... [Re: rudest1970]
HOWICK17 Offline
Fiesta Crazy

Registered: 15/08/07
Posts: 690
cost me £63 with elephant im 20
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#123384 - 12/03/08 04:49 PM Re: K&N Insurance question ... [Re: HOWICK17]
rudest1970 Offline


Registered: 07/10/07
Posts: 2613
Loc: Essex
Mine went up by £8 when i added my K&N,So not to bad.
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#123385 - 12/03/08 04:51 PM Re: K&N Insurance question ... [Re: rudest1970]
Lisa Offline


Registered: 18/07/06
Posts: 1674
Loc: Leeds
me thinks they are ripping the p*ss
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#123386 - 12/03/08 04:53 PM Re: K&N Insurance question ... [Re: rudest1970]
babyboom Offline


Registered: 06/06/06
Posts: 11557
Loc: somewhere in the world
Quote:

Mine went up by £8 when i added my K&N,So not to bad.


urs is well low compared to the other
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#123387 - 12/03/08 04:56 PM Re: K&N Insurance question ... [Re: babyboom]
rudest1970 Offline


Registered: 07/10/07
Posts: 2613
Loc: Essex
Yep sure is i said i would move my insurance to another company if they did not lower the cost which was £40 first time round, so it just goes to show that all they want to do is make even more money by adding silly charges to your premium.
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