Ford Fiesta ST
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#561611 - 19/03/17 02:42 PM 215 insurance
Robd Offline
Stranger

Registered: 17/03/17
Posts: 4
Hi guys, my first post and unfortunately I've had the wind knocked out my sails regards 215 insurance. I'm due to pick up a 1 year old ST3 in molten orange which I'm rather excited about but astonished that the only quote I could get so far is double the amount of a standard st. I'm a ripe old age of 52 and don't understand the problem. I even had 2 company's refuse me. What exactly am a meant to say to the insurance regards the upgrade? My understanding is it's an engine re map, pushing the bhp to 215, an air filter and air box. When they ask what the original bhp is they almost gasp and tell me that's quite an increase.

I fully understand this may have been discussed before but if any one could give me some up to date advice I would very much appreciate it.

Thanks Rob.

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#561613 - 19/03/17 04:07 PM Re: 215 insurance [Re: Robd]
YellowBadge Offline
MountooningTipster

Registered: 26/08/07
Posts: 11233
Loc: here
go with companies that specialize in modded cars, not everyday general companies.
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#561615 - 19/03/17 05:16 PM Re: 215 insurance [Re: Robd]
Robd Offline
Stranger

Registered: 17/03/17
Posts: 4
Thanks. Any suggestions people?


Edited by Robd (19/03/17 05:16 PM)

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#561618 - 19/03/17 09:23 PM Re: 215 insurance [Re: Robd]
YellowBadge Offline
MountooningTipster

Registered: 26/08/07
Posts: 11233
Loc: here
greenlight, Adrian Flux, Chris Knott

I'm with adrian flux am sure I can get it much cheaper elsewhere but been easy to deal with, mods and renewals and end of day it's the insurance tax that is now hammering us added by our government, think this year it peaks at it's highest percentage.
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#561619 - 19/03/17 09:55 PM Re: 215 insurance [Re: Robd]
Robd Offline
Stranger

Registered: 17/03/17
Posts: 4
A few insurance company's so far have asked me the modified bhp against the stock bhp. I've been saying 180 bhp in stock form and obviously 215 bhp after the mod to which they say ooooh that's a big percentage increase. I'm just wondering if the 180 stock figure is technically right due to this over boost thingy going on which I don't understand. I want to be legit so what exactly are the figures I should be saying?


Edited by Robd (19/03/17 09:56 PM)

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#561620 - 20/03/17 05:39 PM Re: 215 insurance [Re: Robd]
YellowBadge Offline
MountooningTipster

Registered: 26/08/07
Posts: 11233
Loc: here
its complicated and beyond me, relates to torque moreso than bhp allowing turbo short periods of extra boost, regardless the max bhp is 180 or 215 for these cars.
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#561631 - 24/03/17 12:12 PM Re: 215 insurance [Re: Robd]
banksy87 Offline
Site Supporter

Registered: 12/03/10
Posts: 769
Try Sky Car insurance. I am getting MP215 and cat back exhaust for under 450.

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#561633 - 24/03/17 09:19 PM Re: 215 insurance [Re: Robd]
kenny Offline



Registered: 08/03/08
Posts: 11556
Loc: essex
200bhp on over boost 215 kit shouldn't be that much extra on the insurance really

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#561944 - 03/06/17 11:53 AM Re: 215 insurance [Re: Robd]
Scotty Offline
Mk1 Focus & Clio

Registered: 27/02/04
Posts: 18060
Loc: Nuneaton, Warwickshire
When I had my 215 last year my insurance went from 400 to 500 a year. I insured with Esure who had the 215 on their system. The kit does push it up but it shouldn't be by how much you are quoting. That's pretty crazy!

Let us know how you got on.
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#561948 - 04/06/17 05:40 AM Re: 215 insurance [Re: Robd]
_Jimmy_ Offline
Site Supporter

Registered: 11/02/14
Posts: 1134
Loc: Northwest
If you insure it as an MP215 rather than as a modified ST it might not be as high? I believe the ABI code for an MP215 ST-3 is 18503399

And yes, it's an increase from 200bhp to 215PS (212bhp), so about 12 horsepower not 35. That's 6% versus 19% increase so could be part of the reason.
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2005 Fiesta ST 182bhp
Milltek non-res, Newman fast road cams, JamSport map

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#561951 - 04/06/17 10:44 AM Re: 215 insurance [Re: _Jimmy_]
Scotty Offline
Mk1 Focus & Clio

Registered: 27/02/04
Posts: 18060
Loc: Nuneaton, Warwickshire
Originally Posted By: _Jimmy_
If you insure it as an MP215 rather than as a modified ST it might not be as high? I believe the ABI code for an MP215 ST-3 is 18503399

And yes, it's an increase from 200bhp to 215PS (212bhp), so about 12 horsepower not 35. That's 6% versus 19% increase so could be part of the reason.


Definitely a very good point. My insurance ask for %increases rather than anything else if they cannot find the code.
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#561965 - 11/06/17 12:11 AM Re: 215 insurance [Re: Scotty]
Dan@Flux Offline
Adrian Flux Staff

Registered: 04/04/14
Posts: 34
Hi,
If anyone needs any help with insurance at all then please feel free ti drop me a line.
Regards,
Dan.


Edited by Dan@Flux (11/06/17 12:14 AM)

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#561967 - 11/06/17 07:54 PM Re: 215 insurance [Re: Robd]
YellowBadge Offline
MountooningTipster

Registered: 26/08/07
Posts: 11233
Loc: here
we all do, 700 renewal with you guys, all down the gov tax !!! End of day drivers will just cease with the cars we want and just get runarounds and then everyone will lose business wise wise, am not age 21 !
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