anyone else on here with this company as thats who i am with,i phoned them to tell them i fitted an after market air filter and the Asian guy on the end of the line never had a clue what 1 was,so leaves me on hold while he checks his manual i expect,comes back about 20 mins later and says they wont cover me anyone here with (More Than) and do you have a number for local support agents? also what do you say when declaring you have an induction kit fitted as he wanted to know if it was british standard or something i am more than confused here

I worked in insurance for years and I know for a fact that 99% of the time ANY modification to a vehicle (normally to increase performance, but some companies are bothered about wheels and bodywork too) will void your insurance unless declared.

Most of the time if you do declare it they will decline you or in some cases whack a hefty weighting on the policy and increase the premium. Then when it comes round to renewal, they'll say they can no longer offer you insurance, which then goes down as a refusal to insure, which CAN (with some companies like CIS) make it more difficult to get insurance elsewhere.

they wont cover me with the air filter modified,bugger

its the same over u not aloud to do mod on ur car but insurance usually pay for it but only pay for the price of the standard part! which usally cost more than the mods anyway! as for engine Ur not aloud to touch the engine even a induction kit but do some mods anyway!

ringing around insurance just now we will see???

wooohoo HIC is going to insure my car for £549 with free breakdown cover and modifications,a tenner less than who i am with just now...

thats a good news then!

You have to be careful who the insurance is being underwritten by. HIC is a broker and could choose crap underwriters such as highway who never pay out. People with modified cars also try liverpool victoria which is underwritten by themselves I think. I prefer RBS backed insurance such as Direct line, Priviledge, Tesco, Virgin etc. I've been thinking of adding a flexi pipe and K&N but it seems to get the insurance's back up.