Thanks for your comments but you have contradicted yourself on the BHP increase:
"Whilst the online question set does ask almost all questions, things such as the original and new BHP cannot be entered online and the rate needs to be manually calculated in circumstances where BHP is increased, hence asking you to call in."
"Regarding the BHP increase, as we are a modified car specialist, our schemes are very flexible with modifications so the difference in BHP from 120 to 135BHP may still be in the same pricing bracket."
A few things to note:
a) my mileage went down from 8500 to 6000 - not up and i didnt get a quote for higher miles
if i took out the policy online and paid for it then i would have paid a lower premium - i do not remember any questions that had been left out online. If your online prices are a guide then why do you have the option to buy online? Would the policy then be void because a question had not been presented online for the customer to answer?
c) bhp increase - i had options from upto 10%, 25% and above 35% - as the bhp would only go up by 5 bhp i chose the lower amount but Toby insisted i go use the 25% option
d) i took of business mileage option off as i only drive to one place and not multiple but Toby advised that its only a few quid to have it on - really?
so judging by the above, i think i have been honest with my details and expected a lower quote.
All I will say is, thank goodness it was a freephone number that i rang as i would not have been happy if i had to pay for a call that lasted well over an hour.
insurance really is a hit and miss affair after reading the above comments
Flux advertise themselves as being a modifier friendly insurance company though....
Admiral dont but came out on top again. The woman i spoke to was from a Canadian call centre but was extremely polite and tried to do everything she could to get the best price for me - proper customer service was received, this is for the 3rd year running with them.
I did a few comparison quotes and AF came out top each time and I remembered that they offered a 15% discount so duly rang them up. Spoke to Melissa's who passed me onto Toby who then went through all the questions and an hour into the call came back with a quote that was 15% HIGHER than the online quotes!!!
I queried this with Toby and all he could say was:
the online system does not ask the same questions - bullpoo as it did
I have carried out 20 odd quotes and it takes the highest mileage I've input - bullpoo, I had decreased from 8500miles to 6000miles
I said there could be a remap to increase the mpg but figures would go from 115bhp to 120bhp - he said he'll put in upto 20% taking it to 135bhp as that didn't matter - bullpoo - it must have made a difference
so, after wasting my breath and feeling that AF are misquoting me and mis-selling the policy I decided to stick with my current insurer who said they are willing to take on any bhp increase, all my mods and lowering my suspension unto 50mm and even brought the price down from £328 to £264!!!
Dan@AdrianFlux - shame fella, I really thought you guys could have done me a good deal but I wasted over an hour talking to 3 reps.
all i will say is, if this is your 1st child then if you plan on having any more then get them done and out the way - your sleep pattern may return to normal after a few years so if you decide to wait your sleep pattern will only get disturbed again!
i'm still playing catch up on my sleep...my youngest is now 10!
Lol Lenny you always crack me up!
The strap is attached to the undertray...using a 12mm bolt that came with it. Dont know why i didnt use an m6 bolt and a washer come to think of it. Ih well its on now.
Headlights will be fitted soon. Its our Eid tomorrow (xmas) so will be busy all weekend
Will hope to git them during the week