Insurance For Is200 With Styling Kit

[Gareth Rose]

Hi guys,

Due to be buying a IS200 Sport with the styling kit, and was wondering a few things about the insurance.

First of all how much would I be looking at to insure it.

Im 21 (22 a month after I get the car), with just over 4 yrs NCB, 3 of which are those named drivers NCB with Direct line, so I have to stay with them really.

Secondly, because im with direct line, Im a bit worried about the styling kit, because they wont insure modified cars for under 25s. So is the styling kit classed as a mod, or just as a factory option?

Cheers guys and I hope you bring good news.

Gazza

[spikes]

factory option if fitted from new.as for insurance you need to shop around for the best quote. good luck :D

[Gareth Rose]

For a 21 yr old, with 4 yrs NCB, Directline have quoted 650. And my policy runs out in November, so Id only have to shell out to cover it for the next 6 months (im having the car late May early June).

The car Im having had it fitted from new. Do you think they would class it as a mod, or just as a specification, because on Parkers website, they've got it listed as a seperate specification, but that might just be to take in account for the buying/selling price difference.

Really hope this isnt gonna all go tits up,lol, really fallen for the car, and already done the deal, was just thinking about it last night and got worrried.

Cheers

Gazza

[spikes]

should'nt have a problem if factory fitted,but may charge a little extra.

then get other quote in november :)

[si's_lex]

cant you just say it was factory fitted?

[Adie]

cant you just say it was factory fitted?

I agree. How are you to know it can be a mod if you buy it factory fitted??

[swfcdan]

well im 21, but was 19 when i got my car, im with tesco and now have 4 years no claims.

im paying about £700 this year.

[Continunity]

im 21

no NCD

£808

Compleatly mod free, my ins wanted to charge me another £50 for an aftermarket body kit

[Parthiban]

I had the styling kit fitted to my car a few months ago, and it costs me an extra £30 on my policy with Admiral. I'm 24 with 1 yrs no claims, so should be the same if not less for you.

I was with Directline about a year ago, and they had no problem with modifications - have they changed their policy?

Only other thing is that the styling kit was never a factory fitted option, it was fitted after the car arrives in the UK - however I see no reason why that should make any difference, it should still be classed as the original spec of the car.

[spikes]

for the sake of an extra £30 your fully covered with your kit so no trouble if you need to claim :)

[sercombe]

anything under £1k is good for a young driver id say. Im age 20 (21 in 2 months) with 1 years no claims. Silly me wanted a Mazda RX8 so had to go with a small specialist insurance company for young drivers with fast cars paying £3500 for the year. 7 Weeks later got rid of the car to cut my debts and got a lexus again (high milage) to find that my insurance company would only refund me £1k so I was forced to stick with them as £2k for 7 weeks insurance is a stinger. They then said they would give me £60 back to insure the lexus. The lexus being valued at £4500 on a W reg (group insurance 12/13) against the RX8 worth £12k (group 16/17)... What a joke!!!!

Well ive had to cut my losses and cant wait to move away from this insurance company. Another reason for my insurance to be steep is because I wrote my V Reg lexus off last year into a brick wall caused 10k damage so as you can imagine im high risk. Having said that... direct line quote me £1500 with the crash.

My previous insurance policy i crashed on cost me £1150 for the year which was good.

[Gord]

When i got my car new with styling kit, never charged me any extra, as factory fitted :D

Parkers is only for the price, as one's with kit are more than standard :o

[Gareth Rose]

So should I declare the kit or not, or just say the reg number of the car, and leave it at that?

Or should I say 'plus factory option styling kit'.

Thanks for all the replies guys

Gazza