I was told about 2 years ago by RAC that they could no longer insure me....
They had insured me before with the exhaust and suspension only for the last 4 or 5 years.

As soon as I went and changed the TMIC, Turbo and tuned it they asked me for the figures. I gave them to her, she spoke to their underwriters etc, and they didnt want to know about it (possibly to do with the fact i was 22 at the time).

So after 5 years of RAC insurance, I moved to Shannon's, read them my shopping list, and they insured it for WAY more than RAC ever could. Premium was fairly similar, but with lots of extras

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I tried telling them my mods list after a year of owning my GX (no performance, only noisy exhaust, WRX brakes, stock height upgraded suspension, cosmetics) and got a "Sorry, you've got a week to find alternative cover, mods value exceeds cars value" (17 at the time). Tried to get 3rd party, fire & theft earlier this year after the STI swap and got "Too young + too powerful, sorry".

I'm sure they're fine with a few things, but just be careful when you move away from the usual rims + exhaust + stereo (especially if you're younger!)

Young high powered car insurance are almost mutually exclusive.

Twin cam 2l modded Escort and comprehensive insurance was $800 a year when I was 18. That was in 1987

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[COLOR=Black]Liberty GT Spec B tuned 240 HP & 372 Nm at the hubs.[/COLOR] "Instead of banning high performance cars - ban low performance drivers"

Recently had to deal with RAC and my mods. Felt better them knowing everything about my car than risking a failed claim due to unknown mods.

I told them everything I've done so far, 3" TBE, BOV, short shift, Hellas, tune. After 30 mins on the phone with them back and forth to their underwriters and asking for HP gains and such, they said they appreciated my honesty and will insure but said if I do much more then it will most likely cross their line and become too modified to insure.

So until I add few numbers to my age to insure elsewhere, looks like I'm stopping for a while in terms of performance mods.

They were nice enough to deal with and best thing was they didn't increase my premium

Did you just say exhaust system or specify Turbo back exhaust? just wondering

Also did you have to list exact brands, like whiteline sways / eibach springs...or just sway bars and springs...
I just said sway bars and springs, I wonder if I should ring them and update with brand/model just in case of a claim they apply the right value

I don't think they will bat an eyelid at a 250-300hp WRX driven by a mature aged driver. They'll always consider it on a case by case basis when they put you on hold and talk to their underwriters.

Also, they will probably have the factory power rating in front of them. Say for example you were to insure a MY09+ with them, their info probably shows a power rating of 192kw (iirc). If you tell them your car has 200kw after an exhaust and tune they're not going to know that measurement is at the hubs/wheels as opposed to the crank.

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[I]trolololol[/I]

Forgot to add that I am over 30 years old so they had no problem with it and been a customer for over 6 years with rac with no claims when mods were put on insurance policy

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race tape y pipe running .05 bar till spares turn up.

Old too!

I work for them, although in IT I have my insurance contacts. (Investigators & Underwriting Supervisors)

My car & all my modifications are covered. I'm currently at the maximum insured amount possible on my make & model.

Every modification on my car is listed on my policy & they are perfectly fine with it for long as they are legal & they know about it.

Where things begin to be a problem is when you upgrade the Turbo.

I have been flatly told that as soon as I upgrade my Turbo, I will need to provide HP/KW figures & I would be immediately told to look else where.

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Having a modern day PC without an SSD is like hiring a hooker for hugs.......

$700 for a bloody 24 year old! You sir, suck!