Citroen C1, Peugeot 107, 108 & Toyota Aygo Owners Club. (Discount code for CityBugStore: C1OC)

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PostPosted: Mon Jul 13, 2015 7:55 am 
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Joined: Thu Jul 02, 2015 10:06 pm
Posts: 75
Drives: 2015 Renault Twingo
I've been enjoying reading about Wee Mac's bug and seeing how much modding has been done. But all those mods must surely increase insurance premiums. I've not undertaken many mods - LPG conversion, hard-wired dashcams, unintentional debrand (shattered rear windows) - but none of them affects my insurance.

So I was wondering, how much do we pay for our insurance? And who are we with?

Direct Line is my insurer, and this year I paid £186 for fully comprehensive, with legal cover, courtesy car, and protected no-claims discount. Also got a £50 cashback, so just £136. Also includes named second driver.


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PostPosted: Mon Jul 13, 2015 8:24 am 
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Joined: Sun Apr 08, 2012 9:37 pm
Posts: 2374
Location: Jersey
Drives: 2007/57 Smart Fortwo
Mine was £254 fully comp from May 2014 to May 2015 that was with two years no claims bonus. However I had a collision with a pillar in Feb 2015 and claimed on the insurance and my insurance renewal from May 2015 to May 2016 went up to £400.

So I switched insurers and paid £301.92 fully comp but then I sold my bug and bought a Smart car and my insurers charged me an extra £42.33 for the pleasure of doing so.

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2007 Smart Fortwo Passion Coupe C451 Turbo 999cc 84bhp
Electric Windows
Air Conditioning
Smart Radio 9
Panoramic Sunroof
Luggage Compartment Cover
Softouch Automatic Gear Programme
Bodypanels & Tridion Cell in Silver Metallic
15" Alloy Wheels


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PostPosted: Mon Jul 13, 2015 8:36 am 
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Joined: Fri Jun 28, 2013 8:47 pm
Posts: 759
Location: Kingsteignton
Drives: 2009 Corsa SRI 1.6T
Somewhere in the region of £380, fully comp, age 21. No mods.

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PostPosted: Mon Jul 13, 2015 10:02 am 
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Joined: Mon Oct 17, 2011 7:57 pm
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Drives: Peugeot 107 2tronic
Interesting that you are insured by Direct Line. Unless recently they have changed their policy about NOT insuring modified cars I would have thought you would have a problem with your LPG conversion. I have in the recent past tried to get a quote from them but I have been declined because of my LPG conversion. You might want to check with them that you would still be insured should the worst happen.


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PostPosted: Mon Jul 13, 2015 10:42 am 
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Joined: Mon May 17, 2010 10:33 pm
Posts: 15585
Location: Wiltshire
Drives: Ice cream van
I'm with direct line 250 a year, window tints, alloys, spoiler and zorst I'm 25

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PostPosted: Mon Jul 13, 2015 11:15 am 
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Joined: Fri Apr 26, 2013 4:22 pm
Posts: 165
Location: Burnham Bucks
Drives: C1 VTR+
£175 fully comp with more than. Age 65, and a named driver. No mods - 2013 VTR+

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PostPosted: Mon Jul 13, 2015 11:46 am 
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Joined: Sat Mar 28, 2015 3:25 pm
Posts: 236
Location: Aberdeen...
Drives: 107 Urban '09
Aviva, £320 fully comp with two years no claim (which made no difference to my premium, but it's nice to have, right?). I'm 20.

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PostPosted: Mon Jul 13, 2015 11:51 am 
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Joined: Thu Jul 02, 2015 10:06 pm
Posts: 75
Drives: 2015 Renault Twingo
jiggerbug wrote:
Interesting that you are insured by Direct Line. Unless recently they have changed their policy about NOT insuring modified cars I would have thought you would have a problem with your LPG conversion. I have in the recent past tried to get a quote from them but I have been declined because of my LPG conversion. You might want to check with them that you would still be insured should the worst happen.


My LPG was done by a registered installer, and so is listed on the UKLPG register. I take out insurance on-line (to claim cashback) then once my documents have arrived I give them a call, explain about the conversion, and that's it. No change in premiums, amended documents, all fine!

It's only Direct Line and Churchill that I have to call after arranging insurance. Other companies allow you to enter the modification during the application process. I think it's listed under Engine Modifications.

Direct Line tells me that tinted windows may cause an increase, depending on how dark they are.


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PostPosted: Mon Jul 13, 2015 12:19 pm 
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Joined: Mon Oct 17, 2011 7:57 pm
Posts: 77
Drives: Peugeot 107 2tronic
Thanks for that I may try that next year, at least I'll get a quote!


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PostPosted: Mon Jul 13, 2015 6:36 pm 
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Joined: Thu Jul 26, 2012 12:55 am
Posts: 1606
Location: S East
Drives: was VTR 2009
Marks & Sparks, about £150 I think. Age 40-something, 25k / yr mileage, no mods.


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