What insurer will 'touch' my 3.2 engined E30 M3?
Moderator: martauto
Yes,
After nearly 5 years of what is now toe-raggery and round-the-houses-ness of near-legend surrounding my 3.2 S50 converted E30 M3 project, as it nears completion up at Zoom, here's me trying to find an insurer to insure the beast and (so don't suggest i use them please) Carole Nash for example won't 'touch it' becuase its 'Too Modified' - the conversation went something like this (I suggest you all push your tounges firmly into your bottom lips everyone in readiness for this one!):
ME; "So its an E30 M3 with the 3.2/6-speed drivetrain from a '97 M3 in it - innit! (I added the extra 'innit' here purely for editorial nuance)"
THEM: "You didnt just transplant the engine into it and that's all did you?'
ME: "No of course not, we've sensibly upgraded the brakes and suspension, wheels and tyres etc to match the drivetrain"
THEM: "Of Course, that's very sensible, it wouldn't really be safe with just the drivetrain changed"
[move on 4 hours later]
ME: "So what's the story morning glory?"
THEM: "The underwriters won't touch it because it's too modified - but if you'd just changed the engine and gearbox they would have insured it"
...is it me or is that just nuts?
So - can anyone like Ian (with the 3.2 engined E30) or anyone else with a seriously modded car recommend anyone and tell me who THEY use please? (other than Adrian Flux as they are the only firm I currently have on my list to try tomorrow)
Cheers all
///MFree
			
													After nearly 5 years of what is now toe-raggery and round-the-houses-ness of near-legend surrounding my 3.2 S50 converted E30 M3 project, as it nears completion up at Zoom, here's me trying to find an insurer to insure the beast and (so don't suggest i use them please) Carole Nash for example won't 'touch it' becuase its 'Too Modified' - the conversation went something like this (I suggest you all push your tounges firmly into your bottom lips everyone in readiness for this one!):
ME; "So its an E30 M3 with the 3.2/6-speed drivetrain from a '97 M3 in it - innit! (I added the extra 'innit' here purely for editorial nuance)"
THEM: "You didnt just transplant the engine into it and that's all did you?'
ME: "No of course not, we've sensibly upgraded the brakes and suspension, wheels and tyres etc to match the drivetrain"
THEM: "Of Course, that's very sensible, it wouldn't really be safe with just the drivetrain changed"
[move on 4 hours later]
ME: "So what's the story morning glory?"
THEM: "The underwriters won't touch it because it's too modified - but if you'd just changed the engine and gearbox they would have insured it"
...is it me or is that just nuts?
So - can anyone like Ian (with the 3.2 engined E30) or anyone else with a seriously modded car recommend anyone and tell me who THEY use please? (other than Adrian Flux as they are the only firm I currently have on my list to try tomorrow)
Cheers all
///MFree
					Last edited by MFree on Mon Feb 28, 2005 7:27 pm, edited 2 times in total.
									
			
									
						Jhonno - great, thanks, but can I have a telephone number please? And what car do you insure with them so I know what to say when they say 'why did you come to us?'
Also please don't say AON to me anyone as they too say they do not insure 3 or 5 series BMW's under their classic or modified car policy's, only in their normal everyday policy department which is just like going to anyone else like Tesco apparantly...
			
									
									
						Also please don't say AON to me anyone as they too say they do not insure 3 or 5 series BMW's under their classic or modified car policy's, only in their normal everyday policy department which is just like going to anyone else like Tesco apparantly...
- 
				glenn
 - Engine Transplant Services

 - Posts: 2198
 - Joined: Sat Jan 29, 2005 11:00 pm
 - Location: blackwood, south wales
 
my last highly modified car was an escort mk4.
i converted it to rear wheel drive using all sierra cosworth running gear.
changed inner bay's, engine, box, front and rear suspension, put a rs turbo body kit on it, i told adrian flux(08700 714714) of all the changes,
my quote worked out the same as the sierra cosworth before i cut it up.
have already had a quote of them for my e39 m5 powered e30
 
  
			
									
									
						i converted it to rear wheel drive using all sierra cosworth running gear.
changed inner bay's, engine, box, front and rear suspension, put a rs turbo body kit on it, i told adrian flux(08700 714714) of all the changes,
my quote worked out the same as the sierra cosworth before i cut it up.
have already had a quote of them for my e39 m5 powered e30
You said "Adrian Flux"
I said in my initial post
So other than the two FluxԚ´s any OTHER suggestions?
			
									
									
						I said in my initial post
I know i wrote ÃÂaan Flux not Adrian, Ian Flux being a pretty average racing driver of his time, not an insurer, but still I would have thought youԚ´d have known who i meant!!!can anyone like Ian (with the 3.2 engined E30) or anyone else with a seriously modded car recommend anyone and tell me who THEY use please? (other than Adrian Flux as they are the only firm I currently have on my list to try tomorrow)
So other than the two FluxԚ´s any OTHER suggestions?
- 
				Turbo-Brown
 - Boost Junkie
 - Posts: 4705
 - Joined: Tue Feb 15, 2005 11:00 pm
 - Location: Aldershot, Hants
 - Contact:
 
Green light insurance (search google) insure modded cars 
I asked Adrian flux about the insurance for my modded car in the making (a 1972 GT6 with '98 M3 Evo engine, box, programmable ECU, bespoke chassis, widened bodywork etc. etc.) and they came up with about Ԛ£900 on limited mileage. Not bad I thought considering I'm less than 25 years old
			
									
									
						I asked Adrian flux about the insurance for my modded car in the making (a 1972 GT6 with '98 M3 Evo engine, box, programmable ECU, bespoke chassis, widened bodywork etc. etc.) and they came up with about Ԛ£900 on limited mileage. Not bad I thought considering I'm less than 25 years old
have you tried tescos? - they do car insurance now.... 
 
hic - hearts insurance consultants - 08451 290 290
also try wading through these numbers
paul
			
									
									hic - hearts insurance consultants - 08451 290 290
also try wading through these numbers
paul
i saw a doctor and she gave me some pills....

						
- 
				Andy335Touring
 - Married to the E30 Zone

 - Posts: 7144
 - Joined: Sun Jan 09, 2005 11:00 pm
 - Location: Long Eaton,Nottingham
 - Contact:
 
Anouther HIC user here for my 335 with a modified M30 transplant
			
									
									
						- 
				ian332isport
 - E30 Zone Team Member

 - Posts: 5380
 - Joined: Wed Dec 22, 2004 11:00 pm
 - Location: West Sussex
 - Contact:
 
I know you are looking for others, but I'm with Adrian Flux. I think HIC (details above) are the only other brokers who would quote, but they wanted more than Flux.
The only problem with Flux is their installment plan. It's blinking expensive. I just did my own installment plan on my Capitol One credit card. They only charge 6 or 7% interest, so I paid the full amount to Flux, and just setup a monthly standing order to the credit card. Cheap as chips
 
From memory, I paid around Ԛ£700 full comp with protected (full) no claims. I was 36 at the time, and the car is garaged.
The policy is with NIG if that helps you track down a good quote.
Ian.
			
									
									The only problem with Flux is their installment plan. It's blinking expensive. I just did my own installment plan on my Capitol One credit card. They only charge 6 or 7% interest, so I paid the full amount to Flux, and just setup a monthly standing order to the credit card. Cheap as chips
From memory, I paid around Ԛ£700 full comp with protected (full) no claims. I was 36 at the time, and the car is garaged.
The policy is with NIG if that helps you track down a good quote.
Ian.
If it aint broke - Modify it...
						looks like its Flux or bust then!
Im 33 and have 50% NCB so I should be alright. Insured value i rekon about 10 to 12k.
I will call em tomorrow. Ian, can i use you as a reference when they say Ԛ´whassa then?Ԛ´
if so, iԚ´d just say Ԛ´the only 3.2 engined E30 you have insuredԚ´right ?
Kool
Cheers
MFree
			
									
									
						Im 33 and have 50% NCB so I should be alright. Insured value i rekon about 10 to 12k.
I will call em tomorrow. Ian, can i use you as a reference when they say Ԛ´whassa then?Ԛ´
if so, iԚ´d just say Ԛ´the only 3.2 engined E30 you have insuredԚ´right ?
Kool
Cheers
MFree
- 
				ian332isport
 - E30 Zone Team Member

 - Posts: 5380
 - Joined: Wed Dec 22, 2004 11:00 pm
 - Location: West Sussex
 - Contact:
 
Feel freeMFree wrote:looks like its Flux or bust then!
Im 33 and have 50% NCB so I should be alright. Insured value i rekon about 10 to 12k.
I will call em tomorrow. Ian, can i use you as a reference when they say Ԛ´whassa then?Ԛ´
if so, iԚ´d just say Ԛ´the only 3.2 engined E30 you have insuredԚ´right ?
Kool
Cheers
MFree
To be honest, they were really cool, and did not ask silly questions or anything. They just took the basic details and gave me a quote. I think Flux will insure just about anything.
Ian.
If it aint broke - Modify it...
						- 
				Turbo-Brown
 - Boost Junkie
 - Posts: 4705
 - Joined: Tue Feb 15, 2005 11:00 pm
 - Location: Aldershot, Hants
 - Contact:
 
Flux said to me that if I had done all the work myself, the premium would be lower. Guess they figure that if you've put body and soul into making a car you'll be a little bit careful with it........and how right they are!
			
									
									
						

