shopping around quotes were up to £2300 mad with full no claims discount though I’m now 80 years young . Vehicle 2022 Corolla Hybrid 

I'm trying to insure my Toyota Hiace Hilife GXS moter van diesel year 2000, but insurance want a category name or number, which is not on my registration document can anybody help please 

He has had an accident and is now worried because he DID NOT INFORM HIS INSURANCE COMPANY OF HIS MODIFICATIONS and they are coming to inspect his car.

When you insure your car and say "no modifications car is factory spec" it means your car is how it left the factory.

If you change your alloys for steel wheels with winter tyres you have modified your car.

It is best to tell them of ANYTHING you change because they will find ANY way to say in the event of a accident "sorry sir you are not insured".

I had my windows tinted and mud flaps fitted,I told my insurer and they sent me new Insurance documents with the items on it (no extra cost).

Now for the good bit,I rang around for renewal quotes and 2 companies would not cover me because my tinted windows were "not factory fitted".

So if I had not declared them I would not have been insured,in the event of an accident,and my car inspected.

The bottom line is that if you do ANYTHING which takes your car outside factory spec TELL THEM !!

It might cost you a bit on your premium but will save a FORTUNE in the event of an accident.

Sorry if I am preaching to the converted but this is an easy trap to fall into.

https://cardealermagazine.co.uk/publish/financial-conduct-authority-allows-significant-number-of-firms-to-resume-gap-sales/302371

That is just crazy the amount the car insurance is going up every year

I manage to get it from another provider for £1120 but the prices are going crazy.

Few years back It always used to go down for me and with the same insurance company where I never needed to change but now every year its up up up

This all with 6 Years NCD

“Garages don’t guarantee lower premiums as bumps and scrapes might occur as you drive in or out.   If you keep tools or sharp objects in your garage, they can cause damage to your car.”   I have never seen a proposal form that allows you to clarify any risks - e.g., some garages are wide with very wide access doors, and some owners have tool sheds quite separate from the garage.  Naturally insurers prefer to assume the worst scenario.

“If someone breaks into your home, they might then have free access to your garage AND your car.  If your garage is separate from your home” (most common arrangement), “you might not hear someone breaking into it.”   Again, conveniently ignored by insurers, neither the home owners nor the car will be on the property in the majority of cases.

“It is often said that the best place for your car, day and night, is a carport. As you might expect, this is because your car will be off the road, likely on your own property, and in a reasonably open space compared to alternative car parking definitions.”     I have tall, locked gates between my house and garage.  At one time, I had a carport placed here, but in the past storm force gales demolished the carport.  GThankfully, at the time, my car was parked IN THE GARAGE!

One thing the insurers have conveniently assumed, is that we are all careless muppets who cannot look after our property.  This careless abandom does not appear to stretch to how we take care of our homes.  Do the insurers think we are idiots, who cannot recognise when we are being screwed?

Appears Yaris Cross is 12 v Yaris 14

Why would that be?

Does the real insurance cost bear that?

Any personal experience? 

For context I am in a fairly low crime area and have 12 years no claims. 

Whats really really confusing is on comparethemarket if I change my no claims from 12 to 2 years it actualys becomes cheaper by around £50...

Bit of help here for anyone looking to get car insurance for their Japanese imported vehicle. I've rang them all, been told they have to approach other insurers to get quotes back. You don't get the quote straight away.

Adrian Flux 0800 369 8590

Keith Michaels 0800 542 2141  / 0208 1150

Mark Richards 01275 792270

Jap Cover 01275 792270 

Performance Direct 01708 564 143

I personally tried the usual route of the comparison insurance sites in England, but none of them recognised the actual vehicle model, and having called many high street car insurers direct, they also, have never heard of a Toyota Voxy for example, it may be the same for many other imported vehicles too. 

If anyone else can add to this, i.e any reputable English car insurers who can offer quotes for Japanese imported cars. I'd be interested to know. Being told I'd have to wait to see if anyone would insure the vehicle or not is a bit daunting. 

Companies like 'Admiral', 'Elephant', 'Diamond', 'Churchill' don't recognise nor will insure these imported vehicles.

Many thanks for reading and replying. 

My current insurance is on my Toyota Verso and has maximum no claims discount.

Now I am considering buying another car, potentially a Toyota CH-R hybrid.

Question and advice:

Would it be more cost effective to insure the CH-R using a new insurance with zero no claims, or use my current insurance which has maximum no claims.,?

I am currently with Churchill but I won't renew with them next time. Also wondering if any company insurance would provide a second car insurance under the same policy..?

I've checked on comparison sites and this is still a very competitive price.

Anyone else seen a similar jump in price?

The Mk4 is up for its 3rd year of insurance and what a PITA!

My current insurer wanted over £800 (!!) and comparison websites were returning quotes 700+, except for Morethan who were mid-500s, but after actioning the quote and then calling them to note the Dashcam and steel wheels, they came back and said their system wouldn't let them insure my car with the steel rims! Told them what other insurers did and questioned how they would handle having winter tyres on steel rims, but they wouldn't budge and basically said I'd have to put the 17's back on or the policy wouldn't cover me

My last 2 insurers couldn't even add steel rims as a modification as they didn't have an option for it, and their policies stated they only needed to know about modifications that increased the performance or value of the car, so they just noted it with no change to the premium in the notes on their system. Don't know why Morethan have such a weird policy... if anything I should get a discount for having steel rims!!

Direct Line wanted over £900 (!) and Toyota wouldn't even give me a quote via their on-line form (Didn't bother calling them), but by a curious twist of fate I have ended up with Adrian Flux!

Initially their quote was very high too (>£700) but after I accepted and then cancelled the policy with MoreThan, I called them back a few days later and discovered they'd had a cheaper quote for me come back in the mean time (~£530), just hadn't told me about it like they said they would, so it's a good thing I called back!

I think from now on I'll call them first then let the quote stew for a few days while I try all the others, then call back and see if they got any lower ones...

Alas having a Dashcam or being a member of this club didn't attract any discount on my policy with them tho'!

I've considered changing from the corolla to a yaris. The yaris is group 14 where the corolla is 21. That said, I've read that the yaris is still expensive to insure. Can someone advise me on this, I have max no claims discount and never been involved in an accident that was caused by my driving.

I am insured with Toyota and was pretty shocked that when I notified them of this it resulted in a 25% premium increase. Luckily there is not long left on the policy and it was pro-rated so just around £30 to pay. But still seems absolutely outrageous to me.

Will certainly not be renewing with Toyota. Wondered if anyone else had had this issue or could recommend other insurers to look at at renewal.