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[flyer 0712]

I had my car insurance quote come through for my omega 2.2.......fully comp £258......i phoned to pay and they asked me,any mods....yes i said you know of them....she then said oh yes....18inch OZ wheels...tinted windows...thats it......no i said i told you two years ago and last year that i had bought a stainless exhaust from the cat back at a cost of £350....she then denied that i had told them....check your tape recordings and you will see i did.....anyway it was going to increase my insurance by £239...to £497....no a cats chance in hell i told them,,.............then she said if you take it off and put an ordinary one back on then the cost would be back to £258...are they taking the pee or what...oh well all i can say is..Well done Churchill...i think i will buy a push bike..

[TheBoy]

Guessing a stainless exhaust is classed as a chav mod by the insurance, thus the bump. Seems excessive on an Omega though, on a Saxo, I could understand...

...or maybe the Omega has hit that category now 

[YZ250]

I had a similar problem with Churchill. I had been with them for many years when they said they wouldn't insure me at all with a stainless exhaust, unless it was standard fit when the car was new. I didn't want any value added to the car, I just needed to know that I had declared it in the event of an incident. I went with Admiral and it is listed on my policy as 'Header and Exhaust Modification'. 

After I'd sent a letter to Churchill querying it, they have since sent me a letter of apology stating that they will insure me with the stainless exhaust. They said it was the employee's opinion at the time and not one shared by them as a company.

[Andy B]

I'm not sure whether I told my insurers about the stainless exhaust on mine - probably not.  I fitted it as a replacement part, not as a performance enhancing modification   

[flyer 0712]

I only fitted mine as i intended to keep the car and it made sense to have it as they life time warranty it as long as the same owner has the car,,,,it does not increase the b.h.p  and at 68 years of age i think i have passed the boy racer stage    and if i wrote the car off churchill would only pay me out the market value of the car which is pennies and not make the price increase because of the exhaust..so why are they peeing about playing silly sods....beats me 

[Andy B]

I only fitted mine as i intended to keep the car and it made sense to have it as they life time warranty it as long as the same owner has the car,,,, .....

That was my thought too ...... about 8yrs go. 

[78bex]

The implication is a lot of people are driving around risking all for a few non-standard mods.

[SteveAvfc.]

I had my car insurance quote come through for my omega 2.2.......fully comp £258......i phoned to pay and they asked me,any mods....yes i said you know of them....she then said oh yes....18inch OZ wheels...tinted windows...thats it......no i said i told you two years ago and last year that i had bought a stainless exhaust from the cat back at a cost of £350....she then denied that i had told them....check your tape recordings and you will see i did.....anyway it was going to increase my insurance by £239...to £497....no a cats chance in hell i told them,,.............then she said if you take it off and put an ordinary one back on then the cost would be back to £258...are they taking the pee or what...oh well all i can say is..Well done Churchill...i think i will buy a push bike..

£258 for insurance oh how i wish, would kill to get it at that price. 

[omega3000]

I only fitted mine as i intended to keep the car and it made sense to have it as they life time warranty it as long as the same owner has the car,,,,it does not increase the b.h.p  and at 68 years of age i think i have passed the boy racer stage    and if i wrote the car off churchill would only pay me out the market value of the car which is pennies and not make the price increase because of the exhaust..so why are they peeing about playing silly sods....beats me 

Aye , i would ring around for a better quote then ring them back saying you can get the cover for what you were originally quoted .... see what they say 

[Crazycarzowner]

£258 for insurance oh how i wish, would kill to get it at that price.

You & me both!!!

£754 for me last time!!!