[xanadu]

Silly Question time people

I have a 214 cab and purchased a boot spoiler to add to it (one of them with the 3rd brake light) So far I have not added it to the car cos the insurance scared me half to death. Currently pay about £345 fully comp. but the best quote I found was about £900

Anyone got any thoughts, should the insurance be so different? I mean I'm no longer a boy racer (well not on paper at least )

[Fatdave]

i wouldnt of thought a boot spoiler would make any difference to the insurance. my insurance company dont care what you do to the body as long as you dont touch the engine.

[discodude]

surprised it was that much of an increase.paid extra 25quid to put 17s on my cab.shop around is my advice.

[carl747]

Don't tell them it's a factory Spoiler off a MK2 200 This is important (yes the coupe read below)

But when i put the coupe bumpers on my car I phone the insurance up told them said it didn't matter as the bumpers was off the same Mk car and year didn't matter that they was off a coupe

WIN WIN

[David W]

Surely if the spoiler is standard Rover & an optional extra you shouldn'y pay anymore. I've fitted a standard Rover spoiler to my 214 K plate & insurance company not bothered. It makes no difference how the car performs except more stable at high speeds. Like most we fit the spoiler for the appearance! Change insurance company or just "keep quiet"!

[xanadu]

Well I am not going to do anything with it during this insurance cycle, would likely make changes next September.

I was using comparethemarket when I noticed the difference in the costs. Simply for a minor modification



The spoiler is meant to be one for all 214 series, found it on ebay. I did wonder if they think I am becoming a boy racer again despite being 30

[David W]

When applying for insurance state "standard car, no modifications" when re-applying or applying to a different Insurance Company. The spoiler is a standard extra fit, not an after market boy racer thing! My 214 GSi is standard WITH a spoiler, 15" alloys & cost of insurance is just over £75 fully comprehensive for 12 months! Admitted I am a driving instructor with 45 years "no claims bonus" but surely you can negotiate with the premium! Why not take an advanced Driving Test with the "Institute of Advanced Motorists"? This will bring you're insurance down a lot! Good luck, David

[xanadu]

hmm that idea would make more sense. It is a 214 spoiler I have and its hardly a boy racer thing.

It was bad enough with insurance to begin with, I have been driving a company vehicle for that last 3 years so had to get a letter to confirm etc

all the fun

Thanks everyone for your help though

[e2jym]

hi matejust had a quick look through your post and i have my car insured with sureterm fully comp limmited to 5000 mile as i have another rover and only pay 108 fully comp
check out the pics of the rear am also going to ad coupe boot spoiler bumpers and side strips next year as well as mg 17inch wheels and have told them this

and also hve a garanteed 1000 value its on a classic policy cause its over 15 years old
worth a try

[xanadu]

Thats interesting, mine is on a classic policy at the moment, my cost is higher due to a little prang I had in a car park

But its good to know about that though.

Cheers everyone