Twingo RS (CUP) insurance?

[DanPaul7]

Okay so before I went ahead and put the deposit down on my Twingo I did a few checks on some insurance websites. I found that I could insure the Twingo rs for a pretty reasonable £565. At the time I had decided that I did not want the cup package but when I got to the dealers and decided I did indeed want it, I was confused about the insurance. Thinking that the added cup chassis with the lowered suspension and bigger wheels would require a different insurance policy I quickly checked on the dealers computer for a quote but I found no option for the cup chassis. The dealer did mention to me that if I did not inform the insurance company that my car had a cup chassis and then I wrote it off, it would likely be replaced with a standard RS. I phoned an insurance company just to check what was required and was told I would need to include the cup chassis as a modification. The lady of the phone then did this for me and gave me a quote of £695... £130 more than originally!
I just wanted to check if any of you cup chassis owners have had the same situation. Even better I would like to know if anybody has insured an RS without including the cup chassis as a modification and crashed it, and what then happened? I don't really want to pay the extra money if I don't actually have to.

 

[Dubz]

It's not a modification though it's an optional extra. Try and find out if putting it in as an option extra changes the quote.

 

[DanPaul7]

It's not a modification though it's an optional extra. Try and find out if putting it in as an option extra changes the quote.

That's exactly why I thought it was stupid. I tried several insurance companies, there is no option for the cup package online and when I phone them they add it as a modification. I think they're just trying to do me for as much money as they can but I need to be sure.

 

[Daveyb133]

was your quote with admiral by any chance?

if you do, all the optional extras you declare increase your insurance.

 

[maggi200]

With admiral they let me do any 'external decorative modification' that won't increase my premium (which was ~£450) which covers the wrap I want to do.

Mines an actual cup though, I did a quote with them when I was looking and getting different quotes for full fat with cup dkdnt seem to make a problem. Them welsh birds are usually quite helpful (on the sales side at least)

 

[Daveyb133]

With admiral they let me do any 'external decorative modification' that won't increase my premium (which was ~£450) which covers the wrap I want to do.

Mines an actual cup though, I did a quote with them when I was looking and getting different quotes for full fat with cup dkdnt seem to make a problem. Them welsh birds are usually quite helpful (on the sales side at least)

wish that was the same for me my insurance went up by nearly 200 quid after i declared everything and that was before the mods started

 

[DanPaul7]

So i'm a bit confused, do you think I should declare the cup chassis as a modification and pay the extra 130?

 

[manofhow]

NO. because its not a modification.

its only a mod if you have done it yourself, (such as putting different suspension on it to lower it)

as it is a renault option when buying its is still a twingo rs just with options not a modification

 

[Zoe]

NO. because its not a modification.

+1

 

[MovingShadow]

Weird that they would charge you more for a Twingo RS CUP which is actually a semi-stripped version with less options :?

 

[DanPaul7]

Okay thanks for all help, good to know I will have an extra 130 to spend this christmas

 

[maggi200]

Weird that they would charge you more for a Twingo RS CUP which is actually a semi-stripped version with less options :?

It's a fullfat with cup not an actual cup

 

[jra3d]

NO. because its not a modification.

+1

+ 2 an also MissDW is my insurance advisor so she's normally right

 

[133_Ads]

NO. because its not a modification.

+1

+ 2 an also MissDW is my insurance advisor so she's normally right

And you're her Police advisor?

 

[MovingShadow]

Weird that they would charge you more for a Twingo RS CUP which is actually a semi-stripped version with less options :?

It's a fullfat with cup not an actual cup

Oh, in that case.. nevermind what I said

 

[Zoe]

+ 2 an also MissDW is my insurance advisor so she's normally right

:lol: Im fairly confident on this one, but dont hold me to it, I dont want to get you into trouble if Im wrong!

 

[funky_d]

Despite it not being a modification as such, I'd have thought having it over a standard FF 133 would still make a difference to premiums?!

I can't really compare, I didn't get a quote on a FF or a Cup, just the FF+Cup I bought...

 

[Alex_225]

I would be inclined the check. The Clio 182 for example was a group 16 on the old insurance groups and the Cup was a 17!

Admittedly there's less difference between a Cup and non-Cup 133 but if the insurance companies has an excuse not to pay out they will. I'd inform them even if it doesn't make a difference.

 

[gavin-h]

It can't be a modification if it came out of the factory that way...

...besides, if there was ANY common sense in the insurance industry it'd actually be cheaper to insure a Cup, because same power + better handling = less probability of an accident, right?

 

[Alex_225]

Or possibly someone testing their Cup chassis out to the max and crashing it?

As you say though it's not a modification and wouldn't be deemed as one but may be insured as a different model because of it. That's a maybe as chances are they come in at exactly the same price.