Best insurance deals?

I was wondering if anyone has any insurance companies they would recommend?

I've insured Mabel but not sure if it's very cheap.

As she's a second car I can't use my no-claims.

Also, what counts as a modification, and how much do they affect the price?

Thanks.

I use MiniWorlds as they are more understanding re mods etc (mods are anything that weren't on the car when it left the factory, alloy wheels, different seats etc) however, I can use my full no-claims entitlement as its the only insurance I have. I have no maximum number of miles, salvage rights and can use it for track days organised by Miniworld plus for £15 you can get a agreed valuation incase its ever written off.

The folowing may lower your premium - limiting the number of miles per annum, taking out a classic car policy, see if your present insurer does a discount for 2nd cars or even trying the female only ones.

Good luck - sometimes its worth ringing round a few, I tried that insurance comparison website once - all the quotes were more than I was already paying.        

i use adrian flux, they seem pretty cheap.

as for modifications, things like alloy wheels, different exhausts etc can affect premiums, although generally not by much compared to major engine modifications

Miniworlds? Is that the name of a company?

Or do you mean the magazine?

Thanks.

mini world magazine have their own insurance company. from what ive heard they are meant to be pretty good and helpful

Quoted from redhotmini

i use adrian flux, they seem pretty cheap.

as for modifications, things like alloy wheels, different exhausts etc can affect premiums, although generally not by much compared to major engine modifications

I didn't know Adrian Flux did traders policys.

i used adrian flux to insure bazzers bini for the grand tour - once i explained what it was for they let me have it for one month rather than a year.

We tried classic policies but our '96 car was way too new for them.

Got a quote from Adrian Flux a few years back but they seemed more interested in selling a finance deal to pay for the policy than the policy itself.

We've been with MiniWorld (the magazine) Insurance, which is operated by HIC, for a few years. As Amanda says they are happy with non-standard cars, do agreed value for a small fee (which we wanted) and track day cover (which we didn't) and their policies often seem to end up cheaper than the "normal" insurance companies.

https://www.hertsinsurance.com/

I'm with Graham Sykes, have been for 3 years now. Left Adrian Flux when they decided to double my premium without justification and told me to go elsewhere.

When I left Adrian Flux I shopped about and did take a policy out over the phone with HIC, but cancelled it when the policy documents came through. The terms and conditions for the policy hadn't even been run through a spellchecker and half of them were geared to making more money out of you: £25 admin fee was chargeable if they changed the details on the policy due to their error, and stuff like that.

Thankfully I've never had to claim so I don't know what Sykes' claim service is like, but considering my premium didn't go up for adding adjustable suspension all round, or cutting the front off and putting on a removable carbon fibre one, I'm happy enough with the prices.

I was naughty and didn't declare mods     two companies to avoid are dial direct (£50 charge for ending policy early and hour on hold on their 'helpline') and budget (can't understand the people on their phone lines   ). Churchill and Lancaster are good . Also like graciesmum said limited mileage can bring the cost down-but not if u keep driving her to work everyday lol