Many thanks guys for your responses...

Not long after I posted this here, Carbon did phone me and were much more accommodating this time.  Iain's explanation would account for their needing more information than I'd previously been used to repeating.

Like Iain, my underwriters are Aviva and their quote also contained a value reduction in certain aspects of the cover. 

However, the price quoted was lower than last year at £637.87 - including Insurance Premium Tax, Legal Cover and Protected No Claims Bonus.  This is something I really wasn’t expecting in this day and age - a reduction of almost £100 from last year, despite my declaring the addition of two Mods i.e. the SharkWerks Centre Exhaust By-pass and the Zunsport grills. 

The excess has gone up from £500 to £700 but I’m thinking, especially for continuity, that this is the best way for me to go - unless anyone thinks their choices can significantly better these terms?

Again, many thanks for the above contributions – very much appreciated…wink     


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"Things turn out best for those who make the best of the way things turn out."