New analysis from insurance broker Adrian Flux suggests that declaring mods on your car insurance can actually save you over £1250…

We’ve heard it before. Drivers not wanting to declare mods on their car insurance through fear it’ll sky rocket their annual premium. Not only is that breaking the law – if your car has been modified, you must declare the changes to your insurer or your cover is likely to be invalidated – it may also affect how much money you could actually save.

Analysis from insurance broker Adrian Flux shows that declaring mods can actually lower the cost of your cover by more than a whopping 60%. And for a heavily-modified car on comprehensive cover, that saving can even be greater than £1,250.

How can declaring mods on my car insurance lower my premium?

Gavin Hill, standard and niche floor underwriting manager at Adrian Flux, said: “It’s become a bit of a myth in different car communities that modifying your car will hit you in the pocket twice.

“While it can cost a lot of money to make these alterations, when declared they can actually make a massive reduction to your insurance premium. That’s because we know someone who has modified their car will take even greater care than usual in driving and looking after their vehicle – as well as the financial investment in modifying their car, these drivers have also invested their time.

“Claims statistics from insurers back up the fact that these genuine enthusiasts are less likely to make a claim as a result. A lot of mods don’t affect performance but almost all will affect your insurance if you don’t declare them and then make a claim. It really doesn’t pay to hide your mods.”

The study, which can be read in full here, found that with the right criteria, a 24-year-old Seat Leon Cupra owner could see their annual insurance plummet from £1,960 to £699 by confirming they have made the following modifications: suspension, exhaust, induction kit, tinted windows, remap, uprated brakes, intercooler, manifold, alloy wheels, interior changes and vinyl wrap.

Something as simple as declaring a dump valve could even save £50 for a plumber aged 43 when insuring a Vauxhall Astra.

Out of more than 20,000 car modifications declared in a month, the most common are alloy wheels, exhaust system changes and uprated, lowered or stiffened suspension springs.

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With 1887bhp on tap, the Rimac Nevera, based on the Concept_Two, is a bonkers electric hypercar that’s hoping you’ll forget about internal combustion.

What do electric car companies and Thanos have in common? They like referring to things being inevitable. Sadly, no click of the fingers will escape the fact that the internal combustion engine is on its last legs, holding on tight while a new wave of greener cars take over. It needn’t be a sad moment, though, and manufacturers like Rimac are opening our eyes to the possibility of next level performance and electric hypercars.

What is the Rimac Nevera and how fast is it?

The Rimac Nevera is an electric hypercar based on the company’s own Concept_Two that was unveiled in 2018. Underneath is a central carbon fibre monocoque tub, with aluminium subframes at each end where the axles are mounted, while the battery pack is also attached to the tub to add in an extra 35% torsional rigidity stiffness. As you’d expect, double wishbone suspension sits at all four corners, combined with adaptive damping and adjustable ride height.

In a couple of words, the Nevera is very fast. Located behind the two seats in the Rimac Nevera sits a 120kWh lithium-ion battery pack, which is connected to four individual “Permanent Magnet” motors on each axle (2). Peak power sits at 1887bhp while generating a colossal 1741lb ft of torque, of which its deployment is controlled by two separate single-speed transmissions on each axle and naturally sent to all four wheels. It also features what Rimac calls “Rimac All Wheel Torque Vectoring 2 (shortened to R-AWTV 2). With so much torque on offer, Rimac engineers thought about ways of developing its traction and stability controls to better utilise all of the performance while keeping the car stable. What the new system does is calculate the amount of torque being sent to each wheel (individual motors allow this) by understanding the conditions, driver input and selected drive mode and limiting said torque when necessary.

Let’s talk numbers. Rimac reckons it’ll accelerate from 0-60mph in 1.85 seconds, 0-100mph in 4.3 seconds, 0-186mph in 9.3 seconds and completing the 1/4 mile in just 8.6 seconds. Top speed? 258mph. Bothered about economy? A WTLP cycle returned 340 miles.

Now for the biggest number of all, the price tag. With a production run of 150 units, the Rimac Nevera starts at £1.72 million, that’s without taxes on top… New technology is by no means cheap!

What else can you tell me about it?

The stench of new-wave technology continues inside with not one, not two, but three digital screens. Rimac was keen to point out that due to its level of customisation available, no two Neveras will leave the factory the same, with three starting specs on offer and a plethora of bespoke interior colours available.

The exterior is almost identical to the Concept_Two, with Rimac tidying the shape up and making aerodynamic refinements. A number of active aero components are littered throughout, with moveable grille inserts, flaps under the splitter and rear diffuser as well as that big moveable rear wing.

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