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PostPosted: Tue Jun 27, 2006 12:52 am 
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richard_syko wrote:
I paid 1300 quid last year with NU (TPFT)

I was 18 and in my first year.

Barclays quoted 460 (FC)

Now 19 1 years NCB



thats cheap as foook

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PostPosted: Sat Jul 08, 2006 3:41 pm 
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got a qoute for my si everthing single mod declared £2100! :o tpft with tesco interest free gotta pay £175 a month i'm 19 years old and been driving for just under 2 years with no claims and no points living in a low risk area been on my old mans name for last 2 years so have decided its now best to start trying to get my no claims,its annoying but the mods have caused it to more than double in price :|

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PostPosted: Sat Jul 08, 2006 6:51 pm 
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PostPosted: Sat Jul 08, 2006 8:03 pm 
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do 2lt engines look very different to the normal si engine? from the top i mean

on a completely differen note evey body who drops a 2ltr willy engine in their valver decides not to declair it as they look exactly the same

oh wait i suppose thoes 2 comments could be related

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PostPosted: Sat Jul 08, 2006 8:34 pm 
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chop_suey wrote:
do 2lt engines look very different to the normal si engine? from the top i mean


No they look the same, bar theres a slight difference in the TB, you'd only notice it if you looked closely!

But correct me if i wrong! :)

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PostPosted: Sun Jul 09, 2006 9:32 am 
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Maf housing diameter, throttle body, injector colour.
thats about the only differences noticable from the top.

but then your insurance would be invalid so what the point of having it in the first place
JJ

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PostPosted: Sun Jul 09, 2006 11:04 am 
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jdfiesta wrote:

but then your insurance would be invalid if you got caught so what the point of having it in the first place
JJ


just thought i'd add the bit you forgot

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PostPosted: Mon Jul 10, 2006 8:14 am 
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PostPosted: Mon Jul 10, 2006 10:33 am 
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chop_suey wrote:
jdfiesta wrote:

but then your insurance would be invalid if you got caught so what the point of having it in the first place
JJ


just thought i'd add the bit you forgot


i can stand people like that.
at the end of the day, they're being a cunt by not paying the premium that they are supposed to be paying due to having parts that differ from the original spec.
if you modify a car then it should be all declared to your insurance company. mine is. if you cant afford the increase in premiums then you dont do the mods
if you did get caught then you be in for it.
JJ

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PostPosted: Mon Jul 10, 2006 10:45 am 
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What are the consequences of driving without insurance?

If you drive without insurance you will get an IN10 conviction. The standard minimum punishment for this is 6 points and a £180 fine.

However this can be increased to more severe measures including driving bans.

Driving without insurance is a serious conviction and will have an effect on your insurance premiums. For a young driver this will mean a vast increase in premium and often will result in insurers refusing cover.

With the new legislation regarding new drivers, an IN10 conviction may incur a ban and a forced retake of the driving test.



Better to declare your mods, and know when plod stops you that you are fully legal. I know that's what I'll be doing. Still I'm not a new driver who wants 'supercar' performance from my first car without letting my insurance company know. If you were involved in a crash and the other party claimed, the insurance company would be all over your car with a fine tooth comb looking for ANYTHING they can use against you so they didn't have to pay out. Then who would pay for a new car for Mr. Smith after you wrote his off. You would. End of story.

Definitely not worth the risk imho.


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PostPosted: Mon Jul 10, 2006 12:03 pm 
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jdfiesta wrote:
chop_suey wrote:
jdfiesta wrote:

but then your insurance would be invalid if you got caught so what the point of having it in the first place
JJ


just thought i'd add the bit you forgot


i can stand people like that.
at the end of the day, they're being a fanny adams by not paying the premium that they are supposed to be paying due to having parts that differ from the original spec.
if you modify a car then it should be all declared to your insurance company. mine is. if you cant afford the increase in premiums then you dont do the mods
if you did get caught then you be in for it.
JJ


Yeah because when I wrote my car off and a third party's, my undeclared mods were sitting loud and proud on the car when the inspector turned up to survey it. He even commented on my nice Recaro interior. The car was decked, chunky stainless sticking out the back and RS kit on it with the K&N sitting in the engine bay. He was less than bothered by it all. He didn't check crap like engine numbers and such like, in fact I dont recall him taking much down.

You'll only get caught if you have a big accident and then lack of insurance will be the least of your worries.

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PostPosted: Mon Jul 10, 2006 7:04 pm 
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i'm taking no risks, i'm going to always have my mods covered as its one less thing to worry about but its is steep the increases on mods i'm renewing with tesco they want £2100 interest free, third party fire and theft i'm going to have to do it, but they want £4000 for 2.0 conversion so i think i will get some no claims first before i do that

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PostPosted: Mon Jul 10, 2006 7:08 pm 
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Ive declared my si bumpers on my ghia, they said they didnt care. window tints they said as long as they were legal else its 10% extra. alloys they wanted 50 quid but i talked them into letting me off with the extra charge cause ive only got a few months left on my policy :lol:

If i get a 2ltr at end of year i will declare it, but it wont make much difference on cost as im gonna get another company for the insurance.

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PostPosted: Mon Jul 10, 2006 11:54 pm 
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So what companys actually do the 2.0ltr conversion, cos i rang my insurance (Bell) and anyone would have thought i was talking in russian he didn't have a clue! :rolleyes:

can somone give us a list! please!

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PostPosted: Mon Jul 10, 2006 11:57 pm 
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adrain flux will as do tescos not many others like it with lots of other mods too, most companys like bell and elephant always turn my car away as its too low and can't insure nething lower than 50mm or somthing as mine dropped 60mm

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PostPosted: Tue Jul 11, 2006 12:00 am 
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fiestasiphil wrote:
adrain flux will as do tescos not many others like it with lots of other mods too, most companys like bell and elephant always turn my car away as its too low and can't insure nething lower than 50mm or somthing as mine dropped 60mm


i tried tesco n they wer um'ing and r'ing and said they'd ring me back with a quote, this was 2 days ago!

Id never go with bell ever again, biggist rip off going!

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PostPosted: Tue Jul 11, 2006 12:02 am 
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well they gave me a quote all mods covered at £2100 tpft for as it is with a 1.6 lump but wanted £3950 for 2.0 conversion as its around a 50% power increase this was by tesco

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PostPosted: Tue Jul 11, 2006 12:06 am 
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its an age thing i think! gona try putting my mum on my policy seems to make it cheaper! i think its gona be either adrian flux or redline that i go with, but CIS have givin me a renual quote of........ wait for it...................£478 :shock: :shock:! so if they do the conversion ill be gong with them!

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PostPosted: Tue Jul 11, 2006 12:08 am 
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well i'm 19 but been on my dads name for nearly 2 years and made no claims redline they ne good haven't heard of them before ,c.i.s won't insure my car as a new customer with all the mods for sum reason :?

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PostPosted: Tue Jul 11, 2006 12:12 am 
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fiestasiphil wrote:
redline they ne good haven't heard of them before ,


from what ive heard they are, got recomended by a friend! there in back of PF and FF mags!

i dint even ask for a quote from CIS it just came through the post one day! :?

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