My recent body mod :(

[DAVE W]

But surely you will be claiming off the lorrys insurance so i bet they would never look if its gonna be repaired

[McRic]

But surely you will be claiming off the lorrys insurance so i bet they would never look if its gonna be repaired 

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engine not told to insurance = car not legally insured = shouldn't be on the road, could lose everything unless hes a very lucky chap

[Markt8]

was gonna say thats a pisser til I read you never had it insured for what it is............take note this is the reason everyone elses insurance rises. Lets be grateful no-one was seriously injured

<{POST_SNAPBACK}>

Everyone elses insurance rises because they wont have to pay out for my car, how the f*ck do you work that out?

 

Bullsh*t, companys rip the p!ss coz they can mate

 

Mark

[McRic]

was gonna say thats a pisser til I read you never had it insured for what it is............take note this is the reason everyone elses insurance rises. Lets be grateful no-one was seriously injured

<{POST_SNAPBACK}>

Everyone elses insurance rises because they wont have to pay out for my car, how the f*ck do you work that out?

 

Bullsh*t, companys rip the p!ss coz they can mate

 

Mark

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I work that out as your car wasn't sposed to be on the road with the engine it had fitted. In this case it was you that was hit ie the trucks fault. If you had hit someone then you're insurance would not have paid out causing the other person to claim there insurance therefor causing rising premiums to pay for the money paid out. I agree insurance companies take the Pee but people not declaring mods doesn't help. Don't take it as a personnal dig at you I would say the same whoever it was. I just hope you don't get charged as your car should not have been on the road with no insurance. Your current cert. is void so even the money you are paying isn't worth a thing.

[DAVE W]

I would say 99% of the people on the roads dont have the proper insurance

[Markt8]

I would say 99% of the people on the roads dont have the proper insurance 

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Hell Yeah

 

Mark

[Mike C]

But surely you will be claiming off the lorrys insurance so i bet they would never look if its gonna be repaired 

<{POST_SNAPBACK}>

 

engine not told to insurance = car not legally insured = shouldn't be on the road, could lose everything unless hes a very lucky chap

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absolutely

 

inrurance companies may be rip-off merchants, but only cos of people who nick cars and insure things as summat they ain't. Saying u didn't tell 'em cos they charged to much is the same priniciple as saying u saw summat u liked in a shop, but couldn't afford it, so u nicked it

[Rob84]

the insurance on mine woulda been less then a grand if i insured it as a standard XR3i, but as its a highly modded XR3i, its costing me £1400 if u cant afford the insurance, dont get the mods that makes it so high, simple

[Mike C]

the insurance on mine woulda been less then a grand if i insured it as a standard XR3i, but as its a highly modded XR3i, its costing me £1400    if u cant afford the insurance, dont get the mods that makes it so high, simple 

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exactly what i was getting at

 

i won't be doing any engine changes 'til i can afford to declare it all, no way

 

as discussed yesterday, my insurance situation ai't ideal for me atm, but it's legit, signed at sealed, at the end of the day, i'm only screwing myself by not building up my own NCD. If i went and insured a zetec turbo as a standard 1.8, i'd be screwing every other poor fcuker on the road, no thanks!

[McRic]

ahhhh finally some fellow sensible people

[DAVE W]

Yeah but mike you are fronting

[Mike C]

Yeah but mike you are fronting 

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it's all legit, got all the proof i need

 

got an inventory with every last mod on, an estimated annual mileage for everyone who would drive the car, pictures of any "special" mods on record, the works

[BIG STU]

personally i think ppl are mad to drive a modded motor and not insure it correctly?

 

even if its only for a standard replacements.

 

if you had caused an accident then you would have been up sh*t creek.

 

If Insurance companies want to be picky then they will be!!!!!!

 

I know of a guy a while back who had insurance claim denied due to a balding tyre that he had put off replacing. If he had 4 good tyres he might not have lost control

 

hope you got your V5 updated at least

[Lee R]

I would say 99% of the people on the roads dont have the proper insurance 

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spot on

[Mk6 Si Ross]

whats all this about insurance rising cos of people not declaring an air filter

 

Its these fake and un-neccessary insurance claims thats the highest payout so biggest reason for insurance going up year on year out

 

Read a quote once where for every £1 an insurance company took in they paid out £1.50 in 'claims'

(this was few years ago before the prices shot up)