Declined insurance - ALL READ!!!!

[Elliott]

Morning all
Recieved a letter today from direct line telling me to contact them urgently otherwise my insurance will be cancelled within 7days so I got worried and called them straight away.

When I called up the women told me that my car was moddified with it's alloys and smoked jewel rear lights.
So I replied how does she know this and she said my car was at Pickering And they have photographic evidence of my car so now my I need
To go with a new company but it doesn't matter because my renewal is up anyway.

The women said that ALL insurance companys have people going around checking cars.

So just a warning to eveyone any changes made that arnt factory declare them!!!

Rant over x

[D4N91]

thats unlucky that mate

[Prickle]

Thats suprising!

[ALEXvtr]

of all the cars that would get spotted . . .

[ALEXvtr]

you would of thought alloys and lights wouldnt make that much of a difference

[Danr]

They use forums as well.....

[Elliott]

you would of thought alloys and lights wouldnt make that much of a difference

I know plus I was parked in Pickering
Show ground car park which had about 1000 cars

[Prickle]

I know plus I was parked in Pickering
Show ground car park which had about 1000 cars

Unless they run number plate checks whilst driving through and came across your car?

[lakey_xs]

never as if is the car in your name

[Mango_Wes]

Anything for extra money!

Cunts,

Complete cunts,

[Elliott]

She said they have people going to check them at all shows etc

Car isn't in my name I was named driver

[lakey_xs]

same here doh

[Danr]

Anything for extra money!

Cunts,

Complete cunts,

Not really anything for extra money. If you don't declare you're the one breaking the law.

[PSPDan]

Anything for extra money!

Cunts,

Complete cunts,

No mate, it's the law. Not declaring mods to save money makes you more of a cunt than the insurance company.

[maddison_vts]

i don't see the issue, just declare the modifications!!!! if you don't declare modifications, nobody is really that bothered about it but just don't complain if you get caught!

anyway, try adrian flux. cosmetic modifications seem to bring the insurance down from my experience of quotes. i have absolutely everything declared on mine, cams, nitrous and all the usual gear and i'm paying the least on insurance now than i ever have.

however its cheap because i'm on a limited mileage policy because i'm in the armed forces so i don't get to drive it vey often. :n:

[pjm300]

serves you right

[Mrk1]

Declare your mods, problem sorted

[joehow12]

uhu declare mods no problem, also this is why plates come off at shows and track days most of the time anyway

[AlexR]

Ok let me get this straight.

You're fronting on insurance driving as a named driver.
You modified your car then didn't declare it.

You my son, are a complete and utter bellend.

[Danr]

Ok let me get this straight.

You're fronting on insurance driving as a named driver.
You modified your car then didn't declare it.

You my son, are a complete and utter bellend.

AlexR, Telling it like it is since August 2004.

[AlexR]

Too right.
There is no point beating about the bush is there Dan!

[Danr]

Exactly Mr R.

On insurance forms don't you have to put down if you've been rejected insurance? May cause the premium to go up..... LUL!

[AlexR]

Yep they ask if you've ever been declined insurance.

Elliott would just say no though because it's OK to lie to your insurance...

[Danr]

Ah right. Hey maybe this might be why young males insurance is so expensive?

[AlexR]

Indeed! Oh well it'll be his loss if he crashes and gets no payout for the car AND has to cover the cost of damages to whatever he hits - Crash into a house, person or expensive car and you'll be having a nice lawsuit against you, and you'd wish you'd just declared those gash lights and alloy wheels, oh and insured the car in your own name...

[pjm300]

http://op-for.com/simpsons_nelson_haha2.jpg

[littleracer]

i wonder if he declared his 'ghey' tattoo too lmao

[dj_russell]

said mant times before your all targeting this kid when gordon browns doing worse than he is why dont you start wring letters to labour complaining. all this kids doing is not declairing alloys and rear lights big fucking crime that is aint it.

[AlexR]

It is a big crime, he will be uninsured which is illegal.

It's people totally disregarding the rules and laws that is the cause of such unrest in this country at the moment. The rules are there for a reason, you break them and you should be buggered with no lube.

[dj_russell]

also your fronting if your adding your parents on to get cheaper insurance WHEN THEY arnt driving it at all, wonder how many are guilty of that,

your FRONTING if your on a traders policy and your not a trader,

your fronting if you have minor medical conditions and dont declaire it.

[dj_russell]

It is a big crime, he will be uninsured which is illegal.

It's people totally disregarding the rules and laws that is the cause of such unrest in this country at the moment. The rules are there for a reason, you break them and you should be buggered with no lube.

everyone i knows not had a problem when theyve crashed nothing was ever mentioned so i dont see what the problem is??? like ive said before im old enough now to declair things and get a fair rate but before i was 20 i was doing it myself as otherwise i wouldnt of paid 4k for insurance. the only people i see winging about it are the ones whos parents wouldnt help them at a young age, your either into car modding and will do anything to get insurance or your really not that bothered and drive a standard car which means you aint really car enthusiast.

youve got to look at when you was younger what would your choice of been?

[AlexR]

That attitude isn't right though.
I read about people saying they don't declare their mods all the time on here, it's not a good thing to say and i hope more of you get screwed over. It encourages other people to do it.

I declared all of my mods on all of my cars. So it may have cost me £300+ extra a year but it's the price you pay for being legal And if your insurance company don't insure mods then wait until the end of the policy and go with one that do. You don't have to have mods do you? It's not as if the world is going to come to an end if you have to keep your lights and alloys in the garage for 6 months.

[dj_russell]

ive always lived to have modded cars though tbf and it seemed pointless in driving if i couldnt have a modded car, i gave up lessons for nearly a year and passing my test because of the insurance cost of having a done up car i just couldnt be arsed, i only wanted to pass my test to have a car i wanted to come out in at night getting just from a to b has never interested me, and id rather not drive at all than drive a standard car.

like i say im of an age now where i can have pretty much anything i want and afford it but thing is im also on 5-7 times the amount of money i was on at 17-18 needless to say i give in and went illegall those days i had a show car at 18(would look shit now) i was adament it paid off aswell i got pulled god knows how many times and checks on the car and nothing bad was ever said. although i think its become more strict in recent few years. i just thank to god im getting closer to the age of 25 where i know im all legal. but i dont agree with how they make it for younger drivers a younger driver with a car they want to drive is safer than a young driver buying a 500 quid banger to get him round till he can insure the car he wants. the bangers more inclined to crash and more inclined to not care about it and drive off if he bumps it in a car park. its just unfair to expect a 17 yearold whos probably on apprenticship money to afford tripple the insurance who already struggles to insure and run a car let alone insure mods.

[Liam_LFC_VTR]

That attitude isn't right though.
I read about people saying they don't declare their mods all the time on here, it's not a good thing to say and i hope more of you get screwed over. It encourages other people to do it.

I was told directly from Quinn Direct that I wont need to declare mods unless its performance enhancing........

Maybe its different in N.Ireland though not sure.....

[AlexR]

What you want isn't what you necessarily get though. Just because you want mods doesn't mean you can have them. I wanted a clio 172 when i was 17 but did i get it? I got a 1.0 car that cost £600, grp1 insurance, when i did mod it(alloys, exhaust and air filter) it was all declared. I had a saxo diesel afterwards with no mods and by the time i'd been patient and made it to 19 i treated myself to a vts, insured with adrian flux, any mods allowed and all mods declared. That's how you do it, you drive a shit car and prove that you can do so without crashing, and then when insurance becomes cheaper you buy a decent car, and the older & more experienced you get the cheaper it becomes.

Young drivers insurance is expensive because young people tend to drive like cunts and crash.

Patience pays off. You have your whole life to fuck about with cars, what's a few years?

[barneyg40]

am with quinn here in n.ireland, i have my mods declared, cost an extra 8 quid a month 4 my suspension! i dnt know how they work that out but at least am legal!

[Ryan]

also your fronting if your adding your parents on to get cheaper insurance WHEN THEY arnt driving it at all, wonder how many are guilty of that,

Theres nothing illegal about adding people to a policy who are not main drivers, alot of people do it so that if they have problems someone can drive the car for them.

Its illegal to be lying about who is the MAIN driver.

[Danr]

its just unfair to expect a 17 yearold whos probably on apprenticship money to afford tripple the insurance who already struggles to insure and run a car let alone insure mods.

That's bullshit. The reason young people pay more to insure cars is because 99% drive like cocks and are actually on the road a lot more than older lads. I know when I was 17 I used to do loads of mileage just driving about. My driving was shocking as I was still actually learning to drive.

If you can't afford the insurance don't buy the car. If someone crashed into me that hadn't declared their alloys then I'd make sure that I took them for everything I could.

[dj_russell]

That's bullshit. The reason young people pay more to insure cars is because 99% drive like cocks and are actually on the road a lot more than older lads. I know when I was 17 I used to do loads of mileage just driving about. My driving was shocking as I was still actually learning to drive.

If you can't afford the insurance don't buy the car. If someone crashed into me that hadn't declared their alloys then I'd make sure that I took them for everything I could.

youd get paid out though still nothing would probably get mentioned about alloys.

[vtr_cheshire]

youd get paid out though still nothing would probably get mentioned about alloys.

I have some old mates that would beg to differ..

[Predator_R32]

I need to start blocking out my plates and using my show plates more for pictures :p

[Danr]

youd get paid out though still nothing would probably get mentioned about alloys.

They would mention it as the insurance company is a business. If you don't declare they get to keep your money without paying out.

[MikeCracknell]

Once again, I need to point out a thread I started a long time ago about Fronting:

http://www.saxperience.com/forum/showthread.php?t=105064

[dj_russell]

They would mention it as the insurance company is a business. If you don't declare they get to keep your money without paying out.

im just going on whats happened this end, youve got to cause a serious accident for them to start taking interest.

i know a bird in insurance she told me loads of stuff about how it works.:y:

[AXracing]

This is why people driving with undeclared mods or non road legal cars are just as bad as people driving with out insurance. Really the insurance company should be reporting you to the police for having undeclared modifications.

[dj_russell]

thats a fucking joke to be compared to people who dilliberatly drive with no insurance at all, who probably dont even have mot or tax or licence either.

ffs its laughable do any of you lot ever write letters to the government about how they commit fraud alot worse than some young chap with a fully legal car who looks after it but just doesnt mention a few mods? because what they are doing is far worse than what some guy with a modded car is doing? whats your oppinion on that mind you i dont have to ask, youll be one of the people that allows this country to fall lower and lower. where as people who drive without insuring mods on a decent car not just some pile of shit are far wiser than the ones who declaire as your all walk overs, same walkovers that will just pay 5 pound a litre petrol one day. where as the ones who told a few lies wont stand for it, chavy scum fuckers arnt in this catagory either im talking about respectable people who do it that dont go round causing trouble or wheel spinning they go to work and try hard never break the law but insure nice cars that they look after that are doing it by false means not big lies just a few mods that they never mentioned or put their parents names as main driver.

as you get to 21 its a different story as were all in better places and more fortunate to afford it ive got one of my childhood dreams im 22 years old and able to insure a group 20 car maintain it to the highest standard afford the stupid fuel consumption of 1 night out would of been a weeks wages when i was 17 so why should i care about the younger drivers than me i care because everyones being brainwashed i remember being that young lad wanting to be the cool cat but i know id of never afforded my 1st car if it was all done by the book itd of been about 7k so im not entitled to it am i instead im meant to go out after my work placement sell drugs make the 7k to insure it all legite and that would be fine wouldnt it.

[Tontsy]

millions of people, iirc 2million people in the UK DONT HAVE INSURANCE!
but sod going out to get them, lets get the young lads for having alloys... omfgzzz!

steel wheels ftw imo :y:

[ryhornvtr]

thats a fucking joke to be compared to people who dilliberatly drive with no insurance at all, who probably dont even have mot or tax or licence either.

ffs its laughable do any of you lot ever write letters to the government about how they commit fraud alot worse than some young chap with a fully legal car who looks after it but just doesnt mention a few mods? because what they are doing is far worse than what some guy with a modded car is doing? whats your oppinion on that mind you i dont have to ask, youll be one of the people that allows this country to fall lower and lower. where as people who drive without insuring mods on a decent car not just some pile of shit are far wiser than the ones who declaire as your all walk overs, same walkovers that will just pay 5 pound a litre petrol one day. where as the ones who told a few lies wont stand for it, chavy scum fuckers arnt in this catagory either im talking about respectable people who do it.

as you get to 21 its a different story as were all in better places and more fortunate to afford it.

Ha bloody Ha!!

Whats the government got to do with this?

Its pretty black and white this. Tell your insurance about mods and theyll cover you. Keep mods from them and they have every right to refuse you cover in the event of you needing it.

where as people who drive without insuring mods on a decent car not just some pile of shit are far wiser than the ones who declaire as your all walk overs

Im a walkover then, but im insured;)

[PSPDan]

im just going on whats happened this end, youve got to cause a serious accident for them to start taking interest.

i know a bird in insurance she told me loads of stuff about how it works.:y:

Yeah that might have been the case but the whole point of this thread is that they are now checking out cars before they have any claims.... Unless the OP had a serious crash he forgot to mention? :S

My dad also works in insurance and has done for 30 years and he won't let me do anything to my car without declaring it and he also made sure I wasn't insured under one of my parents names. They are a lot stricter now than you'd think. Although I guess being 21 or over (which I guess you are) you don't really have the same problems.

[Cammy]

I for one would love to have my mods declared, but have the choice of not having them covered (which is why you pay more)

[dj_russell]

no i dont have any issues at all now im fully legal but im all for defending the younger ones i remember what it was like your heart going all raced up you want something cool.

[benJee_VTR]

Doesn't make sense. If i want to insure my VTR with all mods declared: £2000 plus. If i dont want to insure the car and get caught: measly fine plus 6 points. Obviously i pay through the nose for my insurance as im 19, but i can see why people don't bother with it. The amount of people you see on shows like Street Crime UK etc who get caught without insurance/mot/tax and get a small fine and points.

For instance, a friend of mine was driving his mates car, uninsured, drunk, speeding, no license, no seatbelts on. Owner of the car asleep in the back seats. He crashed into traffic lights and the police were called. He got a £200 fine and 6 points (on a license he doesnt even have) and i'm made to pay £1600 insurance first year £1435 the next year insurance, £100 odd quid tax every 6 months, £40 MOT a year, £100s in lessons, £80 test, £30 theory test. Just to drive a car that i like.

[dj_russell]

Ha bloody Ha!!

Whats the government got to do with this?

Its pretty black and white this. Tell your insurance about mods and theyll cover you. Keep mods from them and they have every right to refuse you cover in the event of you needing it.



Im a walkover then, but im insured;)

well what the government has to do with this is little jonny wants to insure a 1.4 with nice wheels maybe a bodykit and exhaust, but hes 17 years old and at college he cant afford to pay 10k a year as his parents arnt millionaires like some of the members parents on here so he can tell a lie and pay 2k insuring it in his dads name and drive round making sure he behaves himself and doesnt get pulled for being a cock.

hes then becoming a fraudster as hes commiting fraud and paying 8k less,

gordon brown wants a new bathroom 20k worth of expensive tiles from asia he also wants a marble worktop for his kitchen costing 10k

whos paying because hes not, thats 30k out of our money but hes aloud to do it and you all wont even know its going on as its behind closed doors thats 30k out of puyblic spending 30k out of health care and thats minor compared to what really is taken out of our money.

nobody has anything to say on that but they have something to say on some respectable youngster trying to make ends meat and have some enjoyment in his life and something to work for and the main man running this countrys commiting fraud on a massive scale, he should be reported to the police but he has them in his pocket.

other option for not commiting fraud and affording stupid insurance is sell drugs and pay that way its simple and id do it if they made my insurance that impossible to insure...if in the end they make modded cars as a whole 40k to insure are you lot going to pay that? what about the day modded cars are banned completely youll all say well thats that then because its now illegall youll give up because i wont i will do whatever is necaserry to carry on enjoying my hobby.

[Saxo-SX]

no i dont have any issues at all now im fully legal but im all for defending the younger ones i remember what it was like your heart going all raced up you want something cool.

Some of the prices the companies give you for modifications is ridiculous.

My insurance was pretty fair and only charged £60 for adding a spoiler. But when it comes to other things such as alloys, tints etc, the prices are ridiculous. My insurance company , added £1,000 (many companys charged even more) just if I wanted to lower my car, and £300 if I want to tint it.

They say the insurance goes up as It increases the chance of it getting stolen.

If I was say 30 and wanted to lower my car + tints, it would add say £150 max on.
Im 18 and want to lower my car + tints and it adds £1,300 on.

So because im 18 theres more chance It will get stolen then?

They do take the piss.

But unfortunately thats the law, and theres nothing we can do about it no matter how much ranting etc we do. :n:

Just think, If you crash in to some Brand new £30,000+ car, and youve got undeclared mods..... You are quite frankly, Fucked.

[ryhornvtr]

well what the government has to do with this is little jonny wants to insure a 1.4 with nice wheels maybe a bodykit and exhaust, but hes 17 years old and at college he cant afford to pay 10k a year as his parents arnt millionaires like some of the members parents on here so he can tell a lie and pay 2k insuring it in his dads name and drive round making sure he behaves himself and doesnt get pulled for being a cock.

hes then becoming a fraudster as hes commiting fraud and paying 8k less,

gordon brown wants a new bathroom 20k worth of expensive tiles from asia he also wants a marble worktop for his kitchen costing 10k

whos paying because hes not, thats 30k out of our money but hes aloud to do it and you all wont even know its going on as its behind closed doors thats 30k out of puyblic spending 30k out of health care and thats minor compared to what really is taken out of our money.

nobody has anything to say on that but they have something to say on some respectable youngster trying to make ends meat and have some enjoyment in his life and something to work for and the main man running this countrys commiting fraud on a massive scale, he should be reported to the police but he has them in his pocket.

other option for not commiting fraud and affording stupid insurance is sell drugs and pay that way...

Sorry, where is gordon commiting fraud fitting a new bathroom? You still havnt said what the government has to do with you arguement regarding insurance. Massive insurance increases dont go 100% to the government like you seem to want to think, theyll get the same VAT & TAX rate as any other stuff you buy.

Yeah you can lie on insurance to make it cheaper, but its pointless because it voids the terms of the contract, thus you are not insured.

If you cant afford it, dont have a car. Simples.

[ryhornvtr]

If I was say 30 and wanted to lower my car + tints, it would add say £150 max on.
Im 18 and want to lower my car + tints and it adds £1,300 on.

So because im 18 theres more chance It will get stolen then?



No.

Youre 18 and 'modding' your car, theres a higher chance you'll park in a ditch.

[Ashleyp]

Anything for extra money!

Cunts,

Complete cunts,

no, its their job

[Cammy]

more idiots that are over 21,for the fact they can now get a hot hatch like a glanza or a GTI-R for cheap money and think they can drive... insurance is just as cheap for them

one thing that really pisses me off is the fact my best friend crashed his R6 whilst drunk, and he got a 1 year ban, and a fine. He then gets told he will get a chance to go on a drunk driving course which is only avalible to people that have been caught and charged for that offence. He was paying £2,600 for his insurance with 0 nc... after the course he was only £900, he now owns a £12k R1 and is cheap as shit for that too...

maby we should all get drunk and go on that course?... because im paying more than lawbreakers.

[AXracing]

well what the government has to do with this is little jonny wants to insure a 1.4 with nice wheels maybe a bodykit and exhaust, but hes 17 years old and at college he cant afford to pay 10k a year as his parents arnt millionaires like some of the members parents on here so he can tell a lie and pay 2k insuring it in his dads name and drive round making sure he behaves himself and doesnt get pulled for being a cock.

hes then becoming a fraudster as hes commiting fraud and paying 8k less,

gordon brown wants a new bathroom 20k worth of expensive tiles from asia he also wants a marble worktop for his kitchen costing 10k

whos paying because hes not, thats 30k out of our money but hes aloud to do it and you all wont even know its going on as its behind closed doors thats 30k out of puyblic spending 30k out of health care and thats minor compared to what really is taken out of our money.

nobody has anything to say on that but they have something to say on some respectable youngster trying to make ends meat and have some enjoyment in his life and something to work for and the main man running this countrys commiting fraud on a massive scale, he should be reported to the police but he has them in his pocket.

other option for not commiting fraud and affording stupid insurance is sell drugs and pay that way its simple and id do it if they made my insurance that impossible to insure...if in the end they make modded cars as a whole 40k to insure are you lot going to pay that? what about the day modded cars are banned completely youll all say well thats that then and give up because i wont i will do whatever is necaserry to carry on enjoying my hobby.

lol are you taking the piss? Are you really trying to say its young people rights to drive modified cars and we have to pay insurance for them?

[Saxo-SX]

I understand where your coming from, as they may think im a boy racer, meaning im more likely to drive fast.

But I could drive like that without the alloys, and without the car lowered.

And if its because they think im a boy racer, why add £60 for a spoiler, but then if I remove the spoiler and add tints or lowered car instead, it jumps up a ridiculous amount.

[dj_russell]

Sorry, where is gordon commiting fraud fitting a new bathroom? You still havnt said what the government has to do with you arguement regarding insurance. Massive insurance increases dont go 100% to the government like you seem to want to think, theyll get the same VAT & TAX rate as any other stuff you buy.

Yeah you can lie on insurance to make it cheaper, but its pointless because it voids the terms of the contract, thus you are not insured.

If you cant afford it, dont have a car. Simples.

oh the government has fuckall to do with it really being associated with insurance as a whole, but they get a nice sum from it all like they get from everything else.

i was simply saying whys everyone being so harsh on somone who wants to not break the law but is forced to a little when the person running this country breaks all the laws running when it suits them?

why should anyone be legal when they arnt and that includes all the mps their lies cost billions?

id like to see genuine figures for people who are honest but that dont insure there car correctly about bumping peoples insurance up because its bollocks its a smoke screen just like all the other figures this country compiles on anything.

its even bullshit about younger drivers being more dangerous if there was truth wed see the figures evening out a bit on both sides.

the whole system and the people running this country is all corrupt including insurance as they play a very big key part themselves in everyday life for most of the people living in this country you need insurance in doing anything going to work, in the car, life cover cover on your house etc....

do some research, you tell me do you think all the figures you hear about everything do you believe them because i know they are not true. same with unemployment those figures are lies the true figure is more than what they are saying.

[Ashleyp]

this threads becoming pretty pointless, its simple

declare mods & be coverd
dont declare and dont get a payout

if you dont like it then change company

you need the insurance more than the insurance needs you

insurance is a risk remember, theyre gambling on weather they'll have to pay out or not, hence different prices for different reasons

[furiomike]

it would be easier for them to browse picture threads on these boards. they could nail endless people that way. walking round doing it in public sounds expensive.

[AlexR]

When i was 19 i got insured with adrian flux. Cost me £15 to add lowering onto a vts policy, that was just an admin fee. Same for induction kit and exhaust! £15 in one go to add several modifications. NOT £1000

If you intend upon modifying your car, go with a company that will insure the mods, a specialist...

[dj_russell]

more idiots that are over 21,for the fact they can now get a hot hatch like a glanza or a GTI-R for cheap money and think they can drive... insurance is just as cheap for them

one thing that really pisses me off is the fact my best friend crashed his R6 whilst drunk, and he got a 1 year ban, and a fine. He then gets told he will get a chance to go on a drunk driving course which is only avalible to people that have been caught and charged for that offence. He was paying £2,600 for his insurance with 0 nc... after the course he was only £900, he now owns a £12k R1 and is cheap as shit for that too...

maby we should all get drunk and go on that course?... because im paying more than lawbreakers.

ive had this argument aswell i agree with you, you face harsher penaltys by NOT EVEN crashing a car and getting just caught over 100mph, than you do for drink driving and crashing into somone else.

i know this because i was involved in a crash with a drunk driver who tried to leave the scene twice but second time she crashed again the car had no wheels toi get away.

you crash while under the influence of alcohol you dont have to retake your test if you go on an awareness course and youll probably just get 6-9 months ban.

you get caught doing over 100mph on a motorway you face loosing everything and having to retake your test again and a longer ban.

[Saxo-SX]

As much as I like to modd the car completely, I just think about how much I'd regret it if I did end up getting my insurance voided, and having to foot the bill for someone elses car.

Just for the sake of some alloy wheels.

Just wait, get a couple of years no claims, then enjoy.

[AXracing]

i was simply saying whys everyone being so harsh on somone who wants to not break the law but is forced to a little when the person running this country breaks all the laws running when it suits them?

If they did not wish to brake the law and could not afford the insurance on a modified car then why did they not leave the car standard? Its not as if any one held a gun to there head and said you must modify your car then drive it round on the streets now did they?

[dj_russell]

because its called a hobby, some people like to collect stamps, some people like to do offroading, some people like to go fishing etc... was that not the whole point in modifieing cars? or does everyone just mod cars now because everyone tells them to do it? i mod cars because i want to do it its in my blood i was bought up to love all things automotive thats my whole point in going to work to spend time on my pride and joy who id like to add is insured legally.

why shouldnt an 18 yearold be aloud to enjoy that same right that ive got? id of been on the dole if i couldnt mod my car whats the point in going to work i dont want to spend my money on anything else apart from a new jet ski soon which again falls under the same type of fun ban catagory?? the reason why im so outspoken on it all is because its not just modding cars thats getting a joke its any of my hobbys launching the power boat down the beach or taking the jet ski to the beach late at night its all becomming impossible to do.

so i will have my say once all my hobbys have been took off me what do i have to live for?? and whats everyone go to work for because i do not want to just go to work to buy a house at the end of it. and thats what its becomming and this thread relates to any sort of hobby that is what it becomes in the end nothing no matter how old you are everything will be banned.

[ryhornvtr]

Im not going to argue this anymore, im bored of it.

Ignorance is bliss.

Thread done.

[RobVT]

i wonder if he declared his 'ghey' tattoo too lmao

thats abit of a personal attack ain't it ?

im all for declaring mods, but some of the posts in here are fucking cringeworthy

its like the lad kidnapped and sexually abused Madeline Mcann(sp)
all he done was lied (lied is abit strong ill use forgot) to his insurance, ive known people who never even had a license (so glad they got caught) they where some of the nicest people i knew but id never get in a car with them, but people who dont even try to get a license and driver around deserve to be shot.


but no doubt the sax-p firing squad will come and hunter the poor lad down (im sure i saw your car elliot at pickering, I had a vtr with green wheels :) )

[AXracing]

Don't think any one was really having a go at Elliott. More aimed at the people who cant see the problem with what he did. At least that what was I intended. We all make mistakes after all and I am glad he posted this on here. Hopefully people will see you really do have to declare everything on your vehicle and always stay legal.

[furio09]

say it wernt you
your number has been copied!/cloned

[Elliott]

AlexR you seem like a cunt
Lockthread.
thnx!

[Elliott]

i wonder if he declared his 'ghey' tattoo too lmao

Post reported.

[Bickerton]

AlexR you seem like a cunt
Lockthread.
thnx!

Can assure you he isn't.

All he seems to be doing is explaining that you need to declare mods else you have void insurance and that if you are unwilling to do so you should leave your car standard and legal to save any problems. Also that fronting is also an offence and will void your insurance.
Final point is that if you don't declare to new insurers that you have had insurance cancelled, again, you are voiding your insurance, and if you do declare it your premium will be higher or unable to even insure you

[Alex_Oldroyd]

this is quite a thread, very amusing and by elliots original post, all he was doin was making people aware that insurance companies are running checks. If anything he was enforcing the fact that people should declare there modifications.

Insurance is ridiculous however, when i was younger i had a 1.2 punto with full bodykit, alloys, exhaust, lowered, induction kit, custom smoothing, all the mashings and the insurance bummed me for it BIG TIME. I decided to put on a high quality alarm and immobilizer to secure my pride and joy, i paid 800 pounds for the alarm, fitting and the finance in total, it was a clifford concept 650 fitted by an insurance approved company and it didnt make a penny difference to the premium, how the fuck does that work!!!!!???

[Bickerton]

I decided to put on a high quality alarm and immobilizer to secure my pride and joy, i paid 800 pounds for the alarm, fitting and the finance in total, it was a clifford concept 650 fitted by an insurance approved company and it didnt make a penny difference to the premium, how the fuck does that work!!!!!???

It's not the theft that's the issue for younger drivers really, it's the high percentage of accidents/claims vs all other age groups

[AXracing]

Final point is that if you don't declare to new insurers that you have had insurance cancelled, again, you are voiding your insurance, and if you do declare it your premium will be higher or unable to even insure you

Very good point and so true. Once its happened it stays or record forever with you.

[Alex_Oldroyd]

It's not the theft that's the issue for younger drivers really, it's the high percentage of accidents/claims vs all other age groups

Very true, if somebody wants to nick your car there gunna have it no matter what, a fancy alarm just means theyll cause more damage doin so

[Bickerton]

Very good point and so true. Once its happened it stays or record forever with you.

Iirc the forms for insurance word it :-

Have you ever had insurance cancelled

[KamRacing]

Iirc the forms for insurance word it :-

Have you ever had insurance cancelled

pretty certain that was how mine was worded.

At the end of the day if you purchase a car thats desirable / high performance / popular with young people who end up in ditches.. then you are going to pay a premium on your insurance.

When I got my first car I expected the premiums to be high and allowed for it. Pretty much all my wages went on keeping it on the road.

Have always declared my mods whatever the cost. If the mods put up the premium then you just have to get better at buying insurance.

Its not a con or a government conspiricy.. you have a choice. If you are in a high risk area, age group and choose a high risk car then you can't really complain when the insurance premium is high!

[Chr15]

Still shit how it works.

Our 14ft Ifor Williams trailer was nicked from work not long ago. We've had it 13 years and only recieved £1700 for it, dispite paying £xxx over the 13 years. We still had a struggle to get that figure off them.

[KamRacing]

Iirc the forms for insurance word it :-

Have you ever had insurance cancelled

pretty certain that was how mine was worded.

At the end of the day if you purchase a car thats desirable / high performance / popular with young people who end up in ditches.. then you are going to pay a premium on your insurance.

When I got my first car I expected the premiums to be high and allowed for it. Pretty much all my wages went on keeping it on the road.

Have always declared my mods whatever the cost. If the mods put up the premium then you just have to get better at buying insurance

[jallen]

:S no more needs to be said :P .....

[Luke]

How is AlexR a c**t? He his merely stating the points.

When I got the VTS about 3 months ago, I made sure I insured it with a specalist company who specalised in my needs. I'm with Brentacre, 130bhp capped limit and UNLIMITED modifications aslong as it's not the engine for free.

It doesn't matter how big or small the modification is, tell the company. I even told Brentacre about the suspension bushes been upgraded lol.

[Ben]

Jesus. Mass debate, unlucky dude. To all the others this is a warning to you all :)

[AlexR]

Cunt indeed, proud of it too :D

At least i'm legal ;)

[Dazed]

To be fair, AlexR calling him a bellend is a bit out of order. So what if he hasn't declared his mods or is fronting on his car insurance? Hardly makes him a bad person now does it? It's his choice, he can do what he wants and now he's seen it was a bad idea I doubt he'll make the same mistake again.

Imo the whole insurance thing is a complete scam and the fact that EVERYONE who drives has to have insurance BY LAW means that they can do what they want seeing as it's a neccessity for everyone who uses public roads.
For instance NCB can now only be used on one car rather than 2? So if you have 5 years NCB and you want to insure 2 cars, you can only insure 1 car with the 5 years NCB and you have to start off with no NCB on the other car? The likleyhood of you crashing your car is the same on both cars yet you only get the discount on one?

I thought NCB were supposed to show that you are a safe and trusted driver with experience? Another reason why insurance is a scam.
Another thing I don't like is how they will quite easily give you an insurance policy just so they have your money in their account and then they will choose not to pay out because you have alloys instead of standard steels? And if you're fully comp and they cant find a loophole they will offer you the smallest amount possible to compensate for your smashed up car.

And for modifications? Let's be honest, as long as the mods dont make the car more powerful you can drive your car just as dangerously with or without an aftermarket backbox or tinted lights. If you dont declare them they should just not take into account those particular parts when they pay out, simple.

[Tony]

Alex you could have written your admission better so it makes for a better sig quote.

Tisk.

[AlexR]

I'm sorry to disappoint Tony! I'll try harder next time.

As for doing what he wants, no he can't. Rules and laws are there for a reason, to protect one person from the actions of someone elses.

Putting this into practice. Say elliott had a blow out on the motorway, not even his fault. He then crashes into me(say i'm insured 3rd party). It causes a pile up. The police will come out to investigate, as will the insurance company. They will find his car to be modified and him not insured. I will then have to shell out money from my own pocket to fix my car(which would probably be a write off) and the insurance for everyone else in that accident will be fucked too as the person that caused it is uninsured...

So his actions could affect a lot of other people and going back to the reason for rules and laws, that's the reason why insurance is compulsory.

[Karl]

fucking lol.
people are cunts for abiding to the laws.

[AXracing]

As for doing what he wants, no he can't. Rules and laws are there for a reason, to protect one person from the actions of someone elses.

Putting this into practice. Say elliott had a blow out on the motorway, not even his fault. He then crashes into me(say i'm insured 3rd party). It causes a pile up. The police will come out to investigate, as will the insurance company. They will find his car to be modified and him not insured. I will then have to shell out money from my own pocket to fix my car(which would probably be a write off) and the insurance for everyone else in that accident will be fucked too as the person that caused it is uninsured...

So his actions could affect a lot of other people and going back to the reason for rules and laws, that's the reason why insurance is compulsory.

Agree Completely. And for the idiots that then well its no my problem lets not forget it is actually against the law and you are liable for the damage to the other vehicles, the road way network and any injuries. Even a relatively small crash with no fatalities can be hundreds of thousands even millions is not unknown. Even though there is no way in hell you could pay it there will be a massive black spot and you will never get a morgue, loan or credit card again for a very long time. It will also make it impossible to do many jobs in hospitals, dentistry, law, fire department, police, schools, child minding, pilot or banking to name a few.

[rob_s]

why i used to always blank the reg no's off my old saxo and had a show plate with just rob s onit if at a show or meet where they are known checks

[littleracer]

AlexR isnt a cunt (BTW elliott why did you report my post,when you just attacked someone else much worse,and you must feel soooo big and hard for using the 'c' word!well done you,prick.)

Can someone tell me why they would bother having an insurance policy if nothing is declared,your wasting your money really as the insurance will not pay out if you have done anything to your car.

to all the people who think young people get it hard and don't need to tell the insurance all there mods,think about this.

If you hit another car and your insurance isn't gonna pay because you got it lowered or zorst etc it will be upto you to pay for the repair's.

If god forbid you hit a person and cripple/kill them,and the insurance finds out you have modded your car but they arent aware,it's gonna be down to you to pay/provide his family.

and if you cant even afford to insure your car legit,love to see how youd pay for the above!

just some food for thought.

[littleracer]

I'm sorry to disappoint Tony! I'll try harder next time.

As for doing what he wants, no he can't. Rules and laws are there for a reason, to protect one person from the actions of someone elses.

Putting this into practice. Say elliott had a blow out on the motorway, not even his fault. He then crashes into me(say i'm insured 3rd party). It causes a pile up. The police will come out to investigate, as will the insurance company. They will find his car to be modified and him not insured. I will then have to shell out money from my own pocket to fix my car(which would probably be a write off) and the insurance for everyone else in that accident will be fucked too as the person that caused it is uninsured...

So his actions could affect a lot of other people and going back to the reason for rules and laws, that's the reason why insurance is compulsory.

agree 100%

[Bickerton]

I did a random quote on my car based upon cancelled insurance and not, other than admiral group it went up alot over 100% for some!, and i know tis only a few hundred but thats a massive percentage increase vs my normal premium ie double my normal premium and this will stay on your insurance history forever! all for the sake of not wanting to be straight with your insurance company with some lights and alloys.
My quote was based upon me being 31 with 13 years driving experience

I really recommend trying everything you can to get them to continue to insure you matey even if it cripples you financially as this will never go away.

Original quote :-

http://i130.photobucket.com/albums/p278/taximan19/1-1.jpg

The Big Question :-

http://i130.photobucket.com/albums/p278/taximan19/3.jpg

The Result :-

http://i130.photobucket.com/albums/p278/taximan19/2-1.jpg

Bad times :(

[kenny]

this thread delivered lolz.

If you want to mod your car use a specialist insurer that knows about modifications. Much easier and cheaper as they know what will and will not increase performance.

[AXracing]

I did a random quote on my car based upon cancelled insurance and not, other than admiral group it went up alot over 100% for some!, and i know tis only a few hundred but thats a massive percentage increase vs my normal premium ie double my normal premium and this will stay on your insurance history forever! all for the sake of not wanting to be straight with your insurance company with some lights and alloys.
My quote was based upon me being 31 with 13 years driving experience

I really recommend trying everything you can to get them to continue to insure you matey even if it cripples you financially as this will never go away.

Original quote :-

http://i130.photobucket.com/albums/p278/taximan19/1-1.jpg

The Big Question :-

http://i130.photobucket.com/albums/p278/taximan19/3.jpg

The Result :-

http://i130.photobucket.com/albums/p278/taximan19/2-1.jpg

Bad times :(

Very nice bit of research there Bickerton :y:

[MikeCracknell]

To be fair, AlexR calling him a bellend is a bit out of order. So what if he hasn't declared his mods or is fronting on his car insurance? Hardly makes him a bad person now does it? It's his choice, he can do what he wants and now he's seen it was a bad idea I doubt he'll make the same mistake again.

It doesn't mean he's a bad person, but it is people similar who are effectively driving about with no valid insurance that makes it more expensive for the rest of us. It is ridiculous how alloys can cause a policy to be cancelled I agree.

You live and learn. I got attempted car jacked back in January and despite the witnesses, my insurance had to pay out and i lost 3 years NCB.

You live and learn :)

[AXracing]

It doesn't mean he's a bad person, but it is people similar who are effectively driving about with no valid insurance that makes it more expensive for the rest of us. It is ridiculous how alloys can cause a policy to be cancelled I agree.

You live and learn. I got attempted car jacked back in January and despite the witnesses, my insurance had to pay out and i lost 3 years NCB.

You live and learn :)

That will be because the car jacker was not insured. If the police got him you can always sue him. I general hate the sue culture but I make acceptions for criminals.

[tinytim6666]

just declair your mods its just some much easyer. you will pay a little more but wat if your car gets stolen you want everthin to be covered.
anyone got any good advice on specailst insurance people for modifications??

[littleracer]

just declair your mods its just some much easyer. you will pay a little more but wat if your car gets stolen you want everthin to be covered.
anyone got any good advice on specailst insurance people for modifications??

Adrian Flux really good.

[tinytim6666]

cheers fella

[AlexR]

Adrian flux
HIC
Performance Direct
Greenlight

etc

[KamRacing]

It is ridiculous how alloys can cause a policy to be cancelled I agree.

not really .. what it boils down to is fraud

[MikeCracknell]

not really .. what it boils down to is fraud

I suppose alloys could make the car more of a target for being attcked depending on how desireable to the alloys are

[AlexR]

They alter the roadholding characteristics, they could have a totally different tyre profile fitted to the correct one(causing rubbing, incorrect speedo etc) or could be the wrong offset. They make the car much more desirable to theives as well. They do alter the insurance risk of the car.

[kevin_172]

you look at my car for example... if i insured it with NO MODS i would have saved just shy of £400...... but then i would be a bell end for doing it!!! I love my car (when it works) and will pay the prices i have to and make sure its legal! and people wonder why our insurence goes up each year!!!!!! cocks TBH

[dj_russell]

can i say 1 thing rules and laws arnt there to protect people, anyone believing that is fucking dumb. maybe to start thats what they were in place for now its about control and not having freedom of movement.

also i want to say i dont insure my car and mods honestly because i want to be honest i only do it so vosa and the police can suck my dick theres no debating they they can gtfo. and that is the only reason why i do it. anyone who insures there car honestly other than that reasons even more of a prat.

also another thing if 1 day i get car jacked in birmingham my insurance wont pay out so why did i bother insuring the car hoinestly?

[kevin_172]

righhhht so you dont declare your mods and you have a crash... i then have to pay for MY repairs as YOUR insurence company wont pay out. saying stuff like that just makes my blood boil!

[Ashleyp]

can i say 1 thing rules and laws arnt there to protect people, anyone believing that is fucking dumb. maybe to start thats what they were in place for now its about control and not having freedom of movement.

also i want to say i dont insure my car and mods honestly because i want to be honest i only do it so vosa and the police can suck my dick theres no debating they they can gtfo. and that is the only reason why i do it. anyone who insures there car honestly other than that reasons even more of a prat.

also another thing if 1 day i get car jacked in birmingham my insurance wont pay out so why did i bother insuring the car hoinestly?

You are possibly the most un-intelligent person who's post ive ever had the displeasure of reading.

[dj_russell]

you look at my car for example... if i insured it with NO MODS i would have saved just shy of £400...... but then i would be a bell end for doing it!!! I love my car (when it works) and will pay the prices i have to and make sure its legal! and people wonder why our insurence goes up each year!!!!!! cocks TBH

come again????? ay youve lost me pal??? the people that bump insurance up are the ones who dont insure at all so your under false pretences thereits a smoke screen that one is that modded cars with undeclaired mods push insurance up.

its a smoke screen as a whole they bump it up because they are greedy then make an excuse for it, but real uninsured drivers who drive without licence,insurance,mot and tax they are the ones. but again you tell me this if the insurance DOESNT PAY OUT then why does INSURANCE THEN GET BUMPED UP HIGHER, WHEN THEY HAVE REFUSED TO PAY OUT so its not cost them anything its cost the driver not them???

[dj_russell]

also my last post sounded wrong i meant i insure my mods and car correctly but i only do it because theres no argument or dispute with the law when im pulled they can fuck off in my eyes if im paying twice what i was for insuring it correctly.

[dj_russell]

righhhht so you dont declare your mods and you have a crash... i then have to pay for MY repairs as YOUR insurence company wont pay out. saying stuff like that just makes my blood boil!

that would be false though unless you opened your mouth to the insurance questioning if my mods were insured and they wasnt theyd pay out as noone else this end has had problems in crashes with undeclaired mods

[Bickerton]

They aren't greedy they don't like modded cars and the higher premium helps to stop some people modding them.
An Incorrectly insured vehicle is as bad as not having insurance atall

[dj_russell]

You are possibly the most un-intelligent person who's post ive ever had the displeasure of reading.

why? i look into stuff 1st and im not the one whos easily lead by the rules and government. i always put a debate up for stuff i dont agree with.

hows about this if they were fair then why could i not find an insurance company that charged me the same for insurance but wouldnt pay out for any mods???

because thats too easy that wouldnt earn them extra money in their pocket that way.

[MattySmith]

im sorry if im a bit harsh but its your fault for not declairing stuff on your motor i know if someone run into the side of me and they said there car was standard and it wasnt and i got nothing off there insurance what a hiding they would get, its not worth not declairing the stuff you have done to your motor!!

[dj_russell]

They aren't greedy they don't like modded cars and the higher premium helps to stop some people modding them.
An Incorrectly insured vehicle is as bad as not having insurance atall

but it dont though as prooved because people then who want to mod their car then will just do it regardless so it isnt stopping people modding them its making them higher on the scale than a rapist.

[Chr15]

What no SaxBuild in this thread? :panic:

[Ashleyp]

why? i look into stuff 1st and im not the one whos easily lead by the rules and government. i always put a debate up for stuff i dont agree with.

hows about this if they were fair then why could i not find an insurance company that charged me the same for insurance but wouldnt pay out for any mods???

because thats too easy that wouldnt earn them extra money in their pocket that way.

again, a ridiculously thick answer

the reason modded cars = higher insurance has been stated a million times, in the insurance companys eyes, your more likley to crash, regardless of if they have to pay out for mods, theyd still be paying for your car to be fixed.

also the theft value of it, car broken into = insurance pay out

insurance companys are businesses they do NOT want to pay out for anything.. modding increases the chances of them having to pay out

i think you need to look into stuff more before making up untrue statements regarding how the countries insurance is run (which incidently, isnt run by the government as you seem to think)

[Bickerton]

why? i look into stuff 1st and im not the one whos easily lead by the rules and government. i always put a debate up for stuff i dont agree with.

hows about this if they were fair then why could i not find an insurance company that charged me the same for insurance but wouldnt pay out for any mods???

because thats too easy that wouldnt earn them extra money in their pocket that way.

but it dont though as prooved because people then who want to mod their car then will just do it regardless so it isnt stopping people modding them its making them higher on the scale than a rapist.

When you take out insuranceyou sign paperwork, that is a contract, if you alter your can without telling them that is breach of contract so they do not have to honor it, with them not honoring it you (the driver) has no insurance end of, there is no "debate" to be had on this subject!

You agree to their terms and conditions, if you were the insurance company you would be the same unless you just planned on running the company into the ground and goin bust in less than a week

[dj_russell]

and your telling me you agree with the fact modding a car makes you more dangerous on the roads??? most 17-18 yearolds arnt going to be affording any drastic performance increases anyway whats an exhaust and a filter going to do to a 1.4 lol, and if they are putting a bodykit and alloys on it surely it means they would then drive far safer than if they had a standard car that it doesnt matter about banging up curbs and parking. when i had my kit i was always a carefull driver as 1 touch of the speedbumps ccould be 100-200 quid with splitting the kit.

i dont think people are understanding what im on about yes im all for being correct but they are 1 sided and i dont agree with it and surely everyone shouldnt as they are playing very unfairly.

all it boils down to is 1 day you wont be able to drive till your 30 years old as the rules will get stricter and stricter.

i policy where insurance only pays out for standard bits or only pays out for the other car should be invented if they wanted to play fair but they wont do that because they dont want to as then insurance will be cheaper and they wont make as much.

[Bickerton]

and your telling me you agree with the fact modding a car makes you more dangerous on the roads??? most 17-18 yearolds arnt going to be affording any drastic performance increases anyway whats an exhaust and a filter going to do to a 1.4 lol, and if they are putting a bodykit and alloys on it surely it means they would then drive far safer than if they had a standard car that it doesnt matter about banging up curbs and parking. when i had my kit i was always a carefull driver as 1 touch of the speedbumps ccould be 100-200 quid with splitting the kit.

i dont think people are understanding what im on about yes im all for being correct but they are 1 sided and i dont agree with it and surely everyone shouldnt as they are playing very unfairly.

Not atall, the age group you mention have time and time again proven why their premiums are soo much, a shiny bodykit will not stop people driving like a dick

[Ashleyp]

and your telling me you agree with the fact modding a car makes you more dangerous on the roads??? most 17-18 yearolds arnt going to be affording any drastic performance increases anyway whats an exhaust and a filter going to do to a 1.4 lol, and if they are putting a bodykit and alloys on it surely it means they would then drive far safer than if they had a standard car that it doesnt matter about banging up curbs and parking. when i had my kit i was always a carefull driver as 1 touch of the speedbumps ccould be 100-200 quid with splitting the kit.

i dont think people are understanding what im on about yes im all for being correct but they are 1 sided and i dont agree with it and surely everyone shouldnt as they are playing very unfairly.

all it boils down to is 1 day you wont be able to drive till your 30 years old as the rules will get stricter and stricter.

your not paying unfairly though. if you dont like it, change insurance company, theres plenty out there...

i never said i "agree" with it, but you have to accept that the insurance companies are right.. for the reason theyre a business, and dont want to take a risk just because someone wants to mod their car

another stupid statement by yourself "whats a air filter going to do to a 1.4" well, we all know it wont do much if anything, but because of the halfrauds scene, most boy racers will have a k&n fitted y0

its not about affording drastic performance increases, the simple fact is, in the companies eyes, a modded car = higher risk

to cover this risk, a higher price is paid

[dj_russell]

take that out the equasion and invent a policy where if you want to drive a modded car and you crash into somone else your car doesnt get paid out but the other drivers does, or same if your crashed into that takes out all the arguments then. your insured correctly and everyone gets paid out but you, id of gone with that at a young age everyones happy and youd drivce safer knowing you will not get paid out in the event of a crash.

but again they will not do this because then they are loosing money. you cant say fairer than that why is there not one in place????

[Ashleyp]

take that out the equasion and invent a policy where if you want to drive a modded car and you crash into somone else your car doesnt get paid out but the other drivers does, or same if your crashed into that takes out all the arguments then. your insured correctly and everyone gets paid out but you, id of gone with that at a young age everyones happy and youd drivce safer knowing you will not get paid out in the event of a crash.

but again they will not do this because then they are loosing money.

its called 3rd party lol... noob

and theyres a higher chance you will crash, if its into someone else, they have to pay for it, regardless of weather they pay for your car or not

i dont see why you cant understand simple logic...

[Bickerton]

This is a programme done by a charity, not some government body wanting to suck out your brain in some random conspiricy theory!

EDIT- Linky didn't work, look up "brake" they are a road safety charity

[dj_russell]

its called 3rd party lol... noob

and theyres a higher chance you will crash, if its into someone else, they have to pay for it, regardless of weather they pay for your car or not

i dont see why you cant understand simple logic...





its not though because the fact you have modded the car has still put it up so its not the same as 3rd party.

modding a car or standard makes fuckall difference if your going to drive like a maniac anyway, id of just thought putting a nice set of wheels on the car might make you a bit more responsible.

[dj_russell]

also look at the other scenes around the world if people abided by the rules the amount of things that wouldnt be around now.

[Ashleyp]

its not though because the fact you have modded the car has still put it up so its not the same as 3rd party.

modding a car or standard makes fuckall difference if your going to drive like a maniac anyway, id of just thought putting a nice set of wheels on the car might make you a bit more responsible.

it is the same as 3rd party

the reason 3rd party insurance goes up when you mod a car is that your more likley to crash, more likley to crash means the insurance co. has to pay out for the damage on someone elses car!

seriously, whats so hard to understand

as paul said, its not a conspiracy theory..

[Saxo_theedge]

I can see where dj_rusell is coming from. But insurance is a gamble and they captilise on the fact we have to have insurance, and their not going to give you the benefit of the doubt when it comes to cost.

Are insurance robbing bastards- yes! Can we do anything about it- no! Its a shit situtation but the rules are their to benefit us all in the worse case scenario- ie one of us is injured and needs compensation. Everything is done by the book so that it stands up in court, its a sueing culture and insurance is a buisness, and doesnt want to have to pay out just because it gave a 17 yr old lad the benefit of the doubt when they insured him. I do agree that there should be a policies where your modified car is drivin with no modifications covered, ie if you crash you loose all your money invested, but everyone still gets a pay out. You could make this safe by combining it in your MOT, for example you pay slighty more for the mechanics to check your car and then sign of that it is safe for the road, along with your MOT. Just an idea.

But...its the same with anything in this country, we get ripped off with everything. And only the well off/upper class can afford it.

[Jazz]

Unlucky to get picked up on that tbh, maybe the insurer's excuse is that with those cosmetic mods you're more likely to attract bad attention by thieves/chavs/boy racers etc.

[Ashleyp]

I can see where dj_rusell is coming from. But insurance is a gamble and they captilise on the fact we have to have insurance, and their not going to give you the benefit of the doubt when it comes to cost.

Are insurance robbing bastards- yes! Can we do anything about it- no! Its a shit situtation but the rules are their to benefit us all in the worse case scenario- ie one of us is injured and needs compensation. Everything is done by the book so that it stands up in court, its a sueing culture and insurance is a buisness, and doesnt want to have to pay out just because it gave a 17 yr old lad the benefit of the doubt when they insured him. I do agree that there should be a policies where your modified car is drivin with no modifications covered, ie if you crash you loose all your money invested, but everyone still gets a pay out. You could make this safe by combining it in your MOT, for example you pay slighty more for the mechanics to check your car and then sign of that it is safe for the road, along with your MOT. Just an idea.

But...its the same with anything in this country, we get ripped off with everything. And only the well off/upper class can afford it.

lots of very good points there imo

there are insurance policies where so long as you declare mods its fine, they will not be coverd in cost though..

but you have to understand, as youve said its a gamble and business for them, and they must increase the price to cover the higher risk of a modified car.

theyre not charging extra for the mods, theyre charging extra to cover the risk

[Bickerton]

also look at the other scenes around the world if people abided by the rules the amount of things that wouldnt be around now.

Alot of countries don't allow any non factory modifications btw ;)

[Saxo_theedge]

lots of very good points there imo

there are insurance policies where so long as you declare mods its fine, they will not be coverd in cost though..

but you have to understand, as youve said its a gamble and business for them, and they must increase the price to cover the higher risk of a modified car.

theyre not charging extra for the mods, theyre charging extra to cover the risk

Yep, i understand its the risk factor their covering not the cost of parts.

I wasnt aware their is insurance where your premium is not affected, but the you loose all the money in mods. I take it you must be a certain age and have a certain amount of NCB for this though? Is this with Adrian Flux?

[Bickerton]

dj_russell in a nutshell, if i were to crash my car into someone close to you and badly hurt them to an extent that they needed care for the rest of their life, what would your views be of people that don't have insurance if cos i had lexus lights it voided my insurance and instead of the 1 million pound payout to see said person right for the rest of their life you just had to take me to court to which it was decided that due to my low income i can only afford to pay out £10 per week for the rest of my life. Also my defense would be that my insurance company wanted to charge me more for my mods so i just took a gamble y0!

Would you be of the same standing in this situation?

[Ashleyp]

Yep, i understand its the risk factor their covering not the cost of parts.

I wasnt aware their is insurance where your premium is not affected, but the you loose all the money in mods. I take it you must be a certain age and have a certain amount of NCB for this though? Is this with Adrian Flux?

there are various companies that do it, the terms are dependant on said companies, so youd have to enquire

as i said, the premium will go up, but mods will not be coverd, for the above reason of extra risk of crashing involved

im with bell, i declared my mods which bumped the premium up, and then i paid an extra £20 to cover my mods (was a tick box on the checklist)

[AlexR]

There's no winning guys...

[littleracer]

take that out the equasion and invent a policy where if you want to drive a modded car and you crash into somone else your car doesnt get paid out but the other drivers does, or same if your crashed into that takes out all the arguments then. your insured correctly and everyone gets paid out but you, id of gone with that at a young age everyones happy and youd drivce safer knowing you will not get paid out in the event of a crash.

but again they will not do this because then they are loosing money. you cant say fairer than that why is there not one in place????

as ashleyP said that is 3rd party cover.

what can't you understand 18-21 statisticly is a high risk age,therefore insurance companies need to charge higher premiums to cover the people in that risk age.

its the way insurance is.

If you live in a street were most of the houses get burgled daily,do you think them people should have high premiums or low premiums?They are a high risk therefore have high premiums
Do you think that people who live in that street who havent got burgled should have lower premiums then the ones that have?They are all going to have high premiums because the risk of a house getting burgled is high even if hasn't yet.

simple really isn't it.....

[Chr15]

Bickerton, how much have you paid in total over the years, roughly?

[AlexR]

I've spent about £10k on insurance since i was 18...

[Chr15]

And how much do you get if you make a claim?

Thats the bit that really pisses me off.

[AlexR]

One single claim can easily exceed £100k...

[Chr15]

Fair point.

I'll go back in my corner.

[Ashleyp]

And how much do you get if you make a claim?

Thats the bit that really pisses me off.

yeah but you own a car, you have to pay for tax, insurance, petrol, maintanence etc etc

its all the same

[smiith]

read to the 3rd page and got bored...

To be fair, all this about "if they want a modded car and can tell a few lies to get it, its okay"

IF YOU CANT AFFORD TO INSURE A MODIFIED CAR.. DONT FUCKING MODIFY IT!

Simple as... Alot of people want modified cars, if you can afford to save up for a £400+ set of alloy wheels, why cant you save up a extra week or 2 to pay to insure them?

Yes it is petty of insurance companys.. But its the law.

If someone crashed into you, with undeclared mods, and there insurance got voided and didnt pay out for your car, would you just thing "hmm suppose hes only young, il let him off".. would you fuck, you would want every penny off him.

[Bickerton]

Bickerton, how much have you paid in total over the years, roughly?

About 7 grand, never bought a car that cost me alot to insure as that would be stupid when i could put the cash into buying my house and spending time doin things with my family ;)

Never had a policy cost me more than 400 ish a year

[Luke]

I have spent £7,900 on insurance since I passed my test in 2005 lol.

[Chr15]

Ive only spent £1000 as I got my first load back.

[smiith]

i have 11 points, and my 2nd license, i still pay my insurance legaly.. anyone who doesnt is a cunt.

Crash into me, and get your insurance voided, and then il crash into your body, with my car

[dj_russell]

I can see where dj_rusell is coming from. But insurance is a gamble and they captilise on the fact we have to have insurance, and their not going to give you the benefit of the doubt when it comes to cost.

Are insurance robbing bastards- yes! Can we do anything about it- no! Its a shit situtation but the rules are their to benefit us all in the worse case scenario- ie one of us is injured and needs compensation. Everything is done by the book so that it stands up in court, its a sueing culture and insurance is a buisness, and doesnt want to have to pay out just because it gave a 17 yr old lad the benefit of the doubt when they insured him. I do agree that there should be a policies where your modified car is drivin with no modifications covered, ie if you crash you loose all your money invested, but everyone still gets a pay out. You could make this safe by combining it in your MOT, for example you pay slighty more for the mechanics to check your car and then sign of that it is safe for the road, along with your MOT. Just an idea.

But...its the same with anything in this country, we get ripped off with everything. And only the well off/upper class can afford it.

i agree with that that would be a good idea to also take away the argument of people not fitting springs etc correct and making a car unsafe.

its as if your going to be fitting sharp objects to the car that will cause more damage to the other car on impact lol.

[dj_russell]

Alot of countries don't allow any non factory modifications btw ;)

i know thats what im saying look at the belgiums and in france etc...they ban mods over there but it still gos ahead anyway.

[Viper]

is this 8 pages of calling elliott a cock?

LOL

[Scott]

IF YOU CANT AFFORD TO INSURE A MODIFIED CAR.. DONT MODIFY IT!



Slightly dumbed down :P

End.

[littleracer]

is this 8 pages of calling elliott a cock?

LOL

in a word 'yes'

[dj_russell]

dj_russell in a nutshell, if i were to crash my car into someone close to you and badly hurt them to an extent that they needed care for the rest of their life, what would your views be of people that don't have insurance if cos i had lexus lights it voided my insurance and instead of the 1 million pound payout to see said person right for the rest of their life you just had to take me to court to which it was decided that due to my low income i can only afford to pay out £10 per week for the rest of my life. Also my defense would be that my insurance company wanted to charge me more for my mods so i just took a gamble y0!

Would you be of the same standing in this situation?

cousin has done exactly what you just described nearly killed him his friends and an innocent taxi driver coming the other way head on, hes a prick and thats my oppinion on that he was driving like a nob in bad weather had 7 or so witness statements all stacked up on him, he was 21 years old driving a primera gt with undeclaired exhaust alloys and induction...

part of his mates arm was hanging off and the taxi driver was in a wheel chair for 4 months my cousin and the taxi driver were also on life support for about a 3-4 weeks we thought my cousin was going to die.

when it all went to court nearly a year or 2 latyer after everyone was up to a reasonable condition the witnesses all turned up they threw the book at him he lost his licence for 4-5 years, he was put on tag due to his heart condition he escaped jail now lee(my cousin) is one of the nicest people you will ever meet before then hed just bought a 6k motorbike and passed his bike test he lost everything, job mrs etc....he now spends his time sat in his bedroom depressed. hes fucked his life up and he knows it. and because hes family i feel sorry for him knowing hed never hurt anyone and how hes such a good person. but he nearly killed 3 people including himself and for that hes a dick so i cant make excuses for him.

but throughout everything nothing was ever mentioned of his undeclaired mods his mate got a massive pay out for his arm, the taxi driver got paid out etc...

so i see all these comments as bollocks when ive already witnessed the worst case scenario possible and if there was an oportunity to bring up the mods everywhere that was it, it was on the front page of the local papers and a follow through on his case for months they all mentioned the high power car bit but nothing on mods, the pic of his car was on the front page ffs, showing alloys or should i say the middles of the alloys as the rim had come away.

has anyone herer had 1st hand of somone crashing into them thats fronted or had a modded car and theyve not paid out ill be more inclined to listen when somone can show me some proof other than made up figures?

[Ashleyp]

is this 8 pages of calling elliott a cock?

LOL

no, dj_russel thinks its all a conspiracy..

[Bickerton]

no, dj_russel thinks its all a conspiracy..

Hmmm

http://i130.photobucket.com/albums/p278/taximan19/TinfoilHat.jpg

[AlexR]

Lol :D

[smiith]

It is a conspiracy... You have to insure your car, so they charge you alot...

You also have to eat.. OMG PRICE OF BREAD WENT UP!

Shit man, lets protest.. these facts of life, i really cant deal with them.. /slit wrists

[littleracer]

It is a conspiracy... You have to insure your car, so they charge you alot...

You also have to eat.. OMG PRICE OF BREAD WENT UP!

Shit man, lets protest.. these facts of life, i really cant deal with them.. /slit wrists

iLOLZ :homme:

[saxokid100]

read to the 3rd page and got bored...

To be fair, all this about "if they want a modded car and can tell a few lies to get it, its okay"

IF YOU CANT AFFORD TO INSURE A MODIFIED CAR.. DONT FUCKING MODIFY IT!

Simple as... Alot of people want modified cars, if you can afford to save up for a £400+ set of alloy wheels, why cant you save up a extra week or 2 to pay to insure them?

Yes it is petty of insurance companys.. But its the law.

If someone crashed into you, with undeclared mods, and there insurance got voided and didnt pay out for your car, would you just thing "hmm suppose hes only young, il let him off".. would you fuck, you would want every penny off him.
Totaly agree with you dude:y:

[AXracing]

IF YOU CANT AFFORD TO INSURE A MODIFIED CAR.. DONT FUCKING MODIFY IT!

Well said :y:

[Saxo_theedge]

This has turned into a emo/the great depression thread now lol

*random fact time* - In pakistan insurance on your car is optional, if someone with no insurance hits you, you claim on your own- if you have choosen to buy it. So you could buy and run an impreza/evo at 17 if you could afford the cost of buying the thing.

[furiomike]

shit, since when is smiith taking the moral high ground? my homie is right though.

[smiith]

This has turned into a emo/the great depression thread now lol

*random fact time* - In pakistan insurance on your car is optional, if someone with no insurance hits you, you claim on your own- if you have choosen to buy it. So you could buy and run an impreza/evo at 17 if you could afford the cost of buying the thing.

you can buy and own one now, you just get it taken off you if you have no insurance ;)

Its there for a reason, to protect YOU.

If you lost a leg, in a car crash, with someone else at fault, with no insurance, would you be happy, knowing you couldnt work again, and had to live on a shitty government benefit?

Or would you want to claim for your loss of a leg, and get compensation for it?

Plus, how many people in pakistan do you think actually own cars worth over 100 quid? Im guessing not an awfull lot unless your in a high position, infact, most of the population wont even own a car.

[smiith]

shit, since when is smiith taking the moral high ground? my homie is right though.

its the one day of the year im been sensible since the wife is in london, and i snapped the crank arm off my bike yesterday lol, got nothing better to do, than be productive on saxp :P

[Saxo_theedge]

you can buy and own one now, you just get it taken off you if you have no insurance ;)

Its there for a reason, to protect YOU.

If you lost a leg, in a car crash, with someone else at fault, with no insurance, would you be happy, knowing you couldnt work again, and had to live on a shitty government benefit?

Or would you want to claim for your loss of a leg, and get compensation for it?

I wasnt suggesting we do the same lol, was just saying.

[craig180]

First thread I've read all weekend and I'm almost asleep!

Think everything that needs to be said has already been said but I'll give you my 2p worth.

180 insurance history - 1st year of driving 6 month ban for careless driving, since then 3 lots of 3 points for speeding.

Every year I have FULLY declared all mods and until recently never had to make a claim.

Then in the space of a year I had a knobhead named Shabnam Mahmood drive into the rear of me. I'm still unsure if she was fully insured as I'm still fighting for my £350 excess back.

Then my bonnet flipped up on the motorway and, were it not for a guaranteed payout figure on my car, would have been a write off.

Each time a very anal assessor came to inspect the car and they checked EVERYTHING. Now when I say everything I don't just mean the visual mods, but things like the bolts on the cam covers, the stereo (or lack of), the tread on the tyres, the gears, exhaust, lights....... you get the idea!

If one thing had been not as per my insurance details they wouldn't have paid out. I know this because they questioned the induction kit for manufacturer!

[saxokid100]

Every year I have fully declared all mods :y::y: cant see the point in cutting corners on insurance:fcuk::wall: and every car ive own has always been fully comp too...........:y::p

[Saxo-SX]

Plus, how many people in pakistan do you think actually own cars worth over 100 quid? Im guessing not an awfull lot unless your in a high position, infact, most of the population wont even own a car.

No because most of the population blow the fuckers up

[jonathon5]

A tale of Terror :

A friend of myne who will remain unnamed had a subtley modified expensive car.

Someone crashed into him not his fault, the insurance assessor voided his insurance due to a set of brake discs.

He lost £20,000.

He forgot to declare them .

[Easty]

dj-russell...

you should stand for your local constituency mate, every single post I have ever read of yours is anti-governent !!!!

Anyway, It sucks that young drivers have to pay hefty premiums to get their modded cars covered, but it's not rocket science really, the majority of young lads with kitted / performance enhanced cars

a ) drive like cocks
b ) hang around with people who drive like cocks
c ) are inexperienced
d ) are likely to get gauded into races by reps in Audi's and crash due to a mixture of a & c

We seized a car off a young lad at work recently for second section 59 warning for doing laps around a car park, it was a corsa 2.0 conversion which hadn't been declared on his insurance. He was a named driver on his mum's insurance etc etc... it's just crazy! This is no different to not declaring wheels / induction kits / anything else !

My 19 year old cousin has an r-33 skyline which terrifies me because I know what I would have been like at that age with a 450bhp monster !

[saxokid100]

A tale of Terror :

A friend of myne who will remain unnamed had a subtley modified expensive car.

Someone crashed into him not his fault, the insurance assessor voided his insurance due to a set of brake discs.

He lost £20,000.

He forgot to declare them .
O dear.............:wall::bump:

[Add91289]

A tale of Terror :

A friend of myne who will remain unnamed had a subtley modified expensive car.

Someone crashed into him not his fault, the insurance assessor voided his insurance due to a set of brake discs.

He lost £20,000.

He forgot to declare them .

Ouch... gutted

[dj_russell]

dj-russell...

you should stand for your local constituency mate, every single post I have ever read of yours is anti-governent !!!!

Anyway, It sucks that young drivers have to pay hefty premiums to get their modded cars covered, but it's not rocket science really, the majority of young lads with kitted / performance enhanced cars

a ) drive like cocks
b ) hang around with people who drive like cocks
c ) are inexperienced
d ) are likely to get gauded into races by reps in Audi's and crash due to a mixture of a & c

We seized a car off a young lad at work recently for second section 59 warning for doing laps around a car park, it was a corsa 2.0 conversion which hadn't been declared on his insurance. He was a named driver on his mum's insurance etc etc... it's just crazy! This is no different to not declaring wheels / induction kits / anything else !

My 19 year old cousin has an r-33 skyline which terrifies me because I know what I would have been like at that age with a 450bhp monster !

id love to itd be like ali g lmfao.:oops::fcuk: "all you motherfuckers fuck f f fuckers"

[grahamroxuk]

i didnt know you had to declare everything such as alloys etc.

as long as you dont claim for them in a crash it shouldnt make a difference

couldnt agree more with mango wes, complete cunts.

why cant you make your car look nice without being penalised for it???

ok chavvy little cunts go ott to do "performance enhanding mods" like stupid spoilers and go faster stripes then slam their cars into walls and people etc but for normal people who have genuine passion for all things 4 wheeled its a bit shite that you cant put some smart alloys and non-"citreon bog standard" lights on your car and be pulled from your policy.

ok it may be in the small print so yeah if you read through there will be a section stating any modifications to external fascia....blah blah blah must be reported to your insurer.....

infact i cant be arsed typing anymore.

mango wes your right....complete cunts

[Ashleyp]

i didnt know you had to declare everything such as alloys etc.

as long as you dont claim for them in a crash it shouldnt make a difference

couldnt agree more with mango wes, complete cunts.

why cant you make your car look nice without being penalised for it???

ok chavvy little cunts go ott to do "performance enhanding mods" like stupid spoilers and go faster stripes then slam their cars into walls and people etc but for normal people who have genuine passion for all things 4 wheeled its a bit shite that you cant put some smart alloys and non-"citreon bog standard" lights on your car and be pulled from your policy.

ok it may be in the small print so yeah if you read through there will be a section stating any modifications to external fascia....blah blah blah must be reported to your insurer.....

infact i cant be arsed typing anymore.

mango wes your right....complete cunts

is the level of intelligence on this forum really this low?

its been said a million times why insurance companies put prices up for mods, theyre a business not a charity, they dont want to pay out..

and they cant determine whos a boy racer / genuine car enthusiast, so have to tar everyone with the same brush..

if you were honestly to run an insurance company, would you just think "im sure he's a good lad, i wont put his price up for modding a car"..... didnt think so

having said that, the level of intelligence on this forum leads me to beleive theres only a few people with enough sence to answer the above question

[littleracer]

is the level of intelligence on this forum really this low?
its been said a million times why insurance companies put prices up for mods, theyre a business not a charity, they dont want to pay out..

and they cant determine whos a boy racer / genuine car enthusiast, so have to tar everyone with the same brush..

if you were honestly to run an insurance company, would you just think "im sure he's a good lad, i wont put his price up for modding a car"..... didnt think so

having said that, the level of intelligence on this forum leads me to beleive theres only a few people with enough sence to answer the above question


i agree with this bit,i mean Graham you sound sooo inteligent with every other word a 'c' word....gosh bet alot of people respect your opinion,COCK!

[littleracer]

i didnt know you had to declare everything such as alloys etc.

as long as you dont claim for them in a crash it shouldnt make a difference

couldnt agree more with mango wes, complete cunts.

why cant you make your car look nice without being penalised for it???

ok chavvy little cunts go ott to do "performance enhanding mods" like stupid spoilers and go faster stripes then slam their cars into walls and people etc but for normal people who have genuine passion for all things 4 wheeled its a bit shite that you cant put some smart alloys and non-"citreon bog standard" lights on your car and be pulled from your policy.

ok it may be in the small print so yeah if you read through there will be a section stating any modifications to external fascia....blah blah blah must be reported to your insurer.....

infact i cant be arsed typing anymore.

mango wes your right....complete cunts

HTF does insurance companies differentiate (sp) from someone whos gonna stack it in a wall or not,whos a chav or not,whos into cars or not?they dont so they tie us with the same brush,they think ah hes got mods hes in the chav boat=high premium.
Its so simple they could teach it at primary school!

[Viper]

insurance price goes up because a modification increases the value of the car. pretty simple to be honest, they dont do it to piss off the Sax-p community :S

[Karl]

insurance price goes up because a modification increases the value of the car. pretty simple to be honest, they dont do it to piss off the Sax-p community :S

also gives them the indication to what sort of owner is behind the car,
start putting stuff on that aids performance, of course the price is gonna bump, because, why do you need the extra performance?

[Bickerton]

Alot of companies also won't put the premium up for cosmetic mods mainly peformance ones that they are fussed about

[kevin_172]

Alot of companies also won't put the premium up for cosmetic mods mainly peformance ones that they are fussed about

dont i know it! LOL

[Bickerton]

dont i know it! LOL

Dun buy a fast car silly!

[Ashleyp]

Dun buy a fast car silly!

its his right to buy a fast car

the insurance companies should let him off the extra price

[Bickerton]

its his right to buy a fast car

the insurance companies should let him off the extra price

I spose :(

[kevin_172]

its his right to buy a fast car

the insurance companies should let him off the extra price

no they shouldnt! if i crash my car and its got the mods on i want them replaced like for like (thats how my insurence is) not a bog standard 172 again!!!

[Bickerton]

no they shouldnt! if i crash my car and its got the mods on i want them replaced like for like (thats how my insurence is) not a bog standard 172 again!!!

He is also being sarcastic lol, pay attention kev

[kevin_172]

He is also being sarcastic lol, pay attention kev

suck my balls :P

[Bickerton]

suck my balls :P

lol ;)

[kevin_172]

i know full well its a rip off... untill you claim then its a fucking god send!!!!

[craig180]

i know full well its a rip off... untill you claim then its a fucking god send!!!!

Amen to that

[kenny]

some fuckwits are on the forum lately.

as smiith said if you can afford to pay for a modified car then dont modify it. All my mods are declared and it didnt make much difference to my insurance it depends on the company

[Mieran]

why do you need the extra performance?

traffic light GP
when going for pink slips

etc

[Elliott]

insured now
£747 a year fully comp with admiral.

[Bickerton]

insured now
£747 a year fully comp with admiral.

Managed to get the cancelled insurance thing to vanish tho?

[Dazed]

Found this on the Aviva website (who I'm insured with). Could possibly be biased to make it sound worse but is interesting to see that the increasingly popular 'fronting' can make all insurance void including 3rd party whereas undeclared mods only voids the comprehensive insurance? Although I may be wrong as that particular car might not have been involved in an accident with another driver.

Fronting

A man insured his son's car as the main driver although it was actually his son who was the main driver of the car. The car was involved in an accident and the son confirmed he was driving and did not deny liability.

When asked by the claims handler why was he driving his father's car, he responded that he was not driving his father's car, it was his and that they insure the car under his father's name as it works out a lot cheaper.

The policy was void and the third party claimed directly from the son, as he was the owner of the vehicle.

Cost to fraudulent policy holder - £10,000

Modifications

A customer took out insurance with Norwich Union for a basic model Honda Prelude. The vehicle was involved in an accident and when it was taken in for repairs it became very clear that the customer's vehicle was not a basic model. The car had been modified with full body kit and other performance enhancing upgrades.

Because none of the modifications were declared to his insurer, the vehicle was underinsured and the policy was void at the point of inception, leaving a large repair bill for the customer.

Cost to fraudulent policy holder - £4,000

[benJee_VTR]

So the moral of the story is Never admit that you're not the main driver :)

iJoke...

[RJ303]

AlexR, Telling it like it is since August 2004.

Lmao :clapping:

[0rang3peel]

this threads becoming pretty pointless, its simple

declare mods & be coverd
dont declare and dont get a payout

if you dont like it then change company

you need the insurance more than the insurance needs you

insurance is a risk remember, theyre gambling on weather they'll have to pay out or not, hence different prices for different reasons

/close thread

[KamRacing]

why cant you make your car look nice without being penalised for it???

The insurance isn't a penalty.. you are paying to be covered financially in the event of damage to your car or damage you cause in your car.

If you fit mods to your car that push up the value of repairs / replacement or make the vehicle more desirable to unsavouries then you should pay a premium as you are at greater risk of making a claim.

[KamRacing]

Alot of companies also won't put the premium up for cosmetic mods mainly peformance ones that they are fussed about

bang on.. if you want the correct levels of cover without being penalised you have to get a bit more savvy with buying insurance premiums

I get on the phone every year and shop around the specialist insurance companies for insurance. i only use the www.buyyourinsurancecheapest websites when the car is going to be left bog standard.

On my rallye the insurance company didn't put up the premium for the £3000 of suspension but the cams made a difference.