Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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Because someone smashed into my car the other week I have had to try and get my car fixed, my insurance is going to fix it then move onto the other insurance company to get the money back.
Well today when they rung the Vauxhall garage I took my car to to get a quote for the work to be done they found that my car had a aftermarket exhaust. Now it aint nowt special 3.5" Internally rolled Piper galvanised steel. That dont add any performance but been charged for that, also told them I have a K&N Panel filter, I have a 57i and had to insure my alloys.
£190 extra for my premium, which is a bitch because I wanted to lower it and put my stainless system on and spoiler on. So now I dont think I will.
Basically I know I should have declared it all before hand but I didn't, silly me.
Anyway they are still paying out for my accident now that I have paid for the modifications.
The thing that really pissed me off was that the vauxhall garage secretly took photo's of my car and sent them to my insurance company. Vauxhall said I definatly had a stainless exhaust and have 17" wheels, I have a galvanised stell zorst and 15" rims..............so basically Vauxhall fucked me over and didnt even tell the truth when they did it. And I wanna know why they took photo's without my permission.
Not too happy but on the other hand safe in mind that my car is covered. Well will be when I take the 57i off.
Had to talk to this woman for 1 hour on the phone convincing her that a galvenised steel exhuast doesnt add to performance and performance increase/decrease with an air filter is negligable. She told me she spoke to K&N and they said that a panel filter can add 10%, so I then had to convince the woman that obviously K&N will big up their products as much as possible.
Good job I convinced her none of my mods add BHP because I would have been paying an extra £350 if they had.
But on my trip I found a rolling road which does power runs for £10, so might have to take it down there one day.
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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I doubt I will declare any of my mods for the simple reason my premium is far too high already... in the event of a large accident (hope it never happens) I will get my family to strip the car of anything after market 
hehe... 
Paul J
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5RI 16V
Member
Registered: 9th Feb 03
Location: London
User status: Offline
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although its wrong i am seriously considering that too.
if i delcare me mods i'd may as well walk up to my insurance company, take down my trouses, bend over and grease myself up.
well that's the way i feel! 
[Edited on 11-03-2003 by 5RI 16V]
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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who u with m8?
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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I'm with Tesco's and I know they're well gay about mods... so I'm not telling them...
My dad told me a good one, if they ever say 'Hmm, there's a K&N induction kit on this car' I just go 'Hmm? whats that... it was on my car when I bought it'
reminds me of my sis, when I had it laid out on the carpet and she went 'What the fuck is that junk'...
Paul J
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Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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I am with Tesco, pissed me off that I had to pay extra.
They said "£190 please"
I said "Well do I get a discount for my alarm"
"Did we ask you to add it"
"no"
"Well no discount then"
"Did you ask me to add alloys and zorst and such"
"No"
"Well then why should I pay it"
"Because if you dont your insurance will be cancelled and you will loose all your money, be unable to claim for the current accident and basically be in a lot of shit"
"Fuck you.............CLICK!!!
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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u got shafted then m8, u wanna c my quote with tescos excellent on mods with me
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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Well, all the insurance quotes seemed higher this year...
I was planning to go with CIS - but where last year they quoted me £1700 this year they quoted me £2100... ???
and Tesco's was cheapest I could find at £1450!
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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im on £586 on me mams name with everything insured on mine (hardly standard is it) full comp tha is mind 4 3 of us
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Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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Thats shit, £1700 for me, tempted to ring and give them some hassle about the alarm and shit
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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me my mam an me dad, 95m 1.4 8v, 17" alloys zorst, cd player speakers, 2 grand worth of bodymods, market value of car if its gets pinchd plus the otha things
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Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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That really pisses me off, at least I am gaining no claims though.
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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ai but i aint bothered at tha price, jus wait till im older then it will b cheaper
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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The thing is - if you prang your car, your mum + dad lose all their No claims bonus... Oh dear
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Danny P
Member
Registered: 20th Nov 02
Location: Cleckheaton, West Yorkshire
User status: Offline
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I am with Tesco's. Biggest waste of time ever. Rang up to declair my mods and the fucking idiot guy didnt have a clue.
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DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
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na they dont cos the old man got a seperate policyon the golf along with me mam  plus im tesco employee so im treated nicer by looks
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YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
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hopefully my corsa will be totally restored bk,the same as it was when i crashed it. - hence thats y i pay my mods
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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Thats the thing with that punto - whatever you end up doing to it, I still can't imagine it having the same sleak lines your corsa did. Good graphics anyway.
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Icy
Member
Registered: 31st Jan 01
Location: Edinburgh Drives: Mk3 Golf Gti
User status: Offline
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hey some1 hit me other month
told her the quote she sed shes contacted her insurance comp.
what do i need to do? they contact me to go thru wi the work? or do i need to go thru my insurance to claim it back like u sed makarus?
am wi cis no mods declared for 700, 2ncb
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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Tescos are lame was with htem wanted to charge me £600 extra for the privalige of 17"s and an air filter
But it depends who u speak to on the phone. They were gunna charge me only £30 extra for a bodykit.
Go with Liverpool victoria. Well good.
makarus how old are you mate? and what engine does your car have cos £1700 is a lot of money!
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vibrio
Banned
Registered: 28th Feb 01
Location: POAH
User status: Offline
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a K&N panel filter is an OE replacement item. it does not have to be declared. you don;t always fit vauxhall parts do you
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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Not if you've got a Fiat.
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avenger
Member
Registered: 2nd May 01
Location: Preston
User status: Offline
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i cant believe how many people off this board are driving without insurance, as not declaring mods makes your cover null and void, leaving you to get dont not just for the crash but for driving without insurance as well.
you might as well save your money if your not going to declare mods, as your paying for cover that will be cancelled as soon as they see your car (i.e after a bump)
and as for stripping it, in most crashes they take the car away and u dont see it again till its in the recovery yard, after its already been inspected
so yea! grease your self up to get done over my everyone!!
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d0gz_bollox
Member
Registered: 8th Apr 02
Location: Walsall
User status: Offline
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Not declaring things on your insurance is stupid and against the law. Your one of the reasons that premiums are high. Not only do you risk having your insurance voided in the event of a crash but any one else that may claim against you wouldnt be able to.
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StuartGee
Member
Registered: 10th Dec 02
Location: Ellon, Aberdeenshire
User status: Offline
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And those who cant claim against you due to void insurance will just drag your ass through the civil court system.
Can you afford to repair your car and pay a shed load of compensation and court fees???
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