Johnston_888
Member
Registered: 10th Apr 09
Location: Perth Drives: Corsa B SRI 1.4
User status: Offline
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quote:
Originally posted by bobbyd1
they can't handle anything mate, just drive like dicks and dont think of the consequences. one of the problems with the first car is it usually comes from mummy or daddy.
iv paid for my own and im 17
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harrisp
Member
Registered: 15th Dec 07
Location: Derbyshire
User status: Offline
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quote:
Originally posted by bobbyd1
the more serious issues i'm talkin about, like when people whap a redtop in a corsa n leave it as a 1ltr on the logbook, then try n hide it when they have a crash.
Actually my suspension lift isnt declared (only have to adjust the torsion bars) but its still a mod but isnt going to make me more likely to crash?
But how in anyway is it different to someone not declaring their modded corsa?
(all in theory of course )
[Edited on 28-09-2010 by harrisp]
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Crana
Member
Registered: 20th Jan 09
Location: Newcastle
User status: Offline
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paying 2000 for insurance is bad enough never mind declaring mods..... And for engines, never met anyone whos declared yet
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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I drove around for 2 years with a 2.0 not declaring it - was insured third party though so even if I did crash my car wouldn't get looked at, or I would make sure it didn't anyway. If I happened to crash into someone they would have got their car fixed as usual, tell me what the problem is there? The only thing that would fuck it up would be if the police took the car away for any reason, but I couldn't see that happening. Fully legit now though for all the people you get on here that have never gone over 30mph.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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quote:
Originally posted by Crana
paying 2000 for insurance is bad enough never mind declaring mods..... And for engines, never met anyone whos declared yet
If you are paying 2k insurance you either have little driving experience, a car with a high insurance group or a bit of both.
The cost of insurance goes up the higher the risk is to them.
If, for example, a 17 year old starts off driving a £500 1.0l, their insurance isn't going to be sky high - This is because the chance of them putting in a high cost insurance claim is very low
If a second 17 year old buys/converts to a red top the insurance is going to be a lot higher - The chance of an at fault accident goes up and therefore the premium will rise.
A modified car is more prone to theft, parts from the car etc so the insurance company is convering their back.
This isn't a dig at 17 year olds, its a dig at people that come out with comments like your's crana. There is a reason why insurance goes up with any modification you make. If you aren't willing to pay for the extra insurance then don't make the changes to the car.
Lastly, to people saying a crash is a learning curve, yes it is a learning curve, however it is far from necessary so don't make out that because you have crashed young you have learnt your lesson. Grinds my gears almost as much as when people say "Passing second time is better because you have gained experience from it". Bullshit, its because you either rushed into the first test or were too shit to pass.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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It's not just the fact that you can crash the car you're driving as well, the premiums are so high because of the chances of you hitting a car like a Ferrari or a Rolls Royce or something.
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ryan docherty
Member
Registered: 27th Aug 09
Location: glasgow (coatbridge) or little ireland
User status: Offline
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some people enjoy the power and just cant afford the insurance and a corsa redtop is the answer ma mates run one for 4 year had the police pop the bonnet and neva bothered all they said was just make sure u dnt crash so why bother
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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Isn't the problem with having an undeclared engine conversion that if you crash into something / someone that is going to cost the insurance company thousands and thousands then they can void your insurance so it has to come out of your own pocket?
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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...but if you have third party fire and theft and get the car off the scene how will they know?
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Kids these days haven't got a brain, I'm actually pleased I started off with a low power car and worked my way up slowly.
I don't see why people don't declare their mods with insurers like Brentacre who are usually cheaper and actually are a delight to deal with there is no excuse.
There are some mods which I think are fair enough not declaring, some things like splitters and colour coding is fair enough, even wheels with in some respect as long as they aren't 19" wheels on a Corsa B.
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by alan-g-w
...but if you have third party fire and theft and get the car off the scene how will they know?
And if your involved in a smash where your stuck in the car and need to be taken to hospital?
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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As said, I took the chance and didn't have as much freedom to drive the thing because of that fact. I couldn't afford to insure it as a 2.0 or I would but as soon as I've been able to I did. I got away with it without any incidents, but only because I learnt from a couple of mistakes I got away with.
And I doubt if you were trapped in a car needing to be hospitlaised they'd be poking about you enigne bay looking to see if you've got a non standard engine.
[Edited on 29-09-2010 by alan-g-w]
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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And the accident was caused by excess speed which the car in standard form wouldn't be capable of? You end up killing your passengers and other road users?
Boils my piss.
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by alan-g-w
And I doubt if you were trapped in a car needing to be hospitlaised they'd be poking about you enigne bay looking to see if you've got a non standard engine.
No it would be towed away and inspected by the police at the recovery yard.
Its not a risk I would take tbh, wheels, suspension I have had in the past and not declared but I think sticking an XE in a 1L corsa and not declaring is basically not having insurance.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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Before you get up on your high horse, nothing negative happened to me with it. I got away with it just like a lot of other people on here, if I paid the extra £5-600 on top of about a grand a year they wanted for the 2litre it would have literally been money wasted.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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quote:
Originally posted by Ian W
quote:
Originally posted by alan-g-w
And I doubt if you were trapped in a car needing to be hospitlaised they'd be poking about you enigne bay looking to see if you've got a non standard engine.
No it would be towed away and inspected by the police at the recovery yard.
Its not a risk I would take tbh, wheels, suspension I have had in the past and not declared but I think sticking an XE in a 1L corsa and not declaring is basically not having insurance.
Fair enough that could happen. But it didn't.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by Ian W
quote:
Originally posted by alan-g-w
And I doubt if you were trapped in a car needing to be hospitlaised they'd be poking about you enigne bay looking to see if you've got a non standard engine.
No it would be towed away and inspected by the police at the recovery yard.
Its not a risk I would take tbh, wheels, suspension I have had in the past and not declared but I think sticking an XE in a 1L corsa and not declaring is basically not having insurance.
Its down to the insurance assessors to inspect the car, the Police are only interested if its road-worthy..
HOW EVER if the insurance company doesnt like the assessors report they can refuse cover and then the police will be involved.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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quote:
Originally posted by Neo
quote:
Originally posted by Crana
paying 2000 for insurance is bad enough never mind declaring mods..... And for engines, never met anyone whos declared yet
If you are paying 2k insurance you either have little driving experience, a car with a high insurance group or a bit of both.
The cost of insurance goes up the higher the risk is to them.
If, for example, a 17 year old starts off driving a £500 1.0l, their insurance isn't going to be sky high - This is because the chance of them putting in a high cost insurance claim is very low
If a second 17 year old buys/converts to a red top the insurance is going to be a lot higher - The chance of an at fault accident goes up and therefore the premium will rise.
A modified car is more prone to theft, parts from the car etc so the insurance company is convering their back.
This isn't a dig at 17 year olds, its a dig at people that come out with comments like your's crana. There is a reason why insurance goes up with any modification you make. If you aren't willing to pay for the extra insurance then don't make the changes to the car.
Lastly, to people saying a crash is a learning curve, yes it is a learning curve, however it is far from necessary so don't make out that because you have crashed young you have learnt your lesson. Grinds my gears almost as much as when people say "Passing second time is better because you have gained experience from it". Bullshit, its because you either rushed into the first test or were too shit to pass.
Have you seen any quotes for 17 y/o? I passed over 2 years ago, even for 1l I was getting quotes close to 2k and I live in a decent area!
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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Was that through companies such as elephant/admiral or through brokers that specialise in young driver insurance ?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by DaveyLC
quote:
Originally posted by Ian W
quote:
Originally posted by alan-g-w
And I doubt if you were trapped in a car needing to be hospitlaised they'd be poking about you enigne bay looking to see if you've got a non standard engine.
No it would be towed away and inspected by the police at the recovery yard.
Its not a risk I would take tbh, wheels, suspension I have had in the past and not declared but I think sticking an XE in a 1L corsa and not declaring is basically not having insurance.
Its down to the insurance assessors to inspect the car, the Police are only interested if its road-worthy..
HOW EVER if the insurance company doesnt like the assessors report they can refuse cover and then the police will be involved.
the police would have no reason to get involved. your policy would be voided from the point the assesor advises the insurer it should be. at the time of the accident you will have had a valid policy so will have been fully leagal. thats also why an insurer would still pay out for any third party damage as well
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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So in theory there's no point in declaring mods on a TPFT insurance policy?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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they can persue you through court, they'll put your premium towards the cost of any tp damage claim so you'll loose that and may have to pay more.
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ryan docherty
Member
Registered: 27th Aug 09
Location: glasgow (coatbridge) or little ireland
User status: Offline
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quote:
Originally posted by alan-g-w
...but if you have third party fire and theft and get the car off the scene how will they know?
exactly thats wat i done with my clio was modified and third party person run into the bk of me and i workd my way around it so the painter i know got his own surveour to surve my car and the insurance neva cn it
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Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
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Everyone seems to be assuming that if your hit by a third party and you can walk away its all happy days which it probably is.
What happens if you stack your car into somebody else, its your fault and you can't just drive home and sort it yourself - sorry but at that point your fucked.
Not getting on a high horse about it, i've had undeclared mods in the past but there seems to be an attitude that its always sound and its a waste of time declaring mods.
If you cause enough damage that there is going to be a hefty payout the insurance company will do everything it can to avaoid paying out.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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If what LeeM said is true, then even if you had undeclared mods, stacked it onto someone, couldn't drive it home and an insurance assessor came out and voided your insurance you'd still be insured at the time of the accident - so the other person would still get whatever payout they were getting regardless? I've not got a clue btw, just going on what people are saying.
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