John
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Registered: 30th Jun 03
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The post had a massive dose of sarcasm in it.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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The two things which cause premiums to rise unnecessarily are personal injury claims and uninsured drivers WHERE NO POLICY EXISTS.
PI is responsible for the vast vast majority of wastage.
The UD fund is taken anyway to deal with people who never even bought insurance or leave the scene.
Typically if there's an insurer involved then they honour it and reclaim their losses, seen it a few times and I would imagine it would be the case for this situation.
I'll very happily twist my knickers for proper issues, see my replies on anything about PI for examples of that. I just don't think that is the case here.
John - I would expect nothing less.
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John
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Registered: 30th Jun 03
User status: Offline
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PI claims and accident management companies seem to be the main cause of increased premiums but the people who really do this and aren't just trolling are equally as bad.
Gets most peoples backs up because if you want to stay on the right side of the law it costs a fortune and puts the likes of engine conversions out of reach.
Then barry big balls comes along in his XE corsa and smashes it into a lampost because he shouldn't have been driving it at 18.
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alan-g-w
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Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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Aye Ian, mate of mine went to renew his insurance a couple of years ago. He was paying something like 900 quid and hadn't had anything happen to affect it - apart from shunting a girl in an astra, but hit her so gently that her baby was still sleeping in the back seat after it and it was only scratches on both cars. She's told him not to worry about it, that it's an old car etc. but just to give her his details just in case any problems with the car develop. it's only when he's gone to get a qupte that his insurance told him he's had a 2500quid claim against him for personal injury. His new quote was 1400quid or something and he's not evn known there was a claim against him, whether due to his ignorance or them not telling him.
[Edited on 03-12-2011 by alan-g-w]
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alan-g-w
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Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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And you must be getting more droll in your old age John, if that was sarcasm it went right over my head.
[Edited on 03-12-2011 by alan-g-w]
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big eck
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Registered: 20th Apr 03
Location: Tullibody. Drives - Audi B8 S4 & Fiesta Zetec-S
User status: Offline
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 at some of the replies on here
I guarantee you that most have broke the law regarding your car at some point but just don't have the stones to admit if for fear of the preaching twats on here
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alan-g-w
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Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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Totally agree eck
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one-mr-t
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Registered: 4th Aug 09
Location: Greater Manchester
User status: Offline
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My mate had a undeclared c25xe corsa b, registered as a 1.2, traffic police pulled him over and lifted the bonnet, they then took the car it got crushed :'( also he's getting done for no insurance even tho it was insured as a 1.2, so that's what happens with undeclared engine conversions.
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nathy_87
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Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
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quote:
Originally posted by adiohead
Jesus christ, get your log book sorted and tell your insurance company.
Still some sensible people on this site then. 
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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quote:
Originally posted by one-mr-t
My mate had a undeclared c25xe corsa b, registered as a 1.2, traffic police pulled him over and lifted the bonnet, they then took the car it got crushed :'( also he's getting done for no insurance even tho it was insured as a 1.2, so that's what happens with undeclared engine conversions.
Good
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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thing is, the average police that pull you over wouldnt have a bloody clue what they are looking at, or looking for.
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nathy_87
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Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
User status: Offline
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quote:
Originally posted by Nic Barnes
thing is, the average police that pull you over wouldnt have a bloody clue what they are looking at, or looking for.
exactly. Why would he look under the bonnet?
Scrap that the police that pulled me over last year looked under my bonnet.
[Edited on 03-12-2011 by nathy_87]
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LeeM
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Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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if someone has a 1.2 with a 1.6 engine in and has it insured as a 1.2, then they have a crash the insurer will pay out and reclaim the costs from the policy holder, therefore the insurer arent out of pocket.
if the engine was declared theyd pay out and be out of pocket.
people who dont insure mods dont cause everyones premiums to go up.
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Archie
Organiser: Scotland
Premium Member
Registered: 18th Dec 07
Location: South Ayrshire
User status: Offline
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Chances are though if your insured TPFT they wont even look at your car as your not claiming for damage to it.
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Archie
Organiser: Scotland
Premium Member
Registered: 18th Dec 07
Location: South Ayrshire
User status: Offline
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quote:
Originally posted by big eck
I guarantee you that most have broke the law regarding your car at some point but just don't have the stones to admit if for fear of the preaching twats on here
x2
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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I also agree with big eck. I did it when I was younger. So fuck.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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quote:
Originally posted by one-mr-t
My mate had a undeclared c25xe corsa b, registered as a 1.2, traffic police pulled him over and lifted the bonnet, they then took the car it got crushed :'( also he's getting done for no insurance even tho it was insured as a 1.2, so that's what happens with undeclared engine conversions.
Was the the only problem with the car? All taxed/MOTd OK?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ian
quote:
Originally posted by one-mr-t
My mate had a undeclared c25xe corsa b, registered as a 1.2, traffic police pulled him over and lifted the bonnet, they then took the car it got crushed :'( also he's getting done for no insurance even tho it was insured as a 1.2, so that's what happens with undeclared engine conversions.
Was the the only problem with the car? All taxed/MOTd OK?
probably taxed as a 1.2 the police cant just ring the guys insurer and ask if what mods are declared its against dpa.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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That's what I was thinking, crushed for no tax.
Curious if they were able to make an IN10 stick unless the insurer cancelled RTA obligations there and then, not heard of that before.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by one-mr-t
My mate had a undeclared c25xe corsa b, registered as a 1.2, traffic police pulled him over and lifted the bonnet, they then took the car it got crushed :'( also he's getting done for no insurance even tho it was insured as a 1.2, so that's what happens with undeclared engine conversions.
that would only be true if he or someone who was insured on the car didn't come to collect the car and pay the £150 recovery fee + £12 a day storage charge or whatever it is nowadays.
never heard of them crushing cars for no tax if the owner pays the fines/taxes it properly.
[Edited on 03-12-2011 by Ben G]
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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How could they crush a car for no tax if the owner had taxed it properly? Of course you havent heard of it lol
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Because if its taxed as a 1.2 it'll be in a lower band that it would be if the 2.5 was declared.
Pre 2001, 1.2 would be in the under 1549 class, 2.5 is over.
Interesting question there is whether if he started with a 1.6 Sport he would have been OK. He certainly would have been paying the right amount of road tax if it was a B.
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Exactly.. its not taxed properly then
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ian
That's what I was thinking, crushed for no tax.
Curious if they were able to make an IN10 stick unless the insurer cancelled RTA obligations there and then, not heard of that before.
they may just be trying to do him for no insurance, and if thats the case it probably wont happen
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by john-d
How could they crush a car for no tax if the owner had taxed it properly? Of course you havent heard of it lol
over your head i take it?
this is the situation, i will summarise it for you:
guy gets car taken off him by police for having no tax (incorrect due to engine size).
guy goes to impound, pays fines, sorts out the tax with the dvla and gets the proper tax disc for it.
guy takes car home.
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