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Author SOME1 HELP ME - INSURANCE stuffff........ ASAP PLZZZZZZ
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
   19th Feb 03 at 01:10   View User's Profile U2U Member Reply With Quote
On my tesco insurance i have got on my motor insurance schedule that i have...........

Wheels(Non standard)
Suspension lowered
BODYKIT
Exhaust Change - Performane upgrade
Air filter
Audio equipment

cost of bosywork/Cosmetic modification - £251 - £1000.

They are telling me i am having my bumper bk as STANDARD?

Now can some1 tell me WHY I PAY SOME F**KING Much for EXTRA modifications, IF i DONT get them if i smash my car.

wats the point ??????

some1 help plz.

am i in the wrong?

yoyo

things are going from bad to worse here.

also if my car is writen off, do i get to take MY BITS OFF?

Also how much is mARKET VALUE on a t reg vauxhall corsa 1.012v?
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:14   View User's Profile U2U Member Reply With Quote
they r right m8, they replace the car 2 standard. if u didnt av the kit on the policy they mite av void the policy, market value wud be around 3k i spose dont hold me 2 that tho, very much doubt theyd right it off
PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
19th Feb 03 at 01:19   View User's Profile U2U Member Reply With Quote
they hike the insurance as they see it more of a risk of being stolen. But think about it, whats gona be noticed more, a fully kitted out corsa being driven like a nob by some twocer, or a shitty old orion instead?? I agree with you yoyo, i dont see the point either if its only gona get put back to standard!
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 01:19   View User's Profile U2U Member Reply With Quote
o ok. the thing is DJ, is that when i first had my car my bumpers were black, u tink they will put a black 1 on?

if so, it will look so dam silly
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:20   View User's Profile U2U Member Reply With Quote
yoyo wa milage is on ur car m8 i'll find out the market value now
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 01:22   View User's Profile U2U Member Reply With Quote
i know y they put it up, but i repect my car to the FULL, and always looked after it and sounds sad, but WORRIED bout it, when i park it in certain places etc.. - i have spent some much ££££ on it thats y, plus i am very over protective.

at work i HAVE to park it close to the shop window to kep an eye on it, if i cnt c it, i wait until i get a place near the window, otherwise i dnt start work

sad aint i
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 01:22   View User's Profile U2U Member Reply With Quote
ok DJ cheers - 50k
its a 1.012v envoy
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:23   View User's Profile U2U Member Reply With Quote
im not sure to be honest m8 but wa u cud do is buy a modded bumper an ask the insurers body place 2 spray/put it on 4 u then flog the otha 1
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:26   View User's Profile U2U Member Reply With Quote
not good news m8, a1 condition your car is worth £2545, good condition £2300, fair condition £1780. thats based on ur mileage an ur model and the age of the car, sorry m8
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 01:28   View User's Profile U2U Member Reply With Quote
ok thaks for lookign though.

looks liek i will b getting a shit bucket then!

any1 sellign a 1.2 corsa - cheap?
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:30   View User's Profile U2U Member Reply With Quote
best get lookn in the freeads
PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
19th Feb 03 at 01:30   View User's Profile U2U Member Reply With Quote
what about geting the insurance to settle the cost with the bodyshop to restore it to standard, but pay a little more for the kit you need, surely it would be easier that way?
ie (rough)
Insurance Repair Costs (Standard Bodywork Fittings) - £500
Kit you Want - £650
Total payable by you - £150 + any extra needed for fitting as its going to need spraying unlike the standard black turds which the insurance might just quote you for
PaulW
Member
Registered: 26th Jan 03
Location: Atherton, Greater Manchester
User status: Offline
19th Feb 03 at 01:32   View User's Profile U2U Member Reply With Quote
ps...
im havin to fork out £1800 to fix my car since the smack I had... my rear brakes failed and the insurance wouldnt pay up because the tried sayin the aftermarket alloys & suspension caused em to fail and cos the mot is up in march, there just bein tits really, even though my mods are covered!
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:33   View User's Profile U2U Member Reply With Quote
1.2 8v ls is group 3 insurance m8
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 01:38   View User's Profile U2U Member Reply With Quote
wats 1.012v DJ? - Wats a 1.2 16v?

dj - how old r u? - how much it cost u to insure 1.4?
DanielJ
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Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:41   View User's Profile U2U Member Reply With Quote
my cars in group 4, im 17 2nd driver on me mams policy not passed test, its insured 4 market value (1800) 2 grand worth of body work, wheels cd player few otha stuff, £586 full comp for me and me mam she has 0 no claims bonus
DanielJ
Member
Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
19th Feb 03 at 01:46   View User's Profile U2U Member Reply With Quote
1.2 16v is in group 3/4

1.0lrts r in 1/2
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 02:00   View User's Profile U2U Member Reply With Quote
o o k
YoYo_Punto
Member
Registered: 8th Oct 01
Location: 106 gti
User status: Offline
19th Feb 03 at 13:04   View User's Profile U2U Member Reply With Quote
any1 else?
Thoday
Member
Registered: 12th Jan 03
Location: Drove kitted corsa b now standard corcs c exclusiv
User status: Offline
19th Feb 03 at 13:08   View User's Profile U2U Member Reply With Quote
payin £1050 with tesco on a 1.0 12v. value at £3000 i think, im 20, 0 no claims bonus. been driving for a year. one payed out bump, one dodgy claim going to court(he fakes accidents,was not an ounce of damage wen i rolled in2 him at 5mph)
Thoday
Member
Registered: 12th Jan 03
Location: Drove kitted corsa b now standard corcs c exclusiv
User status: Offline
19th Feb 03 at 13:08   View User's Profile U2U Member Reply With Quote
oh and declared alloys and spoiler
3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
19th Feb 03 at 13:08   View User's Profile U2U Member Reply With Quote
i'm 21, 1yrs NCB, got a 1.4 sport (insurance grp 6)
£1020 fully comp.
Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
19th Feb 03 at 13:12   View User's Profile U2U Member Reply With Quote
Why not just buy a old piece of crap... like a really old, unmodified 1.2 LS then chuck a 2ltr in and go with liverpool victoria on 1.2 LS with engine mods???

Pointless trying to get a 1.2 16v SXi for 3.5k->4k and then doing an engine conversion in a while anyway...

Paul J
MarkM
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Registered: 11th Apr 01
Location: Liverpool
User status: Offline
19th Feb 03 at 13:26   View User's Profile U2U Member Reply With Quote
Has anyone had to claim off liverpool victoria yet...as surely they wont insure a supposedly 1.0 with a 2.0 engine in? I mean when they state engine mods surely this only means stuff like K+N etc...theres a big difference in peformance from a 1.0 50?? BHP and a 2.0 150+ BHP...just a thought wouldnt want someone pranging there pride and joy then liverpool victoria not paying out??
Foz
Member
Registered: 8th May 02
Location: Bristol
User status: Offline
19th Feb 03 at 14:03   View User's Profile U2U Member Reply With Quote
wen i wrot my corsa off i stripped it as much as i could!

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