Jemma

My mate got pulled in his turbo cab last year, police asked to lift the bonnet so he could look (my mate had insurance of him saying it was a xr3i) .. the copper didnt notice the turbo or dump dalve
So i agree if can stop you from gettin in sh*t that way

Katie

Try confused.com if you haven't...gives you a list which makes it easier to see who's very expensive...a lot of the places that are cheap for say, your parents, will be very expensive for you. Tesco was very expensive for me last year so didn't go with them, however much cheaper this year...a lot of people did well with budget though...if that's any use

89xr2

sapphirecossie Didnt you get nicked the other day because your mate crashed into the queen whilst she was out jogging and you both drove of at over 200mph only to get pulled over by 6 policeman on a unicylce being pedalled by a giraffe?

cossie4i+

iTrader: (15)

1.6L MK5 Cortina

Can't remember how much the insurance was.

Steve.

Danielle

my dad says that there are some companies that will let me go under in but still allow me to get no claims so i might see how many companies do that, then my dad can spend more on my car

COSSIE CAL

got let off mate

Stavros

I reckon it happened on Rainbow Road, just after RS Nutter kept up with a Focus ST upto 120 in a RS2000

Jemma

I'm lost.. what are you's going on about?

gaz s1

fiesta supersport,650 squid in 1988

COSSIE CAL

ohh nuttin...

mattbibs

fiat uno 1.1 for 800 in 2001. then swapped for a frst at 19 2300 TPFT. seems like a lot but i thought it was value for money at the time considering the quotes on an uno!

smartrs

first car / van was a 1.3 astra van on a E plate at 17 cost me £1350.00 TPFT next at 18 i had was a orion 1.6 inj g on a C plate which coughed up more oil than god knows what cost me £860.00 TPFT then a escort RS turbo on a G plate which cost £1500 TPFT which was good money compared to the prices on the others and now the price on the cossie is going down year by year but never lie to the insurance company cos they will find out and arse rape you if anything goes wrong

rabmc

Frst when i was 18 was my 2nd car and insurance was £1600 i think tpft

Nova sri at 17 and was £1400 tpft

mk2 escort scott

I paid £1900 for a 1.9 Diesel Clio when I was 17 ,18 now and Im £2100 for the cossie Mk2 weekend use and £900 for the RS2000

Lo@der

iTrader: (8)

Mini city 1000 five years ago cost me £900ish, lasted four days before some dick overtook me as I was turning right and killed it.Have had another 22 cars since then so I couldn't tell you many more prices.

Jim Galbally

"the insurance companies bring it upon themselves"

?

are you THICK or something

cause and effect my good man, THINK about it

and the whole "it's my car and i can do what i like with it" thing doesnt work either. they're not YOUR roads tho are they that you're driving on

what about all the other people in the world that pay for PROPER car insurance (you know, the kind that pays out when they run people over) maybe they're just mugs for spending their hard earned cash on insurance. ha ha you've got one up on them havent you! :rol:

he're a situation for you, you're out racing about in your car, and the wheel falls off (i'm assuming if youre too cheap to insure the thing you're likely too cheap to service and maintain it, so your wheelbearing just failed, hub snapped and you're now on 3 wheels) now, you go into a massive spin onto the pavement, run over 5 kiddies that were walking home from school then plant the car thru someone's wall and crash it through the front of their house.

whoops, that'll cost the insurance companies a few bob won't it, all those pay outs


..oh no wait it won't, your insurance is void

kenny

first car at 18 1987 rs turbo £1500 for car £1800 TPFT on the insurance.

costina

iTrader: (1)

A £600 capri 1.6 S 1979 on a T, complete with RGA side skirts,mirror blue tints,electric windows,Jack up kit,and mag mount on tailgate which was so big it was bolted down

Insured it as a 1.6 L as it was cheaper at £340 in 1990

It did have a 2ltr head and carb and a 4 branch manifold

and yellow HOTWIRES(plug leads)

Tangodeltasierra3

Vauxhall Cavalier 1.6L just 3 years old from the auctions, paid £2600 for it, and my insurance was £880 FC at 18yr old.

Drunken Master

Peugeot 206 1.1 LX It cost me £1700 a year provisional insurance with Tesco's.

So glad that cars long gone!

arch

If I may jump in here, maybe you consider me a right bast@@@ but when I stop something that isn't what it states on the log book I tend to take some digital images and then contact the insurance company telling them about the surprising mods.

A lot of companies will then state the 'client' is actually not legally insured and so I can knock em off.

If its office hours I can even contact the insurance company from the side of the road and if they say they will not homour the insurance then I will get the car recovered under our newish regs.

I am posting this just to let you all know that if you dont decalre mods then you are fair game.

les3002

had a pug 205 1.6 gti as my first car, paid £1k for it insurance was £3300 tpft! that was in 2001.

Fil

is that a new thing then, taking photos??? As ive been stopped a fair few times, and had nothing more than a check who i am and the cars mine etc, now these not a lot on my car thats standard, tho everythings decleared on my insurance

DAN P

iTrader: (1)

mrk 2 xr2 payed 700 ins

arch

Taking photos is nothing new, we do it quite a lot nowadays.

Also, (must word this carefully), after 15 years you get a 'feel' for some folks as to whether they are legit or not!

As stated, this post is really to warn users that these actions are open to us and we will use em.

COSSIE CAL

COSSIE CAL

sm

xr3 (non injection) £800 in 1996

Terry Tibbs

Tbh mate, they try to get out of every pay out anyway. If I stick an rs kit on my fiesta and crash it into someone else does that mean my bodykit was making me go faster and affected my driving ability? they still wouldn't pay out because it wasn't declared. think about it.

Jim Galbally

yes flip, thats why you should declare the bodykit

AndyGranger

Mk1 XR2 1996 £450tpft (17yr old)
S2 1997 £500 tpft (18yr old)

89xr2

You just stated the WHOLE POINT of why you should declare your mods

900ss

Austin 1300
No ins

2 bans later ...

IanC

escort gti im 18 im paying £1250 fully comp wiv me pass plus that witch aint too bad really considerin sum ov me mates are payin 2200 on shite 1.2 corsas n saxos lmao

Terry Tibbs

Did I not make that clear enough..

What the fuck is some PVC arches and skirts going to do so violently to my car that the insurance should become invalid? I do believe not declaring engine changes is taking the piss. But wheels, ford parts, etc. etc. is stupid. IMO. I believe the person should be insured rather than the vehicle.

89xr2

Because your car is changed from the original manufacturers specification. Wether it makes it more steal'able or more expensive to repair it doesnt matter. Your insurance policy clearly states it has to be as it came out of the factory and insurance companies will do anything not to have to pay out. It's hard enough getting them to pay out sometimes when everything is legit let alone when you've voided your policy. I know first hand mate as I used to work for one of the fookers.

Terry Tibbs

Thats what I'm saying, how pathetic is it? if you declare it they chuck on about £100 when it cost you about £25.. thats the reason so many people drive without declaring mods.

so if I change my tyres from the manufacturers spec, i'm in the wrong? pirelli as standard. I have falkens, stone me

89xr2

Nah tyres arent part of it

I know what you're saying mate. but It really isnt worth giving them any ammunition. It's exactly what they want to find when you put in a claim.

withamxr

mk 2 xr2 (f822 uhj) 1100 fully comp
series 2 550 tpft

charlie luciano

iTrader: (3)

My 1st legal motor on the road was a rover sdi v8, about 5 or six hundred quid to insure tpft on my Dads name

C L