 |
 | Home | Contact Us | FAQ | Search & Site Map | Link to Us |
 | Sign In | Join | Other 45 Sites in Network |
Car Forum / UK Car Forums / Car Modifications (UK group) / August 2004Egg.com - Lunatics.
Looks like i'm selling the R5 Turbo.... egg.com online insurance are quoting me...(at 21) on a Sapphire cossie ?1012 fully comp. Need to sort finances out and it's game on. i'd suggest everyone have a lok and get a quote :o) Mason > Looks like i'm selling the R5 Turbo.... > [quoted text clipped - 7 lines] > > Mason ?349 for my Audi A4 quattro Esure are still miles cheaper for me, I pay ?350 inc breakdown cover and homestart :) 9 years no claims 31 years old Ronny www.1337hosts.com www.fsplanes.net > > Looks like i'm selling the R5 Turbo.... > > [quoted text clipped - 19 lines] > > www.fsplanes.net i'm *21* years old. 21...cossie.. I guess they reason it will spend most of it's time broken down on your drive! Will :-) <snip> > i'm *21* years old. > > 21...cossie.. > I guess they reason it will spend most of it's time broken down on your > drive! [quoted text clipped - 6 lines] > > > > 21...cossie.. wouldnt buy anything except a recent re-build. > > I guess they reason it will spend most of it's time broken down on your > > drive! [quoted text clipped - 6 lines] > > > > > > 21...cossie.. > wouldnt buy anything except a recent re-build. That won't be difficult, though!  SignatureThe DervMan www.dervman.com > > > Looks like i'm selling the R5 Turbo.... > > > [quoted text clipped - 24 lines] > > 21...cossie.. I was barely 20 when I got mine and it didn't cost me that much :) > egg.com online insurance are quoting me...(at 21) on a Sapphire cossie ?1012 > fully comp. Looks and feels like (and gave me almost exactly the same quote as) the directline.com website. ?790 Fully comp on my 2.6 carlton )c: Douglas > > egg.com online insurance are quoting me...(at 21) on a Sapphire cossie > ?1012 [quoted text clipped - 6 lines] > > Douglas everywhere barring adrian flux i simply got "f.ck off". to put it in perspective i still get quotes of around this margin (1k) for cars like tegra type R's Civic Type r's and.....you'll love this....fiesta RST's :o) hmmmmmm Sapphire cosworth or festa turbine? tough one. > everywhere barring adrian flux i simply got "f.ck off". Whereas hopefully *you* told Adrian Flux to "f.ck off" :) SignatureLordy > > everywhere barring adrian flux i simply got "f.ck off". > > Whereas hopefully *you* told Adrian Flux to "f.ck off" :) Whereas the other day I told a bloke called Adrian Fux to fluck off. Peter > Looks and feels like (and gave me almost exactly the same quote as) > the directline.com website. Well 'Egg' aren't an insurer on their own, they're just a small company trying to dip their wicks in as many holes as possible. Plus Direct Line are well known for hosting virtual brokers (such as Tesco) so that's more than likely the case. SignatureLordy > > Looks and feels like (and gave me almost exactly the same quote as) > > the directline.com website. [quoted text clipped - 3 lines] > are well known for hosting virtual brokers (such as Tesco) so that's > more than likely the case. Egg is Prudential Insurance IIRC, so not really a small company. Doesn't mean they aren't whitelabeling insurance for other companies as well, of course. > egg.com online insurance are quoting me...(at 21) on a Sapphire cossie £1012 > fully comp. > > Need to sort finances out and it's game on. Well, I just got a quote from LV to move from the old Saab to a 1990 Toyota Celica GT4. The deal was (and I gave the them the reg number) no Cost to change over for the last month and a half. And then an estimated renewal (too far away) of £520 fully comp. That compares with the 1992 Prelude I was considering, with a quote of £35 change over, and £600 renewal. And these are the cheapest quotes I've found so far. SignatureThe poster formerly known as Skodapilot. http://www.bouncing-czechs.com > Looks like i'm selling the R5 Turbo.... > [quoted text clipped - 7 lines] > > Mason If you have 4 years NCD - Priviledge guarentee to beat that. Offered to shave some ?200 of Nom's premium on the Ti. I was lookin at ?350 to insure the 405, fully comp, student, 21. SignatureDan (formerly Dan405) > > Looks like i'm selling the R5 Turbo.... > > [quoted text clipped - 11 lines] > shave some ?200 of Nom's premium on the Ti. I was lookin at ?350 to insure > the 405, fully comp, student, 21. 3 years NCD :o( > Looks like i'm selling the R5 Turbo.... Gimme gimme gimme -- Chet http://www.retro-renault.com 1991 HF Integrale 16v - Gettin there! 1993 Renault 19 16v - Subtle extras like a T3 ;) 1998 Audi A4 - I don't know why, but i did. > > Looks like i'm selling the R5 Turbo.... > > [quoted text clipped - 5 lines] > 1993 Renault 19 16v - Subtle extras like a T3 ;) > 1998 Audi A4 - I don't know why, but i did. :o) will be taking offers in the near future. will post price and full spec then ;o) but spec includes... Group A - head, gasflowed Group A - head gasket Group A - pisons Group A - clutch Group A - Cam random dump valve full stainless steel exhaust system koni adjustables all round and on and on and on >>> Looks like i'm selling the R5 Turbo.... >>> [quoted text clipped - 24 lines] > > and on and on and on I need pics! I have to get another car somewhere because the da said i wasn't allowed 3 cars, this leads me to believe i have to have 4 :-D Does it come with a parking space? -- Chet http://www.retro-renault.com 1991 HF Integrale 16v - Gettin there! 1993 Renault 19 16v - Subtle extras like a T3 ;) 1998 Audi A4 - I don't know why, but i did. > >>> Looks like i'm selling the R5 Turbo.... > >>> [quoted text clipped - 36 lines] > 1993 Renault 19 16v - Subtle extras like a T3 ;) > 1998 Audi A4 - I don't know why, but i did. only need half a parking space pal ;o) > > I need pics! I have to get another car somewhere because the da said i > > wasn't allowed 3 cars, this leads me to believe i have to have 4 :-D > > > > Does it come with a parking space? > > only need half a parking space pal ;o) Ah, it's either the little-known Renault 5/Smart car hybrid, or it's a professionally shortened version :-) Peter > I need pics! I have to get another car somewhere because the da said i > wasn't allowed 3 cars, this leads me to believe i have to have 4 :-D > > Does it come with a parking space? My Dad's like that - even with a car and a van I kept on hearing the words "one car, that's what I said". Now the van (Master - much bigger than the others) lives at the business post depot that I work for, and I commute there in the car (which means it actually gets a purpose!), leaving just the one car on the drive. My Dad's helped the parking problem (not that there is one with just four cars in the family, it works out quite nicely) by moving his Mondeo up to my Grandpa's in Peterborough (!), meaning that if he goes up there by himself he can have a relaxing journey up there on the train, and use the car that end. It also means that for the occasional time he does need to use it (which isn't much, only does 2-3k a year at most in it) it's not there and he ends up needing a lift - lunacy!! Peter > egg.com online insurance are quoting me...(at 21) on a Sapphire > cossie ?1012 fully comp. Not really worth fully comp, can't you get that down more by going TPF&T (or will they only do FC). > i'd suggest everyone have a lok and get a quote :o) SignatureLordy > > egg.com online insurance are quoting me...(at 21) on a Sapphire > > cossie ?1012 fully comp. [quoted text clipped - 3 lines] > > > i'd suggest everyone have a lok and get a quote :o) they only shifted 100 quid for TPFT. fuor the peace of mind on FC i think it's worth it. Mason > Not really worth fully comp, can't you get that down more by going TPF&T > (or will they only do FC). On a couple of cars I've had with LV (including those with cosmetic mods (seats, steering wheel, etc)) the TPF&T policies have been more expensive than comp, because they like to have modded cars, or those that are likely to be (ie cars owned after I declared mods on other ones) on comprehensive policies. SignatureThe poster formerly known as Skodapilot. http://www.bouncing-czechs.com > > Not really worth fully comp, can't you get that down more by going TPF&T > > (or will they only do FC). [quoted text clipped - 4 lines] > that are likely to be (ie cars owned after I declared mods on other > ones) on comprehensive policies. yes it's exactly the same with My R5. wouldnt do TPFT at all. To be fair if/when i finally get my childhood dream car then i'd want it insuring FC.....plus i'm looking at 300bhp+ so FC is always the sensible option. > yes it's exactly the same with My R5. wouldnt do TPFT at all. Oh, they would do it, but it was about £30 dearer, and didn't give as good cover. SignatureThe poster formerly known as Skodapilot. http://www.bouncing-czechs.com In article <4126053b$0$90841$ed2e19e4@ptn-nntp-reader04.plus.net>, rmason@plusdotcom says... > yes it's exactly the same with My R5. wouldnt do TPFT at all. Oh, they would do it, but it was about ?30 dearer, and didn't give as good cover. SignatureThe poster formerly known as Skodapilot. http://www.bouncing-czechs.com If i'm honest TPFT has never been my thing. If i cant aford a car i dont have it. much prefer the peace of mind FC gives me. > If i'm honest TPFT has never been my thing. If i cant aford a car i dont > have it. > > much prefer the peace of mind FC gives me. none of the cars I've had have honestly been worth fully comp, but when it is cheaper than TPF&T, what do you do ;) SignatureThe poster formerly known as Skodapilot. http://www.bouncing-czechs.com > To be fair if/when i finally get my childhood dream car then i'd > want it insuring FC.....plus i'm looking at 300bhp+ so FC is > always the sensible option. Sensible in what way ? Your 'mods' aren't insured, so it doesn't matter how much you've spent on the car, they'd only get replaced with OEM items... SignatureLordy Lordy <spam@recycle.bin> said: >> To be fair if/when i finally get my childhood dream car then i'd >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 3 lines] >how much you've spent on the car, they'd only get replaced with OEM >items... In case he writes it off, you thick f.cker. He's like 21 and HELLO! .. it's like pushing 300bhp+. HTH > Lordy <spam@recycle.bin> said: > [quoted text clipped - 8 lines] > In case he writes it off, you thick f.cker. He's like 21 and HELLO! .. > it's like pushing 300bhp+. not the way i would have put it, but if you buy a car and have the tal end out everytime you press the loud pedal, fully comp is the only way to go cossies still fetch around the ?5k mark if they are presentable no matter what any silly price guide says so for the sake of saving his=mselve a hundred quid he's going to risk losing all his cash in the event of an off? i don't think so mate besides, 300 bhp of cossie properly done is still phenominaly quick no matter how you look at it and strasight line speed will keep up with and embarress lots of expensive machinery > HTH > not the way i would have put it, but if you buy a car and have the tail > end out everytime you press the loud pedal Does fully comp still pay out if you write your car off through utter stupidity then ? > so for the sake of saving his=mselve a hundred quid he's going to risk > losing all his cash in the event of an off? > i don't think so mate You're right, I agree. SignatureLordy >> not the way i would have put it, but if you buy a car and have the tail >> end out everytime you press the loud pedal > > Does fully comp still pay out if you write your car off through utter > stupidity then ? As long as you're being stupid and you don't mean to crash, then yes :) >> so for the sake of saving his=mselve a hundred quid he's going to risk >> losing all his cash in the event of an off? >> i don't think so mate > > You're right, I agree. You're not really suggesting he should not have fully comp to save ?100 are you :) ? Jesus, the windscreen excess on my policy is ?25 and doesn't affect NCD or premium, and a windscreen for my new car is some ?500.... Fully comp is worth the extra IMHO, unless obviously you're driving a sub ?500 piece of sh.t. Also, if someone hits you, its a LOT easier to get your claim sorted, as your company pay for it, then go after the other company. SignatureDan (formerly Dan405) > unless obviously you're driving a sub > ?500 piece of sh.t. Even some sub ?500 piece of sh.ts are worth it. ?40 windscreen excess will replace a ?340 Saab bronze tinted heavily curved windscreen. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com >> unless obviously you're driving a sub >> ?500 piece of sh.t. > > Even some sub ?500 piece of sh.ts are worth it. ?40 windscreen excess > will replace a ?340 Saab bronze tinted heavily curved windscreen. I was refering more to shite old 1.0 fiesta's and fords in general, that are driven till the MOT runs out then scrapped, so everything is done as cheaply as possible :) But yes, you are right in that its worth it for some cars. SignatureDan (formerly Dan405) > >> not the way i would have put it, but if you buy a car and have the tail > >> end out everytime you press the loud pedal [quoted text clipped - 16 lines] > ?500 piece of sh.t. Also, if someone hits you, its a LOT easier to get your > claim sorted, as your company pay for it, then go after the other company. Theres nothing wrong with <?500 pieces of sh.t. Oh BTW some git in a certain car that we're not allowed to talk about tried to race me from the lights today. DENIED! ;) >> >> not the way i would have put it, but if you buy a car and have the >> >> tail [quoted text clipped - 26 lines] > tried > to race me from the lights today. DENIED! ;) Those badged up 1.1's aren't all that ;) SignatureDan (formerly Dan405) > Theres nothing wrong with <£500 pieces of sh.t. Hmmm. If there's nothing right with them, then surely there must be plenty wrong with them ! :) > > Theres nothing wrong with <?500 pieces of sh.t. > > Hmmm. If there's nothing right with them, then surely there must be plenty > wrong with them ! > > :) Errr think you got that the wrong way round!! > > Theres nothing wrong with <?500 pieces of sh.t. > > Hmmm. If there's nothing right with them, then surely there must be plenty > wrong with them ! Eh? (c: Douglas >>> Theres nothing wrong with <£500 pieces of sh.t. >> >> Hmmm. If there's nothing right with them, then surely there must be >> plenty wrong with them ! > > Eh? As a £500 piece-of-sh.t, it has nothing in it's favour, except that it's disposable. So if it has no good points, it must have plenty of bad points ! You can't have neither :) > > not the way i would have put it, but if you buy a car and have the tail > > end out everytime you press the loud pedal > > Does fully comp still pay out if you write your car off through utter > stupidity then ? yup :) and thats the beuty of it you have a crash, you pay the excess, they fix it or give you lots of money to buy another one (as long as you can prove that it is worth that muc in the first place by way of other cars advertised at that price, i have yet to see a running cossie at less than ?3k) some insurers (dependson which one you go with though) will also cover the costs of mods if they are listed rather than "you broke a wheel, we are going to get you another 15inch cossie one rather than that 19inch bling bling version you've got on htere" you might also be aware that you can get an agreed value on your car once it's been scuteneered by said insurnace company > > so for the sake of saving his=mselve a hundred quid he's going to risk > > losing all his cash in the event of an off? > > i don't think so mate > > You're right, I agree. you agree that he's not going to go for the cheeper quote or that he's going to lose all his cash in an off? :p > > Lordy <spam@recycle.bin> said: > > [quoted text clipped - 21 lines] > > > HTH well said. I really dont understand how people could buy something like that and only go TPFT......you could be the best driver in the world and things still go wrong. plus i realise my mods wont be insured....they will be declared. I always drive legally. >> > Lordy <spam@recycle.bin> said: >> > [quoted text clipped - 31 lines] > plus i realise my mods wont be insured....they will be declared. I always > drive legally. You never speed eh ;) ? Nah, me neither :D SignatureDan (formerly Dan405) > >> To be fair if/when i finally get my childhood dream car then i'd > >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 5 lines] > > In case he writes it off, you thick f.cker. Good god, is it moron season or something. > He's like 21 and HELLO! .. it's like pushing 300bhp+. SO f.cking WHAT - HE WON'T GET ALL THAT MONEY BACK YOU UTTERLY STUPID SPAZMOID TWAT. 'Declaring' your mods does not mean they are insured. SignatureLordy >> >> To be fair if/when i finally get my childhood dream car then i'd >> >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 7 lines] > > Good god, is it moron season or something. I think it might be... >> He's like 21 and HELLO! .. it's like pushing 300bhp+. It, like, might not be you f.cking dick. > SO f.cking WHAT - HE WON'T GET ALL THAT MONEY BACK YOU UTTERLY STUPID > SPAZMOID TWAT. Well, that put my abuse to shame :) > 'Declaring' your mods does not mean they are insured. I did where i was insured. Wheels covered (at no extra cost to me), stereo covered, lights covered for replacement of non-standard ones :) Depends who you're insured with. SignatureDan (formerly Dan405) > >> >> To be fair if/when i finally get my childhood dream car then i'd > >> >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 24 lines] > covered, lights covered for replacement of non-standard ones :) Depends who > you're insured with. just for the record....on the R5 and the Paxo all my mods are declared and insured on a like for like basis. I doubt they will do it on the cossie....but just a heads up for you....may stop you all getting so stressed about it in future *rollseyes* Mason >> >> >> To be fair if/when i finally get my childhood dream car then i'd >> >> >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 33 lines] > > Mason Stressed? STRESSED?! WHO THE f.ck IS STRESSED!?! ARE YOU LOOKING AT ME c.nt CHOPS!? EH! ARE YOU!? :) SignatureDan (formerly Dan405) > Good god, is it moron season or something. I don't think the season makes any difference, you seem to hang around all year round without contributing anything useful. >> Good god, is it moron season or something. > > I don't think the season makes any difference, you seem to hang > around all year round without contributing anything useful. It clearly makes a big difference - both you and Jolly-Green-Giant man have appeared within the same couple of days, to post meaningless shite to the group. I'd hazard a guess that it actually IS moron season ? > > Good god, is it moron season or something. > > I don't think the season makes any difference, you seem to hang > around all year round without contributing anything useful. That was actually quite a good insult, and unfortunately I'm going to have to embarass myself by only having time for a quick "c.nt" in response before shooting off to work. "c.nt" Really soz about that, I'll try harder later ! SignatureLordy > only having time for a quick "c.nt" in > response before shooting off Sounds like an eventful lunch break :-) Peter > > only having time for a quick "c.nt" in response before > > shooting off > > Sounds like an eventful lunch break :-) Hehe, you cheeeeeky munkey you. SignatureLordy > > > only having time for a quick "c.nt" in response before > > > shooting off > > > > Sounds like an eventful lunch break :-) > > Hehe, you cheeeeeky munkey you. You sound a bit out of breath there, lad... SignatureThe DervMan www.dervman.com >>He's like 21 and HELLO! .. it's like pushing 300bhp+. > > SO f.cking WHAT - HE WON'T GET ALL THAT MONEY BACK YOU UTTERLY STUPID > SPAZMOID TWAT. > > 'Declaring' your mods does not mean they are insured. I think he meant that with 300 horses he's more likely to chuck it off the island than he is with a standard car. SignatureAbo: spotter for #9 truck Pete 'Wilky' Wilkinson www.pickuptruckracing.com www.daysofthunder.co.uk > > >> To be fair if/when i finally get my childhood dream car then i'd > > >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 14 lines] > > 'Declaring' your mods does not mean they are insured. FFS no-one said i'd get all my money back.....but surely *some* money is better than *no* money. Mason > In case he writes it off, you thick f.cker. Oh dear. Are you somehow unaware that your statement qualifies you - with one-hundred-percent accuracy - as said "thick f.cker" ? > Sensible in what way ? Your 'mods' aren't insured, so it doesn't matter > how much you've spent on the car, they'd only get replaced with OEM > items... Depends on the company. Liverpool Victoria like to be told about the first mod in any category they have, then after that they just ask for a copy of the reciept to be kept, and a photo of the instalation for anything else. If they don't cover the mods, why do they want them financially documenting. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > > Sensible in what way ? Your 'mods' aren't insured, so it doesn't matter > > how much you've spent on the car, they'd only get replaced with OEM > > items... > > Depends on the company. It might depend on the policy and level of cover, but a standard insurance policy certainly doesn't. > Liverpool Victoria like to be told about the first mod in > any category they have Any insurance company has to be told... > then after that they just ask for a copy of the reciept to be > kept, and a photo of the instalation for anything else. > > If they don't cover the mods, why do they want them financially > documenting. So that - in the event of a claim - you can prove to them that you were telling the truth about the extent of the declared mods ffs. SignatureLordy > > Liverpool Victoria like to be told about the first mod in > > any category they have > > Any insurance company has to be told... Yeah, but most you have to tell them about every one. With LV, you tell them about air filter change, and you have engine mods on your policy, and just have to document anything else. If you change your back box, it says exhaust mods, and document the rest of the system. Tell them about the uprated brake pads, and the it says brake mods, so then you urate the calipers, master cylinder, brake lines etc, and just photo it and document it. It realy is that simple with them. they don't even list mods seperatley, and don't charge extra for most. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > So that - in the event of a claim - you can prove to them that you were > telling the truth about the extent of the declared mods ffs. But you aren't declaring specifics, they don't want to know, just that isn't standard anymore. Only thing they don't allow is engine size change through big bore or engine swap. I know of people who swapped an air filter, declared it, then when they had an ecu remap, hybrid turbo, larger throttle body, and bigger injectors fitted, they phoned to declare them, and where told, you don't need to ring us, your policy already says engine modifications. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > > So that - in the event of a claim - you can prove to them that you were > > telling the truth about the extent of the declared mods ffs. [quoted text clipped - 7 lines] > injectors fitted, they phoned to declare them, and where told, you don't > need to ring us, your policy already says engine modifications. which is what i've done with mine :) > Carl Robson > (The poster formerly known as Skodapilot) > http://www.bouncing-czechs.com > > > So that - in the event of a claim - you can prove to them that you were > > > telling the truth about the extent of the declared mods ffs. [quoted text clipped - 8 lines] > > need to ring us, your policy already says engine modifications. > which is what i've done with mine :) When Lordy Calms down or sobers up or whatever, will yu have a go at explaining to him, you might have had more luck. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > > > > So that - in the event of a claim - you can prove to them that you were > > > > telling the truth about the extent of the declared mods ffs. [quoted text clipped - 11 lines] > When Lordy Calms down or sobers up or whatever, will yu have a go at > explaining to him, you might have had more luck. the simple fact of the matter is that, if you have a policy which replaces like for like, you are going to be better off than if the policy you have will replace "bling 19" chrome with 15 inch steel rim" because thats hwat was fitted as standard however, this may need to be posted in it's own thread as this one is begining to become a little too convoluted for some people to follow :) > Carl Robson > (The poster formerly known as Skodapilot) > http://www.bouncing-czechs.com >>>> So that - in the event of a claim - you can prove to them that you >>>> were telling the truth about the extent of the declared mods ffs. [quoted text clipped - 11 lines] > When Lordy Calms down or sobers up or whatever, will yu have a go at > explaining to him, you might have had more luck. But he's not wrong ! We all know that LV treat things differently - that's why they're popular with modding peeps ! > >>>> So that - in the event of a claim - you can prove to them that you > >>>> were telling the truth about the extent of the declared mods ffs. [quoted text clipped - 15 lines] > We all know that LV treat things differently - that's why they're popular > with modding peeps ! Oh, I know, but Lordy couldn't see that there are variances, while most treat you like crap, take your money, then give you a kicking to say thanks, not all are like that. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > > > So that - in the event of a claim - you can prove to them that you were > > > telling the truth about the extent of the declared mods ffs. [quoted text clipped - 12 lines] > > (The poster formerly known as Skodapilot) > > http://www.bouncing-czechs.com Liverpool victoria will cover any mod (as long as it doesnt change the engine displacement) with just a photo and a reciept. I was with thm on the paxo pre engine swap. >>> Sensible in what way ? Your 'mods' aren't insured, so it doesn't >>> matter how much you've spent on the car, they'd only get replaced [quoted text clipped - 18 lines] > So that - in the event of a claim - you can prove to them that you > were telling the truth about the extent of the declared mods ffs. Lordy's right - generally, your mods aren't covered. What Liverpool Vic do is hardly relevent - you know full-well that they don't treat mods like everyone else - that's why you're with them ! > What Liverpool Vic do is hardly relevent - you know full-well that they > don't treat mods like everyone else - that's why you're with them ! Yeah, I know. Bastard isn't it. I don't get to moan about my insurance. They charge the cheapest for the cars I've owned. They understand that sometimes sensible intelligent people mod their cars. They don't charge silly money when they do. And they cover the changes as well. All I need to find out now is that the company is run by an all natural, non silicon enhanced, scale replica of Pamela Anderson, with a slightly hidden flat spot on top of her head that is the perfect height to rest a pint pot, and is addicted to oral sex. Then I really would hate them. SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com > > What Liverpool Vic do is hardly relevent - you know full-well that they > > don't treat mods like everyone else - that's why you're with them ! [quoted text clipped - 11 lines] > > Then I really would hate them. LOL!!!!!!!! >> What Liverpool Vic do is hardly relevent - you know full-well that >> they don't treat mods like everyone else - that's why you're with [quoted text clipped - 10 lines] > a slightly hidden flat spot on top of her head that is the perfect > height to rest a pint pot, and is addicted to oral sex. --> "They charge the cheapest for the cars I've owned" And that is why you're with them. If they quoted you £500 over the going-rate, then you wouldn't consider using them - irrespective of all the above. > >> What Liverpool Vic do is hardly relevent - you know full-well that > >> they don't treat mods like everyone else - that's why you're with [quoted text clipped - 16 lines] > If they quoted you ?500 over the going-rate, then you wouldn't consider > using them - irrespective of all the above. Very true, but none of the others are even remotley interested. Being quoted ?1300 for a ?90 Skoda Estelle TPF&T, or ?1800 for a ?300 Saab 900 FC isn't exactley trying to win business. Especially when they all tell me I won't find a better company, cover, or quote (or all three). SignatureCarl Robson (The poster formerly known as Skodapilot) http://www.bouncing-czechs.com >> To be fair if/when i finally get my childhood dream car then i'd >> want it insuring FC.....plus i'm looking at 300bhp+ so FC is [quoted text clipped - 3 lines] > matter how much you've spent on the car, they'd only get replaced > with OEM items... And ontop of that, they wouldn't actually replace anything anyway - cos the value of the car means that anything other than the very smallest of scrapes (on which you wouldn't claim anyway) means they'd just write off the car. >> Not really worth fully comp, can't you get that down more by going TPF&T >> (or will they only do FC). [quoted text clipped - 4 lines] >that are likely to be (ie cars owned after I declared mods on other >ones) on comprehensive policies. I've just turned 25 and am putting my American car(s) on proper specialist policies. My renewal (for a 1992 sedan with a 5.7 V8, 2yrs NCD) was £430 TPFT on a generic policy but on the NIG "Yankee" scheme it was £420 comprehensive!! And for a 2002 sedan I've just imported it will be a bit cheaper because it's only got a 3.8 V6! Gareth > > egg.com online insurance are quoting me...(at 21) on a Sapphire > > cossie ?1012 fully comp. > > Not really worth fully comp, can't you get that down more by going TPF&T > (or will they only do FC). what do you mean not worth fully comp? i got fully comp on everything i've driven even if i was paying over the cost of the car peace of mind, windscreen cover, breakdown, it all adds up when you need to find ?3 or 400 for a windscreen :) > > i'd suggest everyone have a lok and get a quote :o) > > > egg.com online insurance are quoting me...(at 21) on a Sapphire > > > cossie ?1012 fully comp. [quoted text clipped - 7 lines] > peace of mind, windscreen cover, breakdown, it all adds up when you need to > find ?3 or 400 for a windscreen :) Never had fully comp and dont want it for what i'm driving. You dont need FC to get breakdown cover - my own cover is far far better than the crap my ins co were offering me, and if i crack a windscreen it'll stay cracked. If it smashes (which is highly unlikely) i'll pay ?100 for a new one. Whats the point in wasting ?150 on FC when the car only cost ?220?!?! With my excess as well it makes absolutely no sense. >>>> egg.com online insurance are quoting me...(at 21) on a Sapphire >>>> cossie £1012 fully comp. [quoted text clipped - 11 lines] > need FC to get breakdown cover - my own cover is far far better than > the crap my ins co were offering me, Er, it costs you money. Some fully comp policies include Breakdown Cover for minimal cost. > and if i crack a windscreen it'll stay cracked. In which case, you'll A. Fail the next MOT, and B. Look like a chav. > If it smashes (which is highly unlikely) i'll > pay £100 for a new one. £100 ? There are plenty of cars whose windscreens cost in the region of £500 ! > Whats the point in wasting £150 on FC when > the car only cost £220 ? None. If you're gonna run about in a disposable £220 wreck, then it hardly matters how it's insured :) I'm with Dojj on this one - for anyone who spends more than beer money on a car, fully comp insurance is a better choice. It used to be the case that you could save large chunks of cash (upto 50% sometimes !) by taking the TPF&T option - but now that insurance companies have realised that the majority of claim-cost is made up by the other vehicle(s) in the accident, most of the discount is gone. >>>>> egg.com online insurance are quoting me...(at 21) on a Sapphire >>>>> cossie ?1012 fully comp. [quoted text clipped - 18 lines] > > In which case, you'll A. Fail the next MOT, and B. Look like a chav. ROFL :) >> If it smashes (which is highly unlikely) i'll >> pay ?100 for a new one. > > ?100 ? There are plenty of cars whose windscreens cost in the region of > ?500 ! Turns out my new ones would be ?800 fitted at a dealer :) >> Whats the point in wasting ?150 on FC when >> the car only cost ?220 ? [quoted text clipped - 8 lines] > majority of claim-cost is made up by the other vehicle(s) in the accident, > most of the discount is gone. Yea my sub ?500 piece of sh.t only applied where the car was just something used till it died, the type of thing you just don't GAF about. SignatureDan (formerly Dan405) > >> Whats the point in wasting ?150 on FC when > >> the car only cost ?220 ? [quoted text clipped - 11 lines] > Yea my sub ?500 piece of sh.t only applied where the car was just something > used till it died, the type of thing you just don't GAF about. as has been documented in the past, I got my car for free it's worth around the ?600 mark due to it's history etc, but only someone who wanted to pay that would pay for it I spent ?140 doing it up (timing chain) and then ?500 on insurance but because I want to keep my double set of no claims (70% on the TT estate) and a whopping 50% on this one at the moment) at least I can let the old man crash it without worrying about my no claims :) and I can drive other vehicles plus the windscreen, courtesy car etc benefits that come with FC but not with TPFT > >>>> egg.com online insurance are quoting me...(at 21) on a Sapphire > >>>> cossie ?1012 fully comp. [quoted text clipped - 14 lines] > Er, it costs you money. Some fully comp policies include Breakdown Cover for > minimal cost. It still cost minimal and its the exact sort of cover i require, unlike all the ins ones that i've been offered which are crap! > > and if i crack a windscreen it'll stay cracked. > > In which case, you'll A. Fail the next MOT, and B. Look like a chav. I'm probably gonna chuck my car away at the next MoT anyway, and i dont care what i look like! > > If it smashes (which is highly unlikely) i'll > > pay ?100 for a new one. > > ?100 ? There are plenty of cars whose windscreens cost in the region of ?500 > ! Mine doesnt. Besides rip one out from a scrapper and only pay for fitting. > > Whats the point in wasting ?150 on FC when > > the car only cost ?220 ? > > None. If you're gonna run about in a disposable ?220 wreck, then it hardly > matters how it's insured :) Exactly, that what i'm saying. I was disagreeing with doojj statement that 'i got fully comp on everything i've driven even if i was paying over the cost of the car' coz in my case its simply not worth it. if i had a slightly less disposable one then things would be different, but i wasnt talking about that > I'm with Dojj on this one - for anyone who spends more than beer money on a > car, fully comp insurance is a better choice. It used to be the case that > you could save large chunks of cash (upto 50% sometimes !) by taking the > TPF&T option - but now that insurance companies have realised that the > majority of claim-cost is made up by the other vehicle(s) in the accident, > most of the discount is gone. > > > Whats the point in wasting ?150 on FC when > > > the car only cost ?220 ? [quoted text clipped - 7 lines] > slightly less disposable one then things would be different, but i wasnt > talking about that which is fair enough in your case but I need a car 24/7 that can take 5 in the east I would have had to take the estate, and it's fuel problems (like it was using lots) if we wanted to go out the racket it made was deafening to say the least :) but if you are on your own and want to have a car to get you from a to be and then dump it at the end of the day you want to spend as little as possible on it :) >> None. If you're gonna run about in a disposable £220 wreck, then it >> hardly matters how it's insured :) [quoted text clipped - 4 lines] > worth it. if i had a slightly less disposable one then things would > be different, but i wasnt talking about that But usually it IS worth it - that was exactly his point ! Most people don't drive around in £220 beasts, so your special-case isn't really relevent :) You're doing the must-shoot-down-the-sweeping-statement thing - if it's true in the majority of cases, then it's true enough. There's always gonna be exceptions to the rule ! > >> None. If you're gonna run about in a disposable ?220 wreck, then it > >> hardly matters how it's insured :) [quoted text clipped - 13 lines] > in the majority of cases, then it's true enough. There's always gonna be > exceptions to the rule ! But there are plenty of people with super-cheap cars that it will apply to. Not everyone is as well off as you and so cant afford expensive cars or expensive insurance. As i said i was disagreeing with dojj's way of doing things. Fair enough if thats what he wants to do, but theres no way i would pay out for FC if the difference was more than the car was worth. >> You're doing the must-shoot-down-the-sweeping-statement thing - if >> it's true in the majority of cases, then it's true enough. There's >> always gonna be exceptions to the rule ! >> > But there are plenty of people with super-cheap cars that it will > apply to. Not everyone is as well off Fair point. > > Not really worth fully comp, can't you get that down more by going TPF&T > > (or will they only do FC). > > what do you mean not worth fully comp? You have to remember us people at the older end of the twenties forget what it was like to be young :) I've never had to make a FC claim. > i got fully comp on everything i've driven even if i was paying over > the cost of the car Yea, well that makes sense. SignatureLordy > > > Not really worth fully comp, can't you get that down more by going TPF&T > > > (or will they only do FC). [quoted text clipped - 5 lines] > :) > > i got fully comp on everything i've driven even if i was paying over > > the cost of the car > > Yea, well that makes sense. take me for example i got a sierra, for free i then paid ?506 to insure it fully comp what i do know is that, in the event of an accidednt, i will get a courtesy car, and my car will be fixed. if my window breaks, i pay ?50 and they come and fit a new one (sierra heated windscreens cost anywhere from ?270 - ?400 so there is next years premium paid for in any case, been there, done that) i'm not saying that if you buy a car you should go for fully comp all the time, i've run around in shiters that have had only 3rd party on them in the past beecause they were run into the ground and then driven to the scrap yard but in my circumstances, i have one car that me and the old man drive (the cooking sierra with the big rims on) and it's parked in the back garden then i have the TT estate that is covered for track insurance as well as on the road cover, both fully comp, agreed value, BIG excess for claims, but after having sunk the thick end of ?30k into it, i don't want it not to be paid out, especialy as i've spent at least ?10k on it in the last 2 years and have only driven it a total of about 600 miles (the rest of the time it's safely tucked away in the garage) and then i have my works van, which i drive about and sits in the front garden and is used for everything else horses for courses, but for this particulr course, insuring a cossie TPFT isn't the best option > Looks like i'm selling the R5 Turbo.... > > egg.com online insurance are quoting me...(at 21) on a Sapphire > cossie £1012 fully comp. Why are you bothering ? They're just dated old tat now - any number of quicker, more modern cars will be much cheaper to insure (Cossies are Group 20, usually plus "Cossie Loading" on top) and you get a much better car as part of the deal ! > > Looks like i'm selling the R5 Turbo.... > > [quoted text clipped - 6 lines] > will be much cheaper to insure (Cossies are Group 20, usually plus "Cossie > Loading" on top) and you get a much better car as part of the deal ! but how many other cars have the same pace as the cossie :) for the same price :) I'd haveone in a shot (if I hadn't already been there, done that, bought the t-shirt etc) >>> Looks like i'm selling the R5 Turbo.... >>> [quoted text clipped - 10 lines] > but how many other cars have the same pace as the cossie :) > for the same price :) Once you've taken running and repair costs of a 15-year-old-Ford into account, there are probably more than you'd think ! > >>> Looks like i'm selling the R5 Turbo.... > >>> [quoted text clipped - 13 lines] > Once you've taken running and repair costs of a 15-year-old-Ford into > account, there are probably more than you'd think ! you either buy a runner or you don't engine builds start from ?3k upwards (Millington do the best engines for these and a full spec one costs the wrong side of ?32k) everything else is just about performance Silverstone for ford fair and they use Audi TT 3.2 V6 things and this cossie was eating them up (these are the cars that they drive round to show you the lines, braking points, etc and are driven by people who know the track) the car only had about 350 brake which is easily attainable without a rebuild for the best part of a grand and pound per brake, there isn't another car like it pant wettingly scary, and yet ridiculously addictive :) > >>> Looks like i'm selling the R5 Turbo.... > >>> [quoted text clipped - 13 lines] > Once you've taken running and repair costs of a 15-year-old-Ford into > account, there are probably more than you'd think ! no more than an equally priced impreza or the like... high performance cars are high maintenance...in the cossie price bracket at least. it's soething you accept as part of the hobby. >>>>> Looks like i'm selling the R5 Turbo.... >>>>> [quoted text clipped - 15 lines] >> > no more than an equally priced impreza or the like... But they aren't equally priced - any Impreza you can pick up for a few grand is gonna be *very* tired. > high performance cars are high maintenance...in the cossie price > bracket at least. it's soething you accept as part of the hobby. Agreed. |
Reply to this Message |
 Sign In
 Join
 My Latest Posts My Monitored Threads My Blog My Photo Gallery My Profile My Homepage Start New Thread Enable EMail Alerts Rate this Thread
|
©2009 Advenet LLC Privacy Policy - Terms of Use
This website includes both content owned or controlled by Advenet as well as content owned or controlled by third parties.