Discussion
Most insurance companies I know will look for any excuse not to pay out, so to be honest I cannot believe that when the insurance company asks you if you have modified your car people on this forum will say no. If any insurance company is worth their salt they will realise that diesel cars are easy for big modifications and will have the car checked for modifications, and I cannot believe that they are invisible. So instead of paying out an extra few hundred quid each year, people are willing to drive an uninsured car resulting in full loss of car, other cars and a prison spell. Great idea.
w8pmc said:
Well i sold my heavily modified RS6 at the end of January & replaced her with a 4 month old 535D M-Sport & can say that i'm delighted with my choice of car.
She is of course a little slower than the RS6, but having been breathed on by DMS, she'd certainly keep up with 95% of the cars on the road, with only supercars getting the edge. Now 0-60 in 5.5secs & well over 500 lbsft of torque. I opted for a dealer demo car, as i wanted all the toys & boy is she stuffed full of them.
A great car full stop.
Do DMS do a before and after plot of these numbers on a rolling road?
w8pmc said:
Well i sold my heavily modified RS6 at the end of January & replaced her with a 4 month old 535D M-Sport & can say that i'm delighted with my choice of car.
She is of course a little slower than the RS6, but having been breathed on by DMS, she'd certainly keep up with 95% of the cars on the road, with only supercars getting the edge. Now 0-60 in 5.5secs & well over 500 lbsft of torque. I opted for a dealer demo car, as i wanted all the toys & boy is she stuffed full of them.
A great car full stop.
Nathan, Darth and Chaz would do well to read this.
Great car by the way. Congrats.
whoami said:
Well i sold my heavily modified RS6 at the end of January & replaced her with a 4 month old 535D M-Sport & can say that i'm delighted with my choice of car.
She is of course a little slower than the RS6, but having been breathed on by DMS, she'd certainly keep up with 95% of the cars on the road, with only supercars getting the edge. Now 0-60 in 5.5secs & well over 500 lbsft of torque. I opted for a dealer demo car, as i wanted all the toys & boy is she stuffed full of them.
A great car full stop.
Do DMS do a before and after plot of these numbers on a rolling road?
OK - I'll ask again...Impreza turbo - Admiral
Standard 215bhp - PPPd 245bhp £80 increase
Liverpool Victoria
PPPd 245bhp - 370ish bhp/Coilovers Zero increase
Carbon black, I am utterly amazed that you seem to condone knowingly defrauding your insurance. If you can afford the car you run, you can afford the appropriate insurance.
Do you also condone people driving without bothering to insure their car ?
Serious question by the way.
Standard 215bhp - PPPd 245bhp £80 increase
Liverpool Victoria
PPPd 245bhp - 370ish bhp/Coilovers Zero increase
Carbon black, I am utterly amazed that you seem to condone knowingly defrauding your insurance. If you can afford the car you run, you can afford the appropriate insurance.
Do you also condone people driving without bothering to insure their car ?
Serious question by the way.
I talked to Adrian Flux ( www.adrianflux.co.uk ) before buying my 330d, knowing I would be tuning it. They went through a policy with incremental increases in BHP each with the corresponding premium hike.
As far as I remember it went about like this:
0-9% bhp increase = about 50quid more
10-19% bhp increase =about 120 quid more
20-35% bhp increase = about 220quid more.
Figures related to about 700quid basic premium for me in Leeds with 6 (reward) points for speeding
Talk to Adrian Flux, you get a human and often they are quite interested in what you're doing, rather than just trying to get you to buy any old policy in the quickest time, in my experience.
Will.
DocJock said:
Impreza turbo - Admiral
Standard 215bhp - PPPd 245bhp £80 increase
Liverpool Victoria
PPPd 245bhp - 370ish bhp/Coilovers Zero increase
Carbon black, I am utterly amazed that you seem to condone knowingly defrauding your insurance. If you can afford the car you run, you can afford the appropriate insurance.
Do you also condone people driving without bothering to insure their car ?
Serious question by the way.
Utterly amazed?. I am with the other 8 out of 10 people, so don't be so surprised.
Serious answer.
Where do you draw the line?
Should we 'hang people' who put a k and n air filter in their 1.1 Fiesta?
Well? Going by you, they are uninsured also.
What about speeding? Shall we 'hang YOU' next time YOU BREAK THE LAW by doing 55 in a 50 or 78 on the motorway?
Do you think i condone people with NO insurance or who do 160 mph on the M4?
I'll let you work that one out, but it isn't too hard.
There's being a danger to the public and then there is a minor mod to the electrics on your car. 9 out of 10 DMS and Superchips customers do not tell their insurers of the electronic modification. Nobody has had any insurance problems, going by these tuners' expereince with their customers.
Worry more about people doing 50 mph in a 30 limit outside a school. Or drunk drivers who kill kids.
Both my insurance claims went through with no problem, both slightly modified cars.
I may tell them when i upgrade, but almost double the original quote is pretty steep for a simple chip.
>> Edited by Carbon Black on Monday 27th February 07:48
gazzab said:
Quote done.
Ford Insure. (Norwich Union).
Standard £380.
Modified £690.
Take your pick:-
1) The penny drops and will pay £690
2) Wont bother with expensive insurance increase
3) Wont bother with insurance at all
Better be option 3, just to keep you amused then.
Carbon - it is simple !! You mod your car, you tell your ins co.
You dont then you dont have ins. You risk your livelihood.
SIMPLE SIMPLE SIMPLE
I suggest that you stop confusing the argument with silly teenager angles eg my mates do it, they paid out last time, what difference is there to a K&N, it costs too much.......
You are being given advice that could save your livelihood yet you persist in stupid arguments.
I really dont understand your mental(ity). (but thanks for the entertainment).
You dont then you dont have ins. You risk your livelihood.
SIMPLE SIMPLE SIMPLE
I suggest that you stop confusing the argument with silly teenager angles eg my mates do it, they paid out last time, what difference is there to a K&N, it costs too much.......
You are being given advice that could save your livelihood yet you persist in stupid arguments.
I really dont understand your mental(ity). (but thanks for the entertainment).
Gazboy said:
You could just shop around...
To quote Supragal- that's a lot of money just for a peice of paper to enable you to get a tax disc...
Comparing driving uninsured to speeding and using the excuse "everyone else does it" just shows you have no substance to your argument.
You are wrong again, dangerous and drunk driving is worth worrying about. Not the guy who puts a k and n in his Nova.
So 9 out of 10 people who chip their car are idiots and should be hung? Ok, if you say so.
Whatever you say.
>> Edited by Carbon Black on Monday 27th February 07:29
Gazzab said:
Carbon - it is simple !! You mod your car, you tell your ins co.
You dont then you dont have ins. You risk your livelihood.
SIMPLE SIMPLE SIMPLE
I suggest that you stop confusing the argument with silly teenager angles eg my mates do it, they paid out last time, what difference is there to a K&N, it costs too much.......
You are being given advice that could save your livelihood yet you persist in stupid arguments.
I really dont understand your mental(ity). (but thanks for the entertainment).
Then realise how it really is out there and accept it or else live in your Utopian dream world where everyone does everything they should, nobody ever speeds or changes their exhaust without telling their insurers, etc etc etc.
You must be the one perfect person who never sins. Whatever you say.
But if you think i am so bad then think of the other 8 out of 10 who agree with me and therefore reckon you are talking crud.
>> Edited by Carbon Black on Monday 27th February 07:49
Gazzab said:
Carbon - it is simple !! You mod your car, you tell your ins co.
You dont then you dont have ins. You risk your livelihood.
SIMPLE SIMPLE SIMPLE
I suggest that you stop confusing the argument with silly teenager angles eg my mates do it, they paid out last time, what difference is there to a K&N, it costs too much.......
You are being given advice that could save your livelihood yet you persist in stupid arguments.
I really dont understand your mental(ity). (but thanks for the entertainment).
'Hi' from Provence, France.
FFS. Are the two Gary Boys STILL afraid of their own shadows? Jesus.
The mods on my car, apart from the back 'box are undetectable and i won't be telling anyone that i have had an ecu upgrade. How it is. The 5 other guys I know with 535ds who have had an upgrade haven't bothered either. As Carbon rightly says, 9 out of 10 DMS customers don't report the mod.
The 2 Garys are (clearly thick) hypocrites, who condone certain aspects of law breaking but only those that suit THEM. PATHETIC!
Gaz and Gaz, get down off you soap boxes, stop playing God and the Forum Police, get a life and quit telling people wtf to do.
You do things your way, you break the laws you want to and leave other people to attend to their own business.
Basically, butt out.
I use an insurance broker in Cambridge who i have been with for 20 years. I have made 3 claims in 25 years, never a problem getting paid out.
Period.
>> Edited by 535d on Monday 27th February 07:43
Gassing Station | BMW General | Top of Page | What's New | My Stuff