Modifying cars and insurance
Discussion
Sorry there seems to have been a misunderstanding, i'm not a sking because i'm not unsure what i should legally do.
I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my s
t car.
I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my s
t car.caaarrl94 said:
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Depends on individual circumstances of course. There are brokers that specialise on modified car insurance and they're affordable for most.caaarrl94 said:
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
Probably. Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
caaarrl94 said:
Sorry there seems to have been a misunderstanding, i'm not a sking because i'm not unsure what i should legally do.
I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my st car.
Google "Anne Bissmire" for an explanation of the ultimate consequencesI know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my s
t car.Shop around - it may not cost any extra with some insurers. I modified my old Saab 9-3 - poly bushes, Abbott rack clamp, ecu update,bigger turbo, stainless steel exhaust with high flow cat,.. Power output went from 185 to about 240bhp.
I was in my mid 30s, clean license, good area, etc. My original insurer refused to even quote with the mods yet with another they only put the premium up from £250 to £280.
I'm still with the same insurer - they didn't charge any extra at all with my current car when I had the ECU updated giving a 10% power increase.
I was in my mid 30s, clean license, good area, etc. My original insurer refused to even quote with the mods yet with another they only put the premium up from £250 to £280.
I'm still with the same insurer - they didn't charge any extra at all with my current car when I had the ECU updated giving a 10% power increase.
caaarrl94 said:
Sorry there seems to have been a misunderstanding, i'm not a sking because i'm not unsure what i should legally do.
I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my st car.
A mate of mine has a repair workshop. A couple of years ago I was in having a brew, and there was a badly front-ended Peugeot hatch of some sort with heavily tinted windows, phat exhaust, slammed suspension etc. The young guy had pulled out of a junction into the side of a Saab; both cars had been severely damaged. The assessor had been to the workshop the previous day and confirmed the Pug was a write-off, but said it was unlikely that the insurer would honour the claim due to the undeclared mods. I don't know what the situation was with the Saab as it had gone to another bodyshop. So the lad would have had his car written off with no compensation, and presumably would have had to pay for repairs to the Saab, or even the cost of a write off. And worse if the police had got involved. Salutary lesson for anyone thinking it's clever not to tell your insurer of any mods. I've always told mine; the consequences of not doing so and having a crunch don't bear thinking about.I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my s
t car.
Heaveho school of charmDubZeus said:
Every mod declared, even my stereo
Why even bother to waste your breath telling them about a stereo ? unless the sound system is one of those that cost as much as the car.Same as changing the bushes and telling the insurance, whats the point, they dont care and will never know.
Lots of paranoia imo.
caaarrl94 said:
Sorry there seems to have been a misunderstanding, i'm not a sking because i'm not unsure what i should legally do.
I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my st car.
http://www.bbc.co.uk/news/uk-england-essex-11717295I know the insurers most be notified of anything even as stupid as changing the cd player.
But the reason i ask is because I see loads of 17 year old driving around in their little saxos, 106s, lupos, corsas, many of which have been lowered.
Now when I was messing around a while back looking at how much extra insurance costs if you modify your car seriously then It was just unaffordable.
Are all of these little boyracers probably breaking the law?
I know i wouldnt buy a car that would cost 1500 to insure as standard for example, then be willing to pay 1000 more just to have the ride a little lower on my s
t car.Actions have consequences
B'stard Child said:
I presume that's the Anne Bissmire case I referred to earlier. It doesn't make your point over the stereo though, as that car was hugely modified and a case of fronting too. B'stard Child said:
I presume that's the Anne Bissmire case I referred to earlier. It doesn't make your point over the stereo though, as that car was hugely modified and a case of fronting too. martinnitram said:
Why even bother to waste your breath telling them about a stereo ? unless the sound system is one of those that cost as much as the car.
Same as changing the bushes and telling the insurance, whats the point, they dont care and will never know.
Lots of paranoia imo.
'They' will if your car is involved in a serious accident. It'll be very carefully examined for defects which will reveal any modifications.Same as changing the bushes and telling the insurance, whats the point, they dont care and will never know.
Lots of paranoia imo.
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