Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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I agree, but some peope take it to far, for example my mate had a red escort which i posted up pics of it crashed, it was lowered on coilovers, 17s, full magnex and de-cat and superchip, still got full payout ... im not saying its right though :_
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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quote:
Originally posted by DJMartin07
My insurance is due end of next month so that's when i'll decide to declare it, as I think you should just declare them when it comes to renewal, and as i'll be paying monthly this time it's easier for me.
no. you should "deciede" to declare it when you have had the modified part fitted
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nik
Member
Registered: 19th Jun 00
User status: Offline
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quote:
Originally posted by muppetsport
quote:
Originally posted by nik
I'm betting most people on here don't have every mod declared. How many of you have told insurers about changing side repeaters/clusters, debadging, ICE etc 
all filled in on my form to insurers few weeks ago. i have even estimated what power my engine will make.
I did say most and was referring to the younger generation on here  Better ring up and tell them about my fluffy dice!
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Make sure you declare mods before you fit them...not after also, you never know what could happen 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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quote:
Originally posted by DJMartin07
Non of the mods on my cars have been declared as of yet. But if I had the money for the extra insurance I would declare them.
TBH, admitting that on the internet is a major error, especially as your insurance company could just do a google search for P471 NMJ and they may well see this.
Good luck if you have an accident 
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DJMartin07
Member
Registered: 1st Feb 07
Location: Bedford/
User status: Offline
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And also not all insurance companies are the same, as I had a mate with a Mi16 engine in a 106 and alsorts of mods, like coilovers, big brakes, etc. He crashed insurance company came and said yes that's a 16v engine you can repair, but deano's company won't even insure him if he lowers its. Odd I do believe.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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why not just put your reg plate on a enzo ferrari and drive that. say you just didnt declare the mods.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by DJMartin07
And also not all insurance companies are the same, as I had a mate with a Mi16 engine in a 106 and alsorts of mods, like coilovers, big brakes, etc. He crashed insurance company came and said yes that's a 16v engine you can repair, but deano's company won't even insure him if he lowers its. Odd I do believe.
an mi16 in a 106?
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John
Member
Registered: 30th Jun 03
User status: Offline
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DJMartin your comment is one of the most stupid i've heard.
If everybody had enough money they'd buy better cars and be able to insure them.
If they can't tell I wouldn't declare it.
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nik
Member
Registered: 19th Jun 00
User status: Offline
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quote:
Originally posted by DJMartin07
And also not all insurance companies are the same, as I had a mate with a Mi16 engine in a 106 and alsorts of mods, like coilovers, big brakes, etc. He crashed insurance company came and said yes that's a 16v engine you can repair, but deano's company won't even insure him if he lowers its. Odd I do believe.
Your mate won't be winning the lotto that's for sure.
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Wrighty
Member
Registered: 28th Feb 04
Location: Howden
User status: Offline
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for what its costs to insure mods you might aswell because if you crash, your insurance is void
and you lose everything
and its fraud
and tits like DJMARTIN that are the reason i have to pay nearly 2k insurance a year 
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MikeE
Member
Registered: 7th Mar 03
Location: Milton Keynes
User status: Offline
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quote:
Originally posted by DJMartin07
And also not all insurance companies are the same, as I had a mate with a Mi16 engine in a 106 and alsorts of mods, like coilovers, big brakes, etc. He crashed insurance company came and said yes that's a 16v engine you can repair, but deano's company won't even insure him if he lowers its. Odd I do believe.
its a risk..... a risk not worth taking imo
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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well its not a physical mod as such is it,
No parts are changed, its a tweek
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nik
Member
Registered: 19th Jun 00
User status: Offline
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quote:
Originally posted by Wrighty
for what its costs to insure mods you might aswell because if you crash, your insurance is void
and you lose everything
and its fraud
and tits like DJMARTIN that are the reason i have to pay nearly 2k insurance a year
No - It's tits buying jap import Subaru's and writting them off round a tree after 5 mins. And the pikey's nicking them.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Makes you more likely to crash.
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DJMartin07
Member
Registered: 1st Feb 07
Location: Bedford/
User status: Offline
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quote:
Originally posted by John
DJMartin your comment is one of the most stupid i've heard.
If everybody had enough money they'd buy better cars and be able to insure them.
If they can't tell I wouldn't declare it.
Well all my mods get declared next month at renewal time, plus they're Irish and only have there place in Dublin.
I would like them to have a place over here though!!!
[Edited on 03-12-2007 by DJMartin07]
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by mattk
well its not a physical mod as such is it,
No parts are changed, its a tweek
the std car has been altered. there is no way around that is there. its not the same as orignal.
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nik
Member
Registered: 19th Jun 00
User status: Offline
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Correct me if I'm wrong but doesn't tweek and modification mean the same thing?
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coke-gsi16v
Member
Registered: 21st Jun 07
Location: birkenshaw/bradford: drives: a scooby doo
User status: Offline
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quote:
its a mod thats very hard to detect, would you bother?
i would'nt bother mate
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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quote:
Originally posted by DJMartin07
Well all my mods get declared next month at renewal time, plus they're Irish and only have there place in Dublin.
So what if you crash between now and next month?
and what has them being based in Ireland got to do with anything?
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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you know what i mean
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Hamish
Member
Registered: 4th Apr 05
Location: Ashtead, Surrey Drives: 100bhp Mint with Hole
User status: Offline
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quote:
Originally posted by DJMartin07
quote:
Originally posted by John
DJMartin your comment is one of the most stupid i've heard.
If everybody had enough money they'd buy better cars and be able to insure them.
If they can't tell I wouldn't declare it.
Well all my mods get declared next month at renewal time, plus they're Irish and only have there place in Dublin.
I would like them to have a place over here though!!!
[Edited on 03-12-2007 by DJMartin07]
they do. Your talking about Quinn Direct and they have an office in Manchester. Check there website 
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nik
Member
Registered: 19th Jun 00
User status: Offline
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quote:
Originally posted by Robin
quote:
Originally posted by DJMartin07
Well all my mods get declared next month at renewal time, plus they're Irish and only have there place in Dublin.
So what if you crash between now and next month?
and what has them being based in Ireland got to do with anything?
Because they are Irish? right I'm off out have fun chaps, back later 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Matt, ring them and ask how much it would be to declare it, it might only cost you a few quid more, and would you want to risk not getting your thousands of pounds if you crash?
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DJMartin07
Member
Registered: 1st Feb 07
Location: Bedford/
User status: Offline
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quote:
Originally posted by nik
quote:
Originally posted by Wrighty
for what its costs to insure mods you might aswell because if you crash, your insurance is void
and you lose everything
and its fraud
and tits like DJMARTIN that are the reason i have to pay nearly 2k insurance a year
No - It's tits buying jap import Subaru's and writting them off round a tree after 5 mins. And the pikey's nicking them.
Tit's are called chavs that have no insurance atall, so therefor are driving illegally and can not pay out if they crash into someone, and insurance isn't cheap as until my renewal comes next month i've payed £1100 for a 1.2 8v, and only 1 more month and I have 1 year no claims bonus.
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