Who's car is truthfully insured?

steve b · Post by **steve b** » Wed Jun 14, 2006 12:04 pm

So who's totally honest, their car has every mod declared, its listed as the correct model, you keep it in a garage as you claim too, its insured as your car in your name, not in your mothers or fathers etc

don't give comment so we have a true picture of how things really work.

Matty_GTS · Post by **Matty_GTS** » Wed Jun 14, 2006 12:22 pm

Always been truthfull on its use, where kept who uses etc.

Up until now i haven't mentioned all mods being under 21 on a 300+ bhp car ... didn't really work.

Off the road at the moment but when its back on all the body work/wheels etc will be declared ... just unsure on engine mods in there entirity! lol

Basics like the filter/ zorst / "chip" (albeit a Power FC) are declared but said to woman intercooler and for some reason she went "Oooo i'll have to speak to my supervisor!" lol.

Would you bother mentioning a boost controller n that is set at X psi over standard?? Lol, they going to charge a fixed rate for every psi you increase it? hehe

jimGTS · Post by **jimGTS** » Wed Jun 14, 2006 12:33 pm

yep everything, this insurance year anyway

nightSpirit · Post by **nightSpirit** » Wed Jun 14, 2006 12:39 pm

I used to be insured as a GT, non turbo...when I was younger

But a few years back declared it as a turbo, then when all the work was done I told my insurance company about the wheels, bodykit etc and the turbo, exhaust, filter...

My quote, due to living in Chavford or Bradistan as we affectionately call it went up for the first time ever this year to just over 1k fully comp with full no claims at 28years old...garaged (honestly) and cat 1 alarm.

Got a quote at the new address....500 quid

SB · Post by SB » Wed Jun 14, 2006 12:59 pm

nightSpirit wrote:My quote, due to living in Chavford or Bradistan as we affectionately call it went up for the first time ever this year to just over 1k fully comp with full no claims at 28years old...garaged (honestly) and cat 1 alarm.

I visit up your way quite a lot - I've got friends in the nightclub business up there - I was amazed how often I've seen cars on low loaders with what looked remarkably like bullet holes in the windscreen...

I dread to think what insurance must be like there! Best curries I've ever had though

Anyway, my car is truthfully insured - I've haven't started the modding, yet...

matt_mr2t · Post by **matt_mr2t** » Wed Jun 14, 2006 1:02 pm

I mentioned everything when I bought it but nothing since.

Although thats mainly the unichip, avcr, ct20 and downpipe.
Can yank the two electrical things out if need be and the turbo looks the same and is a Toyota one

I may list the avcr and unichip when I re-new this year though.

nightSpirit · Post by **nightSpirit** » Wed Jun 14, 2006 1:05 pm

Wow SB...never seen (thankfully) any shootings up here, wouldn't suprise me though with most locals thinking they were brought up in the ghetto/Bronx.

I'm sure fellow Bradistanians will back me up when I say 'it's grim up north'.

SB · Post by SB » Wed Jun 14, 2006 1:21 pm

I don't think it's that bad up there actually

I've never personally had any trouble, but then I'm never up there for more than a long weekend at a time... might be different if I lived there

I always enjoy my trips ooop norf though - I'm back up there this weekend I think

chiefbrody · Post by **chiefbrody** » Wed Jun 14, 2006 6:15 pm

nightSpirit wrote:Wow SB...never seen (thankfully) any shootings up here, wouldn't suprise me though with most locals thinking they were brought up in the ghetto/Bronx.

I'm sure fellow Bradistanians will back me up when I say 'it's grim up north'.

PMSL

I'm not a Bradistanian but I'm only one postcode away...

Over here in Halifax we prefer stabbings, though there have been a few shootings in these parts. Lovely area.

mr2nut123 · Post by **mr2nut123** » Wed Jun 14, 2006 6:17 pm

nightSpirit wrote:Wow SB...never seen (thankfully) any shootings up here, wouldn't suprise me though with most locals thinking they were brought up in the ghetto/Bronx.

I'm sure fellow Bradistanians will back me up when I say 'it's grim up north'.

Im a bradistani. You tekin p1$$ innit? bradford really isnt as bad as you'd think but it does smell a bit in parts

ENSMR2 · Post by **ENSMR2** » Wed Jun 14, 2006 6:35 pm

You guys wanna try living in tottenham then

Hear gunshots every other night. Broadwater farm is round the back of the house bacsically lol.

RE the insurance. The rev 1 tubby I had was modded suspension wise to the max. It came over from Japan like that. As I didn't know exactly what they were it was insured as stock.

I always insure vehicles in the home with the gf as it is in a better area and the difference in quotes is unbelievable!

firstmk1 · Post by **firstmk1** » Wed Jun 14, 2006 7:09 pm

At this time we have a greater number of dishonest IMOC'ers

You'll get no sympathy from me if they catch you and leave you paying to fix your car.

steve b · Post by **steve b** » Wed Jun 14, 2006 7:21 pm

yes worrying isn't it, ... explains a lot of things IMO. I know there are a few people running the risk, didn't realize it was 50% ish

swin · Post by **swin** » Wed Jun 14, 2006 7:49 pm

only got a couple of mods (exhaust, air induction and alloys)all declared insurance 340 quid fully comp
crime here in lincolnshire is terrible just yesterday some youths knocked over a couple of bins!

skinthespin · Post by **skinthespin** » Wed Jun 14, 2006 7:54 pm

Ive declared everything, which is quite a bit, and my car is a second car so doesn't qualify for no-claims, so I was amazed I got insured at all, a group whatever it is jap import car, loads of mods, 6 points and no NCB, £688 fully comp (I am an old g*t though!).

axisofunity · Post by **axisofunity** » Thu Jun 15, 2006 12:12 am

21 2 years NCB

All mods declared, quite a few. Garaged, Alarm. £1000 fully comp.

When I say all mods, I mean all mods.

Steve Horrocks · Post by **Steve Horrocks** » Thu Jun 15, 2006 6:37 am

pmsl @ mark, bradistan is nice aint it! you wanna move down to oldhamdesh mate!

This year everything is being declared (right down to the ARP's!) fully comp, protected no claims, blacklisted insurance area, just over £1000. Impressive!

That's with the club insurance. =D>

Sidewinder · Post by **Sidewinder** » Thu Jun 15, 2006 8:10 am

I've declared every modification; even down to the anniversary sill plates (which don't affect performance and can't be seen with the doors closed anyway!).

However...just where do you draw the line with regard to informing the insurance company of your mods? Is it down to performance and/or styling mods?

For example, if the MR2 rolled out of the factory with boggo-standard tyres and you replace these with mega-expensive-supa-dupa-grippy tyres, aren't you increasing the performance of the car? What about changing the brake fluid from DOT 4 to DOT 5 - surely you are improving the braking performance of the car?

jimGTS · Post by **jimGTS** » Thu Jun 15, 2006 8:18 am

matt_mr2t wrote:I mentioned everything when I bought it but nothing since.

Although thats mainly the unichip, avcr, ct20 and downpipe.
Can yank the two electrical things out if need be and the turbo looks the same and is a Toyota one

I may list the avcr and unichip when I re-new this year though.

and what will happen if you have a bad accident which wont enable you to take these parts off?
theyll be going over the car while your in hospital fella......
not only then would insurance be void but you would have to pay for some crazy expenses....public property dmaages, damages to other road users (if you hit anyone).....

i orginally had and hid my mbc last year, but the worry was to much....
to have a shiny avcr, chip is very obvious....turbo maybe not.

chiefbrody · Post by **chiefbrody** » Thu Jun 15, 2006 9:13 am

I just hope 50% of you guys dont hit me or my car

www.imoc.co.uk