Something a little bit more.. insurable

[Catflem]

If only you could put it off for another year

http://www.cars.co.uk/articles/men-and- ... rance.html

But I must add that I think the European ruling is total b*ll*x, and it should have been left the way it is.

There's a couple of years age difference between my niece and nephew. She drives sensibly and has never had an insurance claim or speeding ticket - the Nephew on the other hand drives like an absolute prat, has written off 3 cars, and has god knows how many points on his licence. The ridiculous thing is that he thinks he's the better driver

[rwb]

...Some of the cheaper quotes I have had so far are on the following:
Fiat Panda 1.3 JTD - £2k
Reault Clio 1.2('99) - £2.5k
Citroen C2 1.1 - £2.8k
...

That is actually outrageous.

I just put a 2000 Fiesta 1.2 through Aviva (who are expensive anyway) and it came out at £4,700.

This is complete nonsense.

[ToddM]

...Some of the cheaper quotes I have had so far are on the following:
Fiat Panda 1.3 JTD - £2k
Reault Clio 1.2('99) - £2.5k
Citroen C2 1.1 - £2.8k
...

That is actually outrageous.

I just put a 2000 Fiesta 1.2 through Aviva (who are expensive anyway) and it came out at £4,700.

This is complete nonsense.

I know right? Experiment with different types of cover, sometimes fully comp or 3rd party + fire and theft can be much cheaper!
PS: Farmer I now know what you mean about the Panda's gearshift and jolly little chassis. It feels so.. nice! It's not the best handling car in the world but it's just outright fun to drive
PPS: The diesel really is quicker, feels quicker as well

[lozz]

Ah just listen them Youngens,
goings on about steering wheels and gearsticks,!

try driving something we had to get used to , with no power steering, and the Regualar saying coming out Carnt find it grind it

Anythings got be better than a Robin reliant,
think your going to have to stick to your bmxs if you dont want to pay Todays insurance prices

[FarmerPug]

PS: Farmer I now know what you mean about the Panda's gearshift and jolly little chassis. It feels so.. nice! It's not the best handling car in the world but it's just outright fun to drive
PPS: The diesel really is quicker, feels quicker as well

actually on the spec sheets the 1.2 engine is quite archaic, 8 valves i thought it was just expected for modern petrols to have 16, and then the diesel goes one further by getting a turbo and some more cubes. But thats on paper, a small fiat needs to be petrol so you can rev the shite out of it they sound great at high revs. But i suppose the diesel would be good it does get much better mpgs and you still have the great handling.

But the ultimate panda is still the 100hp :
http://www.autotrader.co.uk/classified/ ... ?logcode=p
it actually looks good in white, but they are too expensive right now

[ToddM]

Ah just listen them Youngens,
goings on about steering wheels and gearsticks,!

try driving something we had to get used to , with no power steering, and the Regualar saying coming out Carnt find it grind it

Anythings got be better than a Robin reliant,
think your going to have to stick to your bmxs if you dont want to pay Todays insurance prices

I learned to drive on a 1971 Lada, don't even say anything about lack of power steering or lorry-like clutches In Soviet Russia, steering wheel wrestle you
And you didn't have to pay 3 grand to insure a car, did you?
Never been a BMX man myself, I prefer all terrain bikes, infact I built a fair few and sold them while I was back in Bulgaria.

actually on the spec sheets the 1.2 engine is quite archaic, 8 valves i thought it was just expected for modern petrols to have 16, and then the diesel goes one further by getting a turbo and some more cubes. But thats on paper, a small fiat needs to be petrol so you can rev the shite out of it they sound great at high revs. But i suppose the diesel would be good it does get much better mpgs and you still have the great handling.

But the ultimate panda is still the 100hp :
http://www.autotrader.co.uk/classified/ ... ?logcode=p
it actually looks good in white, but they are too expensive right now

I know what you mean about small petrols. My granddad now has an Agila 1.0 which Im using as a summer run-about when I go back to Bulgaria this year, it's basically half a V6! Makes a jolly good sound and feels like it's going twice as fast as the speedo's showing. I'll probably sign for a delivery company though and go around my local area delivering packages to pay for the car and insurance so I guess I'll cover quite a lot of miles and considering the cost of LPG I reckon diesel is the better choice. My main problem with the 100hp is the insurance AND the starting costs, besides the diesel has a turbo so it's easy to fiddle around with it.
PS: I'm probably going to do a 100hp body, suspension and brake conversion anyway, I mean the insurers wouldn't notice, would they?

[lozz]

ah didnt know you was a Russian todd

ibet youve driven some shite cars then ?

[FarmerPug]

That explains why the insurance costs are a bit mad then. If you dont mind me asking what age are you, and how long have you been driving?
The panda 100hp over here is in group 4 which would still be quite cheap, insurance companies over here would want to know you added a 100hp kit to a diesel.

[sirwiggum]

That explains why the insurance costs are a bit mad then. If you dont mind me asking what age are you, and how long have you been driving?
The panda 100hp over here is in group 4 which would still be quite cheap, insurance companies over here would want to know you added a 100hp kit to a diesel.

Not that I'm for fraud, but how would insurance companies *know*?

In an accident, would they inspect the (potentially damaged) engine ECU map etc.?

Only accident I had, the man came and looked at the car while I wasn't there and valued it. Got the mileage by looking in the window. Didn't inspect for mods etc.

[lozz]

That explains why the insurance costs are a bit mad then. If you dont mind me asking what age are you, and how long have you been driving?
The panda 100hp over here is in group 4 which would still be quite cheap, insurance companies over here would want to know you added a 100hp kit to a diesel.

Not that I'm for fraud, but how would insurance companies *know*?

In an accident, would they inspect the (potentially damaged) engine ECU map etc.?

Only accident I had, the man came and looked at the car while I wasn't there and valued it. Got the mileage by looking in the window. Didn't inspect for mods etc.

its going to be brought in to mots so im told, carnt see that happenin tho,
insurers dont check for 'remaps, obviously all visual things Mod wise wouid be picked up and Questioned,
they can use that then at there descretion to Void a claim, not worth it realy on Mods that can be easily spotted.
Remap ? err no idont know anything about that is that an upgrade for the Sat nav ? (just act dumb )

[FarmerPug]

if your on 3rd party why does this even matter?

[sirwiggum]

if your on 3rd party why does this even matter?

Presumably yes. If you have a Corsa insured as a 1.0 and have dropped in a 2.0 C2OILET redtop, then plough into some other poor bugger, his insurance company is likely to want to know why you were doing 110mph on the high street.

[FarmerPug]

but why do they wish to know about the way my footwells illuminate when i open the door.

[sirwiggum]

but why do they wish to know about the way my footwells illuminate when i open the door.

Presumably they wouldn't as it doesn't increase performance.

However, insurance companies like to know these things because thieving parasites catch a peek of your illuminated footwells and think "ME WANT SHINY". They then proceed to break in and attempt to steal the car. Of which you are likely to claim off the insurance.

So this is why they like to know about non-performance extras, and get all huffy if they inspect your car after a crash and find out you didn't declare any of it!

[FarmerPug]

how long a delay is there between your car getting a scrape on it and them inspecting it, wouldnt you have time to unretrofit such additions?