Have you told you insurance company about your modifications?

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What are insurers like with things like Aux fuel tanks and split charge systems? If you did them your self would you struggle to get insurance given the potential fire and safety risk?
 
sorry thought this might be a good time now danp3 brought it up
if i was prime minister you wouldnt be able to drive a vehicle until you were 25 anyway
you would get a free bus pass and thats it, the test would be very very difficult to pass and it would be one strike and your out regarding your licence (no insurance, drink driving, recless driving etc)
but that doesnt end there its not just the young ones that get kicked, us old ones once reaching pension age (not retired as i am a lot sooner than age) should be made to take a test every year and undergo a medical.
my reasons for this is that i am bluddy fed up of parking on the motorways due to high volumes of traffic, our roads where not meant to take this much stick, not a wonder they cant keep up with repairs
 
Hi guys,

I can confirm that you need to declare any modifications to insurers, as if not you run the risk of paying hundreds of pounds for insurance that isn't worth the paper it's written on.

You will find that specialist insurers will find a modified car a much more desirable risk because if you have gone to the length of purchasing modifications and working on the vehicle, you are much more likely to take care of it and be more careful on the road.

Think of it like this as an example, a heavily modified Defender that the owner has spent money on, and is worth a few thousand OR, a £500 standard Discovery - Which one is more likely to be crashed? The one that the owner has worked on all year, or the cheap hack that he wont mind getting bumped & scraped?

People (Including myself until I worked here!) are in the mindset that if a vehicle is modified, it costs more.

Incorrect in most cases, you just need to talk to specialists. I'd hate for any of you guys to non-disclose modifications, have a bump and be left with nothing. Even a standard engine replacement is classed as a modification - My advice has always been if you are unsure, ask the question.

I am only a PM away and can get the information from the horses mouth so to speak when it comes to clarification.

Of course if anyone would like a quote please do just give me a PM, I can arrange a call back and we can do our best.

I hope this helps

All the best

Jordan
 
b20wnx said:
sorry thought this might be a good time now danp3 brought it up
if i was prime minister you wouldnt be able to drive a vehicle until you were 25 anyway
you would get a free bus pass and thats it, the test would be very very difficult to pass and it would be one strike and your out regarding your licence (no insurance, drink driving, recless driving etc)
but that doesnt end there its not just the young ones that get kicked, us old ones once reaching pension age (not retired as i am a lot sooner than age) should be made to take a test every year and undergo a medical.
my reasons for this is that i am bluddy fed up of parking on the motorways due to high volumes of traffic, our roads where not meant to take this much stick, not a wonder they cant keep up with repairs
Click to expand...

F**king typical old person.
Changing it to 18 would screw a huge number of people over, let alone 25, fine if you live in a town or city, but, live in the countryside, hitting 17 and being able to drive is a life line, it gives you access to a social life in the local towns and the ability to visit girls / friends. Buses? What the feck are they? They definitely don't exist in the countryside. Starting to learn on the road from 17 also means you can be passed and done before uni for those who go, given that a lot of graduate jobs require you to have a driving license, if you couldn't start learning till 18 a lot of younger people wouldn't be able to pass before uni, being able to afford to learn to drive whilst at uni is very unlikely so, you graduate without the ability to drive and you have reduced employment opportunities. (same applies for those who leave collage / school at 18 looking for work)

Speak to anyone in a pub about drink driving, it's not the young people, young people (generically speaking) won't even have one drink if driving - people in there 40's and upwards will quite happily knock back 3 or 4 pints then drive. :eek:
 
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ALWAYS DECLARE
my last car had everything , forged engine , big garrett turbo , remapped , bigger injectors , 6paddle helix clutch everything pritty much , yes it was more expensive but it was double the power from factory
ive declared all mods on the landy and its actually made it cheaper ! ,
thats with adrian flux aswell
 
Thanks for the replies.
My car is SORN while I get the VCU sorted & some bigger tyres but I'm keeping the insurance going, will add on all the mods when the car goes back on the road.
 
Now that's a point. What if you've declared a particular accessory but haven't actually got round to fitting it? Does that invalidate your insurance?
 
Bump said:
F**king typical old person.
Changing it to 18 would screw a huge number of people over, let alone 25, fine if you live in a town or city, but, live in the countryside, hitting 17 and being able to drive is a life line, it gives you access to a social life in the local towns and the ability to visit girls / friends. Buses? What the feck are they? They definitely don't exist in the countryside. Starting to learn on the road from 17 also means you can be passed and done before uni for those who go, given that a lot of graduate jobs require you to have a driving license, if you couldn't start learning till 18 a lot of younger people wouldn't be able to pass before uni, being able to afford to learn to drive whilst at uni is very unlikely so, you graduate without the ability to drive and you have reduced employment opportunities. (same applies for those who leave collage / school at 18 looking for work)

Speak to anyone in a pub about drink driving, it's not the young people, young people (generically speaking) won't even have one drink if driving - people in there 40's and upwards will quite happily knock back 3 or 4 pints then drive. :eek:
Click to expand...

Come to think of it, you've got reduced employment possibilities from the age of 17 onwards if you don't have a licence. Especially in the sort of rural areas where I spent my teenage years. There might be less traffic on the road but a lot more people signing on in the countryside.
 
rubbish rubbish rubbish, a vehicle is a luxury no matter what you say, if your vehicle broke down in the country side and couldnt be fixed for a week, what would you do - phone in sick?? dont think so, you would arrange alternative transport to get you there.
obviously the inner workings of the transport system around this country need looking at in a big way but non the less if you want to get somewhere you will get there.
as for lack of jobs without a licence whats that all about>>>>>???????
when my dad stopped driving it didnt mean he had to stay at home all the time, he goes all over the country by bus and train and even a taxi now and again. dont forget a vehicle is a luxury
 
b20wnx said:
rubbish rubbish rubbish, a vehicle is a luxury no matter what you say, if your vehicle broke down in the country side and couldnt be fixed for a week, what would you do - phone in sick?? dont think so, you would arrange alternative transport to get you there.
obviously the inner workings of the transport system around this country need looking at in a big way but non the less if you want to get somewhere you will get there.
as for lack of jobs without a licence whats that all about>>>>>???????
when my dad stopped driving it didnt mean he had to stay at home all the time, he goes all over the country by bus and train and even a taxi now and again. dont forget a vehicle is a luxury
Click to expand...

Luxury? :5brofl:

It's a utility and a tool to get you from A to B. If the vehicle breaks? You beg a friend at work to pick you up or you borrow a car from someone - worst case when I was younger it was an hour bike ride to the nearest town, ok for every now and then, but, on country lanes it wasn't exactly safe or practical.

How are you meant to get to work with no vehicle? No one is going to employ you then not expect you to turn up due to lack of transport. It is a requirement. My job stated i needed to have a licence when i started after uni.

I'm sure your father is very fortunate to live in a place with public transport. He sure as hell doesn't live where I grew up... :rolleyes:
 
Bump said:
F**king typical old person.
Click to expand...

Is there such a thing as a F**king typical old person, is there such a thing as a F**king typical young person?

I live in a rural location and I'm all for young people getting a driving licence as soon as they're old enough, if anything lower the driving age to 16. The rural bus services are crap and many 16 year olds have no option but to ride a moped to work, riding a moped on lanes covered in cow crap is a dangerous business particularly at night. As for raising the age of driving to 25, that's just insane.

The only reservation I have is the cost of insurance for a 16/17 year olds, at the moment it's just legalised theft by the insurance companies. They admit claims have reduced in recent years due to in car technology and cameras etc but never lower the premiums. Why?

Well, they can get away with it for as long as people are prepared to pay silly money. If you're just starting out on your driving career get as many quotes as possible from individual companies and play them off against each other, they will reduce your premium rather than loose your business.

Avoid price comparison companies and brokers, companies such as Gocompare, moneysupermarket, Adrian fux, confused (definitely are!), the meercat one, they all have to have their slice of the cake on top of your premium. Once they've given you the lowest quote (according to them) you have nowhere to go. Getting quotes from individual companies will involve a lot of legwork (phonework?) but will pay off in the end ;)

Slightly off topic, sorry chaps.
 
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i dont care what you say, a vehicle is a luxury, how did you get to school before driving age? how did you socialise before driving age? how did you get to places once you had your licence but didnt have use of a car?
dont forget its not just young people i am aiming this at its also the retired.
dont get me wrong i know it would inconvenience a lot of people but so does a lot of other things in this life
 
Nigel-S said:
Is there such a thing as a F**king typical old person, is there such a thing as a F**king typical young person?
Click to expand...

Not really... maybe i should retract that statement

b20wnx said:
i dont care what you say, a vehicle is a luxury, how did you get to school before driving age? how did you socialise before driving age? how did you get to places once you had your licence but didnt have use of a car?
dont forget its not just young people i am aiming this at its also the retired.
dont get me wrong i know it would inconvenience a lot of people but so does a lot of other things in this life
Click to expand...

Up to the age of 16 there was a school bus which toured all the local villages. When you finished GCSE age you couldn't use the school bus to get to sixth form - thankfully there was another kid in the village a year older than me I could give petrol money to in return for a ride. Failing that it was reliant on my parents, who both worked so involved me getting there 2 hours early.

I had use of a 90 from the age of 13... that was never an issue. My parents transported me around until my sister could drive then she did... it's part of living in the countryside!


tis easy as someone who's had the luxury to then take it away from a young person... it doesn't affect them but they feel they know best for the youngster... not allowing the youngster to learn for themselves.

From a semi-young person's point of view i feel that everyone who hits 60 should have to re-take their driving test every 5 years - you see some old people who are lethal on the roads, really shouldn't be allowed. Bet you disagree with that though :rolleyes:
 
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