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[Hercules Q Einstein]

QUOTE(RichMR2 @ Oct 14 2005, 11:40 AM)

So you know all the statistics for insurance claims? It is assumed that because I like to change how my car looks that Im a bad driver and crash alot? Considering Ive only ever had 1 accident, which was non fault, I suggest you check things out before you assume shit! And claiming, my excess is stupidly high, I have to pay the first £800 towards repairs, so it wouldnt be worth claiming for minor work. Like you said, you arent an insurance agent, so stop talking shit, that isnt an opinion at all, it is guess work based on what you believe, and what you believe is complete bullshit. That doesnt make it an opinion, it makes it someone else spouting bullshit over something they quite obviously know nothing about.

[Rylinkus]

QUOTE(Hercules Q Einstein @ Oct 14 2005, 09:58 PM)

PS- Chill out, your posts will get modded/deleted quickly if you dont ease up on the insults.

[thewickedjester]

QUOTE

So you know all the statistics for insurance claims?

^ *shortened in the interest of space*

Ok, I am not a moderator of these boards, and I know its been said before, but holy cow, calm down. The guy was just thinking out loud, he wasnt badmouthing your car, you took it WAY to personally. Chill out.

QUOTE

It's illegal not to! If you drive without declairing mods your insurance is null and void

I dont know where you heard this. From my insurance company, and yes I asked them of this, what I had to do to get the things I modified on the car covered in the insurance. They said I had 2 choices, I could not declare the mods and the car would only be covered as if it were a stock car. Or I could list the cost of all the mods, have a percentage of that added to the car and my insurance rate would also go up. However, I had the choice not to, it isnt illegal, and my insurance company didnt care. Why? Because if I wreck, its less money they pay to me, so I honestly dont think they care. And according to them it isnt illegal.

QUOTE

you would also be spending some time in a hospital bed too for being such a cunt.

Where. The. Hell. Did that come from? Why are you taking this so personally? Jesus dude, chill out...

[Psykomantis00]

As long as you have receipts to the work and parts that went into/onto the car they will cover it. Thats my experience anyway. You dont need to tell them jack till you are hit.

[mrright01]

another reason to hate rice, my friends riced out(body kit/etc) 98 honda accord just got stolen from downtown, we left it at 11pm, and at 2:30am it wasn't there, now it's almost 5am and i'm freezing and just getting home. ricers suck anus for stealing cars with no real mods

yes i'm still drunk

[Psykomantis00]

QUOTE(mrright01 @ Oct 15 2005, 10:48 AM)

another reason to hate rice, my friends riced out(body kit/etc) 98 honda accord just got stolen from downtown, we left it at 11pm, and at 2:30am it wasn't there, now it's almost 5am and i'm freezing and just getting home. ricers suck anus for stealing cars with no real mods

[thewickedjester]

QUOTE

As long as you have receipts to the work and parts that went into/onto the car they will cover it. Thats my experience anyway. You dont need to tell them jack till you are hit.

Yeah, I know this isnt right.

QUOTE

If you dont declair mods your insurance is null and void

Ok, last I'll speak on the topic to keep from getting repetitive, I didnt. And I wont agree with you until you show me the law that says you have to list every mod on your car. By every mod, I can assume you mean things like lift kits, bigger wheels and tires, as well as an air intake, aftermarket radio, and a radical camshaft all fitted onto a 2002 Ford Ranger which my freind rolled 3 times and totaled. The insurance company paid out the full value of the truck if it were stock after inspecting every mod that was done to it and deeming that they were not the cause of the truck rolling over. I'm not saying your lying, but I do think your wrong.

Where are you by the way? If your in the UK it might be different, as I'm in the US... Didnt think to ask about that...

[Rylinkus]

QUOTE(RichMR2 @ Oct 16 2005, 03:28 AM)

And, Im only giving back what Im getting in here, if you cant take it back then dont start insulting me or what I like in cars!

[Hercules Q Einstein]

QUOTE

So you didnt say I was a bad driver? Because thats how it read to me. You assume alot and know pretty much nothing! I know alot of people who work in insurance, I know how they calculate the premiums. Age affects the excess, young drivers usually have higher excess. My excess is stupidly high due to the mods on the car, my premium isnt too bad because they arent performance enhancing mods. I dont plan on having to claim so that suits me fine. Location affects the premium and excess, bad areas usually have higher premiums for obvious reasons. And what you drive affects the premium, a high risk car, anything group 15 or above, will be very high on the premium whatever age/location. 20 different groups, higher the group the higher the insurance premium. Most insurers will also require thatchman approved security devices fitted to high risk vehicles, it was a condition of my insurace that I have one fitted. Weather this is the same in other countries I dont know and dont care, but thats how it is in the UK

And, Im only giving back what Im getting in here, if you cant take it back then dont start insulting me or what I like in cars!

Thats exactly what im saying. The type of car or 'group' effects you rates. If you 'rice out' you car it will be looked at as more of a high risk car than a stock one. You even said you insurance is high due to your mods.

As for declaring mods, everyone else is talking about here in the USA.

[Rylinkus]

QUOTE(RichMR2 @ Oct 16 2005, 06:48 PM)

As I have said in almost every one of my recent post, Im talking UK insurance!! If people are arguing with me over that, and dont realise Im talking UK then they obviously arent reading all of what Im saying, in which case, read all of what Im saying before picking out points out of context!

[mrright01]

QUOTE(RichMR2 @ Oct 16 2005, 06:48 PM)

As I have said in almost every one of my recent post, Im talking UK insurance!! If people are arguing with me over that, and dont realise Im talking UK

ok, i searched for over an hour on the internet for uk/british, dot/insurance, modifications, etc and found nothing. i don't even know what you call the uk dot(dept of transportation). then i will read the laws, and post them here since you refuse to help us out on understanding your laws. but from what i did find, is that body modifications are equal to engine modifications because a car with body mods is just as likely in insurance eyes to have a  reckless owner, and be stolen. and to do an engine swap you must fit the car with all the brakes/suspension/etc of the car you took the engine out of.

jason

[Psykomantis00]

It sucks for you guys. All I have to do is call my insurance company and tell them the vin number and its added to my3 month bill. The car could be a sunfire (thats just what I ahve atm) or better yet, like my mirage. It was originally a 4g15 5 speed fwd car. I then converted it to awd, and dropped a 4g63t motor in it. It was almost complete, the awd worked but the driveshaft would vibrate so I just took it off and left it fwd until I could get it fixed. A drunk driver plowed into it, destroying the unibody and all the work I had done, the engine mounts even cracked in a few places. I called the insurance company and told them it was totaled, they didnt need someone to look at it, I just sent them a few pics, and a few receipts from the engine swap and the welding i had done and they gave me money that I spent on the car to get it to the condition it was in before asshat plowed into it.

Short version. You dont have to pay extra for mods done to your car here, and they will still cover it if you can prove that the work done to the car, with receipts and actual paper work, they will replace it. I even got to keep my 4g63t which is going into my new mirage and another awd swap... maybe... unless I can get an rx7 and the motor will only be swapped to the mirage if the current one blows.

[thewickedjester]

QUOTE

As I have said in almost every one of my recent post, Im talking UK insurance!! If people are arguing with me over that, and dont realise Im talking UK then they obviously arent reading all of what Im saying, in which case, read all of what Im saying before picking out points out of context!

I did read everything you said. And I'm sorry I missed it. Though, I have never seen anything in the UK either.

[Rylinkus]

QUOTE(Psykomantis00 @ Oct 17 2005, 02:30 AM)