Question

Robi mk4 · Post by **Robi mk4** » Sat Nov 11, 2006 12:55 pm

rite i just got a kin speeding ticket thru, so i kno it will put my insurance up, im only 17, so does this mean i can 4get getting coilovers as the insurance will just b 2 much? cheers guys

gina · Post by **gina** » Sat Nov 11, 2006 1:33 pm

Hmmm, I never told my insurance company I had modified my last car, it was lowered and had new alloy wheels. I read in a car magazine recently that not all "mods" actually put your insurance up.

Best giving them a ring and asking OR finding a young persons insurance company etc.

I found Tesco good for me but since my accident and points Norwich Union are better...!

bigstu · Post by **bigstu** » Sat Nov 11, 2006 1:44 pm

first speedin offence normally wont increase premiums, coilovers will in any case*, BUT both may not b a good combination, best to ask your insrance a "what if......"

*unless you have modified policy

mk4_bandit · Post by **mk4_bandit** » Sat Nov 11, 2006 4:11 pm

HA HA n*bber, im suprised your car goes above 30 seing as it's a 1 litre,

jokes mate. still get colies, just try and win the lottery or something to pay for the insurance

mysteryboy · Post by **mysteryboy** » Sat Nov 11, 2006 4:22 pm

Never been caught speeding so Im not sure how it works in regards to insurance... I asume as long as you don't get any points on your licence from the speeding ticket you dont tell them anything....

danny_boy · Post by **danny_boy** » Sat Nov 11, 2006 7:23 pm

dont tell em! dont tell em anythin!! jus say the car alredy had the stuff on when you brought it if you hav a prang lol (thas my plan anyway)

david burton · Post by **david burton** » Sat Nov 11, 2006 10:14 pm

danny_boy wrote:dont tell em! dont tell em anythin!! jus say the car alredy had the stuff on when you brought it if you hav a prang lol (thas my plan anyway)

that approach wouldn't work. ignorance is not an excuse regarding insurance, and if you were unlucky enough for someone to inspect the car then you'd be screwed and uninsured, pushing the prices up for everyone else

dragon_green · Post by **dragon_green** » Sun Nov 12, 2006 1:42 pm

Only way to find out is to ring your insurance company and find out.

Robi mk4 · Post by **Robi mk4** » Sun Nov 12, 2006 3:55 pm

cheers guys so i guess it a case of ring and see wot they say, n i got 3 points (sum1 mentioned was i gettings points) so yea the next 20 month speed limits everywhere else ill loose the license!!! but i may just se if gettin spring swill b a better idea i cant go as low as i want then, but it may save a lot of issues lol, cheers guys

gina · Post by **gina** » Mon Nov 13, 2006 11:31 am

I'm not sure what the rules are regarding insurance companies coming out to inspect your car in an event of an accident....

When I had my accident, it was dealt with with just one phone call that was it.

Also, someone I know had his car written off and they said they would come and look at the car, he s**t himself as he had a much bigger engine in it, but they never came, (he'd already disposed of engine anyhow).

I thought they came to check your car if there had been fatalities in the accident....possibly wrong though...!?

Would be nice to know the rules regarding this though...

jason11 · Post by **jason11** » Mon Nov 13, 2006 2:41 pm

buy ya self a roadangel lol :D

vdubyabush · Post by **vdubyabush** » Mon Nov 13, 2006 4:20 pm

or just stick to the limit?

Dee-vub · Post by **Dee-vub** » Mon Nov 13, 2006 8:07 pm

vdubyabush wrote:or just stick to the limit?

Exactemundo!

Robi mk4 · Post by **Robi mk4** » Tue Nov 14, 2006 5:43 pm

well to b fair i wernt planning on goin over the limit, im not a knobber of a driver, same as any1 else, its not like i was caught doin 50 in a 30, i was a few mile an hour over so i intended 2 stay on the limits, im not tryin 2 defend it i was speeding n i was caught,the question was can i still afford insurance on a modded car. dnt mea 2 sound like im having a go, but im still pretty pissed bout it etc, so soz 4 this blob

vdubyabush · Post by **vdubyabush** » Tue Nov 14, 2006 10:53 pm

how much where you over?? isnt it normally 10% plus 3 or sumfin

so if you was in a 30 you would have been doing 36mph??