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Question
Posted: Sat Nov 11, 2006 12:55 pm
by Robi mk4
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
Posted: Sat Nov 11, 2006 1:33 pm
by gina
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...!
Posted: Sat Nov 11, 2006 1:44 pm
by bigstu
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
Posted: Sat Nov 11, 2006 4:11 pm
by mk4_bandit
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
Posted: Sat Nov 11, 2006 4:22 pm
by mysteryboy
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....
Posted: Sat Nov 11, 2006 7:23 pm
by danny_boy
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)
Posted: Sat Nov 11, 2006 10:14 pm
by david burton
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
Posted: Sun Nov 12, 2006 1:42 pm
by dragon_green
Only way to find out is to ring your insurance company and find out.
Posted: Sun Nov 12, 2006 3:55 pm
by Robi mk4
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
Posted: Mon Nov 13, 2006 11:31 am
by gina
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...
Posted: Mon Nov 13, 2006 2:41 pm
by jason11
buy ya self a roadangel lol :D
Posted: Mon Nov 13, 2006 4:20 pm
by vdubyabush
or just stick to the limit?
Posted: Mon Nov 13, 2006 8:07 pm
by Dee-vub
vdubyabush wrote:or just stick to the limit?
Exactemundo!
Posted: Tue Nov 14, 2006 5:43 pm
by Robi mk4
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
Posted: Tue Nov 14, 2006 10:53 pm
by vdubyabush
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??