Some people honestly don't deserve the cars they own

[civic360]

Had a wonderful drive last night with a few of my friends as you do on a dry night, and I encountered another civic owner, nosey me I wanted to see his set up, now the kid had only just got his liecence fair play civic for a first car dope. But what amazed me more was what was under the bonnet, a fair b18 from the MB6. I asked him if his insurance cost him an arm and a leg as you do, and he said no it was an ej9 before the conversion so it's still insured as a 1.4, so I replyed you are going to notify your insurance company right? and he said no and laughed, (I am guessing his mum bought his car). my friends wernt impressed at all but we didn't say anything because it really wasn't our place ( we really should have). so we carried on driving to hedge end, we finally get there and matey decides to put his foot down after all of us repeatedly telling him that police are going to be every where as it is quiet, and what do you know an unmarked subaru something which isnt an impreza flashes his lights before you know of it all of us get our details taken down. I swear this kid is going to crash some day, and then I will have wait another year before I can own a ek9 and insure it, surely the people who sell these cars notify the DVLA right, because this is just pain unfair =[

 

[Loonsta]

You know his name and the plate on the car? If so go and grass him up to the police. He's committing insurance fraud and added to that he's the typical profile of someone who'll cause an accident doing someone a serious or fatal injury. Added to that he'll be pushing everyone elses premiums up.

 

[zeff]

some guys are lucky..but all luck runs out sometimes..

 

[jordan101]

some guys are lucky..but all luck runs out sometimes..

X2 a very true statement

however i doubt you will get any more than 5% of drivers who have done a conversion notifying the insurance because of the costs it is stupid however everyone to there own

 

[General]

You know his name and the plate on the car?

I don't think that's anyones business but his own tbh. That's like saying, if you had your foot down on vtec and someone got your plate and grassed you to the police...Sorry, but I think it's complete b*llocks, what pleasure or satisfaction would you get out of grassing someone to the police when they've not affected anyone else? As above, their luck will run out some day and it's up to them what they do

 

[Barryl85]

Not bein funny but you really should mind your own business, let the guy make his own mistakes this is the kinda stuff that gets you into bother.

I never declared my conversion before, went from a b16a to a b18c - my car got paint strippered n insurance guy came out checked over the car - he didny have a clue.

 

[jordan101]

Not bein funny but you really should mind your own business, let the guy make his own mistakes this is the kinda stuff that gets you into bother.

I never declared my conversion before, went from a b16a to a b18c - my car got paint strippered n insurance guy came out checked over the car - he didny have a clue.

X2 everyone to there own, i am in the middle of doing a conversion and more than likely will not be declared for the main reason anyone other than honda guys loking at it would be clueless if it was the standard or upgraded engine

 

[Loonsta]

It's my business and anyone else who owns and insures a cars business. Why? Because it's people like me who pick up the bill when twats like that hit someone (one day it might be one of you, see how your tune changes when some tool who is fronting runs into you) or do you not understand your premium is effected by this type of thing? Same as everyone feeling the need to claim whiplash despite not having it. Next year come renewal when you're moaning how costly insurance is or how much it's gone up you might want to think about it...

I didn't realise this was a Max Power type forum full of insurance fraud condoning chavs?

 

[Daniel_Ek9]

I think alot people are a bit guilty of fraud as I cant see everyone declaring evry single modification on their car.. From a full exhaust to only up-rated leads or a set of alloys or lowering springs. Everything has to be declared for the insurance to be perfect.

 

[Loonsta]

There's a slight difference between neglecting to mention an induction kit and fitting a larger far more powerful engine. It will not only have a massive effect on the performance but also render the stock brakes fitted for the original less powerful engine inadequate. Either way every single mod on all of my cars has been declared even when I was a new driver and suffering the £2000 + premiums you do as a young lad.

 

[Barryl85]

It's my business and anyone else who owns and insures a cars business. Why? Because it's people like me who pick up the bill when twats like that hit someone (one day it might be one of you, see how your tune changes when some tool who is fronting runs into you) or do you not understand your premium is effected by this type of thing? Same as everyone feeling the need to claim whiplash despite not having it. Next year come renewal when you're moaning how costly insurance is or how much it's gone up you might want to think about it...

I didn't realise this was a Max Power type forum full of insurance fraud condoning chavs?

Ok Saint Loonsta, bet you have never exceeded the speed limit before either ha ha ha ha

Did you not read - i claimed my insurance just fine despite having a different engine, are you blind??

Obviously you are the chav, feeling the need to call others chav's just to feel comfortable with your own self. Dont worry we wont tell anyone about it it will be our MAXPOWER.org - i mean EK9.org secret. Now go clean your burberry hat and your nike air max trainers, get yourself down to halfords for your ripspeed fix.

 

[Barryl85]

There's a slight difference between neglecting to mention an induction kit and fitting a larger far more powerful engine. It will not only have a massive effect on the performance but also render the stock brakes fitted for the original less powerful engine inadequate. Either way every single mod on all of my cars has been declared even when I was a new driver and suffering the £2000 + premiums you do as a young lad.

On the whole you have just failed your entire argument with your first sentence there - fraud is fraud no matter how you look at it induction kit or full engine transplant - cant be rules for one thing and not another.

I had a B18 installed rather than my B16 it produced a whopping 37BHP more and around 22ft lbs more torque.

Bear in mind that a 96 spec Integra has the same brakes as my VTi had i cant see how they would be inadequate, but by chance i swapped over the full running gear from an ITR and had the larger UKDM ITR breaks front and rear.

I would love to have declared my mods for peace of mind (which i would do in the future as i'm older and wiser and i also intended to at the time once i had some money in the bank) but lets face it i was young and my premium was already through the roof because of many generations of people before me smashing up cars.

Its an endless argument - you blame people with mods undeclared for insurance premiums being high, i blame other generations of people before me, but in all honesty its the insurers who are to blame for unfair policy charges which cause people to commit fraudulant crime because they cannot afford insurance which is probably more expensive than the cars they own.

 

[dhdavectr]

Also pisses me off when people do these conversions and don't notify the dvla. Their car also should go up another road tax band.
No one is a saint when it comes to notifying insurance, a mate of mine got caught out by the police lately. Lowered civic induction kit and back box. Tried to bluff the copper who actually knew what he was talking about. Got himself some points for having void insurance and a fine. Guess how much declaring the mods would have put his premium up. £50, £150? actually cost him nothing to declare mods.
Because of his ignorance he's paying bigger premiums as he's got points.

I wouldn't grass someone up for driving an unisured car I'd just let the cops catch them out which will happen eventually. Don't know why coppers don't look on the odd forum for people who openly admit they're driving cars with engine conversions not declared

 

[Loonsta]

Ok Saint Loonsta, bet you have never exceeded the speed limit before either ha ha ha ha

Did you not read - i claimed my insurance just fine despite having a different engine, are you blind??

Obviously you are the chav, feeling the need to call others chav's just to feel comfortable with your own self. Dont worry we wont tell anyone about it it will be our MAXPOWER.org - i mean EK9.org secret. Now go clean your burberry hat and your nike air max trainers, get yourself down to halfords for your ripspeed fix.

Is this thread about the speed limit? No it's about insurance fronting. If you want to start one about speeding then crack on.

I'm not blind no, just because you got away with it doesn't make it any more legal nor does it mean that people don't/won't get caught.

I'm not even going to dignify the last part as you have no clue what you're wittering on about.

 

[Loonsta]

On the whole you have just failed your entire argument with your first sentence there - fraud is fraud no matter how you look at it induction kit or full engine transplant - cant be rules for one thing and not another.

I would love to have declared my mods for peace of mind (which i would do in the future as i'm older and wiser and i also intended to at the time once i had some money in the bank) but lets face it i was young and my premium was already through the roof because of many generations of people before me smashing up cars.

Its an endless argument - you blame people with mods undeclared for insurance premiums being high, i blame other generations of people before me, but in all honesty its the insurers who are to blame for unfair policy charges which cause people to commit fraudulant crime because they cannot afford insurance which is probably more expensive than the cars they own.

I agree, which is why I pointed out that every single car and every single mod I've done has been insured correctly down to the last nut and bolt through my whole driving career. I was simply pointing out the lad being described by the OP is not letting a cheeky omission go but a major modification. Induction kits for the most part make more impact on noise than any tangible performance increase however they still need to be declared, an engine conversion does make a massive difference so it's even more important that it is declared.

My premium sucked, my first car was a GT Turbo, I sucked it up and paid it insuring it in my own name and any mods as and when I did them. If you can't afford something don't buy it. Perhaps you'd have been better off getting some no claims behind you in a 1.2 legitimately insured and then buying something faster and more fun when you could actually afford it. Using your financial inadequancies to condone it is a pitiful excuse.

At the start of my driving career many people had a 10 year old Nova or Metro as a first car with pitiful 1.0 engines in them. Usually handed down by parents or bought for a few hundred quid. Premiums are now going up because the cars both new and older drivers own cost a lot more to repair and frequently result in a total loss claim as opposed to a cheap repair as on an older more basic vehicle. I'll agree there is an element of profiteering going on by insurers but there's no denying costs have spiralled, add personal injury claims (again mostly fraudulent) and there's no surprise insurance costs so much now.

 

[michael ek9]

Sounds like your hating on this guy cause he's rockin a b18 and your not.

It ain't cool what he's doin but he's doin it.insurance is always on the up.If you think reportin him bla bla will make you a hero and stop your insurance goin up,well.. there's a whole load of other people doin it so what difference will being a snitch make?

Deal with it.

 

[Loonsta]

I wouldn't grass someone up for driving an unisured car I'd just let the cops catch them out which will happen eventually. Don't know why coppers don't look on the odd forum for people who openly admit they're driving cars with engine conversions not declared

They are getting wise to it and have started. Insurers are also on the look out for the same. Insurance companies offering deals on forums to owners club members will also poke about for anything dubious while they're on them...

 

[Barryl85]

Also pisses me off when people do these conversions and don't notify the dvla. Their car also should go up another road tax band.
No one is a saint when it comes to notifying insurance, a mate of mine got caught out by the police lately. Lowered civic induction kit and back box. Tried to bluff the copper who actually knew what he was talking about. Got himself some points for having void insurance and a fine. Guess how much declaring the mods would have put his premium up. £50, £150? actually cost him nothing to declare mods.
Because of his ignorance he's paying bigger premiums as he's got points.

I wouldn't grass someone up for driving an unisured car I'd just let the cops catch them out which will happen eventually. Don't know why coppers don't look on the odd forum for people who openly admit they're driving cars with engine conversions not declared

Why should the car go up another road tax band? it wont do for 200cc on the old rules - not the new C02 rules

And the coppers do but they cant read through every forum on the net and also I dont own the car anymore, I never admitted to it when i had the car i'm not that stupid.

Is this thread about the speed limit? No it's about insurance fronting. If you want to start one about speeding then crack on.

I'm not blind no, just because you got away with it doesn't make it any more legal nor does it mean that people don't/won't get caught.

Your contradicting yourself there - i asked about speeding cause it too is against the law, you cant break the law for one thing and point the finger at people for the other.

I never said people wouldnt get caught but its up to themselves to be responsible and be prepared to accept the consequenses should they be caught (exactly the same as speeding).

I'm not even going to dignify the last part as you have no clue what you're wittering on about.

I have no clue what i'm 'wittering on about' but it was you who chose to start insulting people you do not know and call them chavs and calling this a MAX POWER forum.....

Do me a favour and dont drop insults if you cant take it in return.






To actually sum up my opinions on this subject I also believe that mods should be declared, I also would do in the future as i would want my car to be protected as well as others but the sad part is insurers want to ride you when it comes to anything on your policy.

I'm not ashamed to admit what i done in the past was wrong / fraudulent but i'm also not ashamed of doing what i done or i wouldnt be telling you guys about it.

I also believe that its no ones business but my own and grassing people up about it is pathetic and could and would get you into bother for havin a big mouth.

 

[689R]

Man some people on this forum need slapped back into reality. Nothin worse than a grass.

If you dont declare your mods who cares? its up to the person. what you rather I did, not declare my mods or come round your house and stab your dad with a 4" lockback?

Get a ****ing grip.

And also to the original poster, what a ****ing pointless topic again, see if your that jelous of the boys car why dont you just cry into your pillow rather than spilling your rubbish here.

 

[_JT]

I can understand where people come from, saying you shouldn't mind others bussiness. BUT if insurance is that strict in the UK...imagine the following. You get hit by a car with undeclared mods. You get handicapped for life and you have high costs to keep living normally because of your handicap that you got from being hit.

Normally, the insurance of the driver would pay that. But now, his car appears to have been uninsured at that moment because of the undeclared engine swap! The driver has to pay all the costs himself. But he doesn't have the money to do that. Who leaves that to pay for the costs? Exactly....

And also to the original poster, what a ****ing pointless topic again, see if your that jelous of the boys car why dont you just cry into your pillow rather than spilling your rubbish here.

Come one mate....everyone can have his own opinion. But I would appreciate it if you don't start insulting people. It's not like he insulted you in any way.