Some people honestly don't deserve the cars they own


Loonsta said:
It's a problem but not one that will make me cry myself to sleep over. It's a piece of metal, it may be a possession I enjoy but the health and well being of me, my friends and family are what I consider important, a car is not. If you value a car over and above friends and family I'm glad I'm neither of those in relation to you.
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More of your ignorance....

What brought you to make that assumption - a car does not mean more to me than family of friends, a car is important to me as it is not just a piece of metal to me and many people on this forum and many would agree with me. Put it this way forums like this wouldnt exist and we would all drive the same car if your "its only a piece of metal" opinion was fact.

If you wouldnt lose sleep about someone actually vandalising your property that you have worked your ass off to pay for and spend countless hours of your life that you cannot have back slaving over it as its your pride and joy and hobby then you need to have a meeting with yourself buddy.

All you have done throughout this thread is try to make me look like an ass but in reality your immature and self opinionated posts have worked against you with posts like the above. Can you not have a discussion without having personal cracks at people you know nothing about? Do you have issues you wish to discuss with the group?


Loonsta said:
Young male drivers with modded cars are statistically the biggest insurance risk. All the gear and no idea, willy waving driving tactics to impress their passengers or racing other like minded prats on the the road are all contributing factors. Not all young drivers will cause an accident or a serious/fatal but a very high number do, hence why their insurance premiums are so high.

Ignorance and arrogance is something displayed by most young lads behind the wheel. When you're the other side of 30 you might have a different view to what you do now who knows.
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The above statistics bear no relation to non declaration of modifications.

What dont you understand about that?



[I left out the 1st part of your post as i'm fed up with you repeating what you have already said bringing nothing new to the discussion]
 
mld22 said:
I can't. I'm only 20, all these speciality companies will only insure over 25's. Also these companies, although often better than the larger companies, are not always cheaper.

I reckon i have phoned every single insurance company, when trying to insure my car. All think i am going to cost them an obsene amount of money.

I am a young guy and I am not an idiot and do not drive dangerously. I value my car too much to drive it in an stupid manner, and i resent being classed as one due to my age. But i can accept that there is a large amount of idiots my age.

Insurance costs are unacceptable in my opinion
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I once was in the same position as you, I had a GT Turbo and the cost to insure it in the first year was pretty much the same as what I had spent on buying the car itself. It will get easier as you get older and you get some NCB built up.

Just keep trying all the insurers you can find and playing them against each other. If they want your money they will try and beat the other quotes you're getting. If you've not got a cat 1 alarm fitted get one, if you can limit your mileage do so and adjust the policy accordingly. If you have access to a garage use it and declare that too. If you have a parent with a good long driving history and clean licence get them on your policy as a named driver if they use it occasionally. It's perfectly legal and it can bring your premium down.
 
Im going to summarise this thread:

Loonsta is a banger.
 
Barryl85 said:
What brought you to make that assumption - a car does not mean more to me than family of friends, a car is important to me as it is not just a piece of metal to me and many people on this forum and many would agree with me. Put it this way forums like this wouldnt exist and we would all drive the same car if your "its only a piece of metal" opinion was fact.

If you wouldnt lose sleep about someone actually vandalising your property that you have worked your ass off to pay for and spend countless hours of your life that you cannot have back slaving over it as its your pride and joy and hobby then you need to have a meeting with yourself buddy.
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It's something that can be replaced, therefore it's of little importance. An inconvenience perhaps but not worth getting upset over.

Barryl85 said:
The above statistics bear no relation to non declaration of modifications.

What dont you understand about that?
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It's an illustration of the demographic of driver and their overriding behaviour/attitude in relation to insurance fronting so it's very relevant to the discussion in hand.
 
Are you a scummy polis or work for an insurance company and take it far too seriously?
 
Loonsta said:
I once was in the same position as you, I had a GT Turbo and the cost to insure it in the first year was pretty much the same as what I had spent on buying the car itself. It will get easier as you get older and you get some NCB built up.

Just keep trying all the insurers you can find and playing them against each other. If they want your money they will try and beat the other quotes you're getting. If you've not got a cat 1 alarm fitted get one, if you can limit your mileage do so and adjust the policy accordingly. If you have access to a garage use it and declare that too. If you have a parent with a good long driving history and clean licence get them on your policy as a named driver if they use it occasionally. It's perfectly legal and it can bring your premium down.
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I have done all the things you suggest, and i have very good premium in comparison compared to others my age and with my car.

But the point of the argument is that the costs are absurdly high for everyone, Insurance companies should not be allowed to take advantage and make obsence profits. Its the the cause of people making fraudulent policies
 
I ahve my civic, other civics try to race me all the time, and i pic my races carefully as i know loads of civics now have some sort of B in it, i have a swap for my car but i dont wanna drop it in and get raped so instead im building up parts etc and then going to see what insurance is like, i probably wont be able to do it for another year or two...
 
Loonsta said:
It's something that can be replaced, therefore it's of little importance. An inconvenience perhaps but not worth getting upset over
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That is the most retarded thing ever.. I am sure if any member on here got there car vandalised and had to pay out there own hard earned money to fix it they would be up set. Everyone on this forum (except you) is here as there cars are there pride and joy and they enjoy and build their cars the way they want them and for someone to come and damage that it would surely be more than an Inconvenience
 
mld22 said:
Insurance companies should not be allowed to take advantage and make obsence profits. Its the the cause of people making fraudulent policies
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I understand your frustrations completely, however you should understand that insurance companies generally do not make profit on private vehicle insurance policies, chiefly because of the amount of fraud going on, not to mention the over eagerness to claim for every single bit of slight discomfort one may suffer as a result of a car park ding.

Don't hate the insurance companies, hate everyone else that claims.
 
jdm 3383 said:
That is the most retarded thing ever.. I am sure if any member on here got there car vandalised and had to pay out there own hard earned money to fix it they would be up set. Everyone on this forum (except you) is here as there cars are there pride and joy and they enjoy and build their cars the way they want them and for someone to come and damage that it would surely be more than an Inconvenience
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Totally agree with this we're all on here for the reason . Been reading this post all day and decided to have my input

We all love ours cars and like most I paying mad prices for my insurance but we do it cos we its our passion. I aint here to judge ive not told the insurance about mods but i have now on my current car.


689R :lol:
 
I have to agree with most people insurance is shite, i am 19, 1 years driving on my own with 1 years ncb, i have an advanced driving and alarm, insurance company dont know about my advanced driving and alarm cause they wont give me a discount so i will wait til next year.
i love my civic, i look after it, and yeah it might not be the best thing in the world but its mine and i work hard to pay for it etc, oh and i go to uni?
My mate has crashed his car loads, poor driving, his problem not mine but insurance companies are daft for example they ask you how much your car is worth, i could put down something like 20,000, they would accept it then if i ever crashed they would see what other cars my spec, year, model and mileage are worth and still pay me a bit less so i could get 800 instead? it's an absolute joke and something needs to be done about it!
 
689R hahahaha I loled, I honestly can believe how big this thread got 6 pages thats a record for me, credit where credit is due to barry and loonsta, even if you have alot of haters Loonsta

but I also hate paying "Loonsta" prices for insurence I made the mistake of insuring every nook and cranny now I'm paying just under 2k bad times....
 
i can see both sides of it,

yes you are breaking the law by not declairing mods, but what about when you spent cash on a bloody good alarm to lower the risk of theft, for them to turn around and say oh that wont make a difference to your premium,
then hi id like to declair my tints, oh well that will be 100 more on your premium **** OFF, or paying for a snap off boss kit that means theres no steering wheel in the car at night, car aint going far without it yet, they hike the price up for it, dont think so, not doing myself any favours by doing it other than throwing money at them for nothing, id rather burn the cash

i had a 1.4 ek and went through the hastle and i mean HASTLE of declairing the engine fully above board, was a ****ing nightmare, got it changed to 1800cc on the v5, and you can check this on any reg checkers, then i go to insure the car and not a single company would even quote me!, if i have the cash there and willing to pay then surely it cant be that bad, no accidents, no points and 2years no claims at the time, still no!, so it forced me to drive the car insured as a 1.4 with 1.8 tax on the window

i got stopped by the police many times and popped the bonnet, and asked what engine it was, i told them, its a 1.8 vtec, and they reply, oh i didnt realise they had engines as big as that, then i reply it doesnt, i put the engine in it, and he checked i had insurance, no other questions asked.

loonsta, you seem to be getting the wrong idea here, yes its illegal but theres far worse things police should be clamping down on than this. its not this reason premiums go up, its an easy excuse, its the arsehole drivers that fly about like idiots that cause it, and more so the companys themselfs being greedy cunts, as if millions a year profit isnt enough.....
 
type-r-mad said:
i can see both sides of it,

yes you are breaking the law by not declairing mods, but what about when you spent cash on a bloody good alarm to lower the risk of theft, for them to turn around and say oh that wont make a difference to your premium,
then hi id like to declair my tints, oh well that will be 100 more on your premium **** OFF, or paying for a snap off boss kit that means theres no steering wheel in the car at night, car aint going far without it yet, they hike the price up for it, dont think so, not doing myself any favours by doing it other than throwing money at them for nothing, id rather burn the cash

i had a 1.4 ek and went through the hastle and i mean HASTLE of declairing the engine fully above board, was a ****ing nightmare, got it changed to 1800cc on the v5, and you can check this on any reg checkers, then i go to insure the car and not a single company would even quote me!, if i have the cash there and willing to pay then surely it cant be that bad, no accidents, no points and 2years no claims at the time, still no!, so it forced me to drive the car insured as a 1.4 with 1.8 tax on the window

i got stopped by the police many times and popped the bonnet, and asked what engine it was, i told them, its a 1.8 vtec, and they reply, oh i didnt realise they had engines as big as that, then i reply it doesnt, i put the engine in it, and he checked i had insurance, no other questions asked.

loonsta, you seem to be getting the wrong idea here, yes its illegal but theres far worse things police should be clamping down on than this. its not this reason premiums go up, its an easy excuse, its the arsehole drivers that fly about like idiots that cause it, and more so the companys themselfs being greedy cunts, as if millions a year profit isnt enough.....
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Amen to that!
 
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