New car
27 November 2006, 05:15 PM
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New car
brought this JDM car a few weeks back, got a few things in mind to change and add to it, any opinions welcome. also im 18 =-D insurance likes me alot lmao 
my old car was a 1.1 106 :P. its had a rolling road at 282.4bph and about 260 torque
my old car was a 1.1 106 :P. its had a rolling road at 282.4bph and about 260 torque
Last edited by KandyRed; 28 November 2006 at 09:00 AM.
28 November 2006, 08:41 AM
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Originally Posted by Ibiza_Cupra
nice car mate, how much you paying on insurance ?
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28 November 2006, 08:45 AM
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Originally Posted by Boro
Nice car, very lucky at that age to have it, keep it on the tarmac 
What plans have you got for it?
What plans have you got for it?
28 November 2006, 08:46 AM
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Originally Posted by Ibiza_Cupra
how you got that so cheap ? thats what i pay !! you on your on your own insurance ? who is it with ?
28 November 2006, 08:54 AM
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Originally Posted by KandyRed
i went on my mums insurance, full no claims protected, its with ensleigh insurance. i was so supprised lmao
If you are the owner and main driver, then you are NOT insured.
28 November 2006, 08:59 AM
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Originally Posted by chrispurvis100
Naughty naughty.
If you are the owner and main driver, then you are NOT insured.
If you are the owner and main driver, then you are NOT insured.
28 November 2006, 01:07 PM
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Nice car mate, what part of Derbyshire you from? Plenty of local meets and stuff going on, have a look on Midland Scoobies - For The Midlands Subaru Community buddy 
28 November 2006, 05:06 PM
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cheers for the replys lads =-D ill check out that website Daft Lad thanks dude. and i come from a place called loscoe, its next to ripley 
, any of u know wher it is lol
, any of u know wher it is lol
28 November 2006, 05:24 PM
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Originally Posted by KandyRed
i went on my mums insurance, full no claims protected, its with ensleigh insurance. i was so supprised lmao
Endsleigh don't underwrite their own deals. I'm with them at the moment. I'd be interested to see if the NCB are protected if you were quoted online
28 November 2006, 07:40 PM
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Originally Posted by KandyRed
cheers for the replys lads =-D ill check out that website Daft Lad thanks dude. and i come from a place called loscoe, its next to ripley , any of u know wher it is lol
, any of u know wher it is lol
28 November 2006, 07:50 PM
#21
Originally Posted by KandyRed
cheers for the replys lads =-D ill check out that website Daft Lad thanks dude. and i come from a place called loscoe, its next to ripley , any of u know wher it is lol
, any of u know wher it is lol wheres the pic? its not orange is it?
28 November 2006, 08:35 PM
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Originally Posted by shaggy1973
it wasnt working,it is now though. think its called burnt orange isnt it? looks great!
28 November 2006, 08:36 PM
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Originally Posted by Tilly
Well thats bull****... my mum has full protected no claims, no points or accidents. I'm a year older than you and live in a really good area postcode and they wont insure at anywhere near that. In fact... they can't even quote Endsleigh don't underwrite their own deals. I'm with them at the moment. I'd be interested to see if the NCB are protected if you were quoted online
Endsleigh don't underwrite their own deals. I'm with them at the moment. I'd be interested to see if the NCB are protected if you were quoted online
29 November 2006, 08:38 AM
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well I'd read the T's and C's carefully because although you used protected no claims to get the quote, they probably aren't protected on the policy because not only are you 18, but the car is jap spec, modified and an impreza...
29 November 2006, 02:00 PM
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The colour of the car is
Suzuki Kandy red with a 10% Orange Pearl over a bright silver basecoat.
How do i know?
Cos it was mine lol.
Shouldnt need a service dude, scoobyclinic did one in august and it aint been very far since then,
Maddsy
Suzuki Kandy red with a 10% Orange Pearl over a bright silver basecoat.
How do i know?
Cos it was mine lol.
Shouldnt need a service dude, scoobyclinic did one in august and it aint been very far since then,
Maddsy
29 November 2006, 04:00 PM
#28
Originally Posted by chrispurvis100
Naughty naughty.
If you are the owner and main driver, then you are NOT insured.
If you are the owner and main driver, then you are NOT insured.
Technically if your mum isnt the owner then she has "no insurable interest" in the vehicle. Essentially its no different to me trying to insure any random persons car for them.
Trust me on this as i'm a manager in an insurance company. I turn these type of policies down everyday when customers try it.
Its a gamble as you do have the cert with your name but i guarantee if you prang it your in for a rough ride and the financial services authority prob wont touch it if your claims repudiated as it would be for underwriting reasons.
Good LUCK!!! - Nice colour car though.
29 November 2006, 05:45 PM
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Originally Posted by chief-long-shin
Technically if your mum isnt the owner then she has "no insurable interest" in the vehicle. Essentially its no different to me trying to insure any random persons car for them.
Also about the main driver fact, there is no way to tell who is the main driver on an insurance policey, its fact.
Being an insurance manager yourself, how do you find out who is the main driver of the car? I would like to know that, as to my knowledge, there is no way to proove it - I could be wrong though!
I have looked into this very deeply, I am also a young driver, and am insured on my mothers insurance, with her no claims bonus. She has owned all the cars legally and officially, but I drive them sometimes, there is no way to know I am the main driver, or her!
As to the mods, that does void the insurance policy yes, but depending on surveyor/insurer, it might not affect it.
29 November 2006, 06:25 PM
#30
There would be an element of statistical analysis behind the decision as to who was the main user.
Take this car for example there is not many "MumS" that would use this as a daily run around. NOt to say that there will be none but looking at a policy for a scoob with son and mum on it - it would become more likely to be the sons main use.
Similarly if this was a 1.2 yaris etc then it would be more probable it would be the mothers car. If this proves inconclusive then the decision is made by the loss adjustors from the exploratory questions they use when visiting the ph.
There is so much that goes into the pot as well as i guess a gut feeling on the part of the loss adjustor when viewing the car. You are right though there is no definitive way to prove although its not unlikely they could speak to neighbours or any people in the aforementioned car to see who uses it most.
Just detective work that goes into it.
Hope this kinda answers it for you.
Take this car for example there is not many "MumS" that would use this as a daily run around. NOt to say that there will be none but looking at a policy for a scoob with son and mum on it - it would become more likely to be the sons main use.
Similarly if this was a 1.2 yaris etc then it would be more probable it would be the mothers car. If this proves inconclusive then the decision is made by the loss adjustors from the exploratory questions they use when visiting the ph.
There is so much that goes into the pot as well as i guess a gut feeling on the part of the loss adjustor when viewing the car. You are right though there is no definitive way to prove although its not unlikely they could speak to neighbours or any people in the aforementioned car to see who uses it most.
Just detective work that goes into it.
Hope this kinda answers it for you.