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-   -   Other insurers than LV? (https://www.scoobynet.com/insurance-19/865924-other-insurers-than-lv.html)

SRSport 05 January 2011 08:46 PM

and thanks for sparing the time to talk to me last night. I completely understand that you were snowed under in catch up work from Christmas so really appreciated it. I didnt go with Admiral in the end as they didnt phone back. Just as well as 4 hours later I found another quote for £250 less, all mods declared so really chuffed.

Moley 05 January 2011 09:10 PM

If it's one small mod you 'might' be ok, but would depend on the insurer.
Unfortunately it's down to the car owner to know exactly what they're insuring.

SRSport 05 January 2011 09:24 PM

Do most companies see changing tyre sizes as a mod? I asked a few people and they said that they wouldn't have even have given it a second thought, generally from standard 215s to 225s. Then someone says that they check speed ratings. To be honest thats not something Im look at when getting a tyre. More like what has the best reviews.

Moley 05 January 2011 09:38 PM

Most companies will be fine, but you'd always need to check.

SRSport 05 January 2011 09:44 PM

Thats good. I need to phone mine up to see if they will let me fit Sessantas to my WRX wheels. As they a declared mod in themselves Im hoping there wont be an issue. I noticed you have the Sessantas what do you think of them and what have you had before?

Moley 05 January 2011 09:56 PM

They are a brilliant tyre :thumb:

I used Toyo T1R's before, which were good aswell, but the Vredesteins are much better in the wet (IMO), and seem to wear better.

I fancy giving the Toyo R1R's a try soon when the dry weather arrives.

SRSport 05 January 2011 10:02 PM

How much can you get them for now Toyo R1R's?

The Sassentas certainly seem to be the default choice. Excellent comments by anyone who uses them and can be bought for around £80 a corner. If I am stuck with 215s I might look at the Ulrac centos but their tread patterns just makes me think they will be rubbish if it snows.

Moley 05 January 2011 10:10 PM

The R1R's are expensive at the moment, similar to R888's, so i'm hoping they come down a bit once the R888's are phased out (i heard road legal semi slicks are banned from Nov this year, but not 100% sure)

initialD 05 January 2011 10:13 PM


Originally Posted by Moley_WRX (Post 9802254)
Anything that isn't standard fitment needs to be declared.

''I didn't know what's fitted'' isn't an excuse.

You can imagine the conversation now..... ''sorry, i didn't realise the 2.35 engine, GT35 turbo, AP brakes and coilovers etc weren't standard''

Buying a car that you don't know what's been done to it isn't a great idea anyway.... ignoring the insurance issue.

isnt an excuse !!!!! how the hell are u supposed to find out wots been done ? the bloke i bought my car from didnt have a clue about cars ! didnt know wot mods it had , am i supposed to get a subaru specialist to strip my car from top to bottom and list every modification ? wot if it has forged internalls ? will a specialist strip my block to see ? no ! so why tell em ? its a loophole no denying it ! its a blatant fact

SRSport 05 January 2011 10:13 PM

Wouldnt that make them more expensive if they became the only semi slick options? Your car would be pretty impressive with them on.

Moley 05 January 2011 10:23 PM


Originally Posted by SRSport (Post 9802705)
Wouldnt that make them more expensive if they became the only semi slick options? Your car would be pretty impressive with them on.

The R888's will (i think) still be available for people wanting to do track days, and the T1R is still a better day-to-day tyre, so i was hope they make the R1R cheaper to make it more appealing..... although i agree it's unlikely.... so i can only hope.

I have a set of R888's to go on mine anyway, just have to make sure i kill them before November, which shouldn't be a problem ;):D

Moley 05 January 2011 10:26 PM


Originally Posted by initialD (Post 9802703)
isnt an excuse !!!!! how the hell are u supposed to find out wots been done ? the bloke i bought my car from didnt have a clue about cars ! didnt know wot mods it had , am i supposed to get a subaru specialist to strip my car from top to bottom and list every modification ? wot if it has forged internalls ? will a specialist strip my block to see ? no ! so why tell em ? its a loophole no denying it ! its a blatant fact

Common sense would be to check the car over to see what's on it.

I'm sure if the car had £5k spend on a forged engine the seller would tell you about it. ;)

SRSport 05 January 2011 11:06 PM


Originally Posted by Moley_WRX (Post 9802729)
I have a set of R888's to go on mine anyway, just have to make sure i kill them before November, which shouldn't be a problem ;):D

Im sure that wouldnt be a problem. Does your insurance company know of your intention? lol.

They are given very impressive ratings. The Sessantas arent to shabby but they comfortably out perform them in these reviews.
http://www.tyrereviews.co.uk/Tyre/Toyo/R1R.htm
http://www.tyrereviews.co.uk/Tyre/Vr...c-Sessanta.htm

Moley 05 January 2011 11:16 PM

If you're not going near a track the R1R's would probably be a waste, you'll struggle to beat the Vredestein's as all rounders

SRSport 05 January 2011 11:21 PM

Yeah, Im just praying I am allowed to fit 225s. Do you know what the Centros are like as a 2nd choice?

Moley 05 January 2011 11:36 PM


Originally Posted by SRSport (Post 9802910)
Yeah, Im just praying I am allowed to fit 225s. Do you know what the Centros are like as a 2nd choice?

I really can't see any insurer would have a problem, but just double check.

Not sure about the Centros to be honest, haven't heard anything about them

SRSport 05 January 2011 11:54 PM

Mine is very strange. Around £40 extra for alloys, upraded brakes, prodrive exhaust and GB270 skirt but an extra £560 for a prodrive sticker on the boot! Also no premium for less than £1500 regardless of whether you are a policemen, doctor or lorry driver (just had a play out of curiousity). However, £840 for teachers with full business related driving. They seem totally illogical so Im not holding my breath. Still Im not complaining.

Moley 06 January 2011 12:04 AM

Time to become a teacher ;)

SRSport 06 January 2011 12:09 AM

Well it was an answer to prayer. It was as though they were tailored for me...apart from the prodrive sticker. Still I will give them a call in a couple of weeks and see what they say as this was an inclusive quote. I cant believe if I phone up Im going to have some guy try and tell me I have to pay £560 for a sticker for crying out loud.

Moley 06 January 2011 12:26 AM

That's certainly an odd one!!!

initialD 06 January 2011 05:08 PM


Originally Posted by Moley_WRX (Post 9802736)
Common sense would be to check the car over to see what's on it.

I'm sure if the car had £5k spend on a forged engine the seller would tell you about it. ;)

u need a bit more than common sense to strip a block and search for forged internalls :freak3: how does common sense suddenly make u know every standard engine part ? and the seller would tell the next owner most probably if it was forged ? but 10 years and 5 owners later i think it would get lost in translation especially something like an old rusty strut brace or something ! if u are not clued up about cars how u gonna know thats a mod ?

Glowplug 06 January 2011 05:42 PM


Originally Posted by initialD (Post 9803902)
u need a bit more than common sense to strip a block and search for forged internalls :freak3:

Yep, just like the assessor would. You often see them upto their nuts in nuts ripping the lump apart don't you.:freak3:


Originally Posted by initialD (Post 9803902)
how does common sense suddenly make u know every standard engine part ?

Common sense mixed with a little interest in your vehicle would soon tell you what is standard! If you have niether, then imo you should not be running such a motor.


Originally Posted by initialD (Post 9803902)
but 10 years and 5 owners later i think it would get lost in translation especially something like an old rusty strut brace or something !


Originally Posted by initialD (Post 9803902)
if u are not clued up about cars how u gonna know thats a mod ?

If you are not au fait with your considered marque, then you are highly unlikely to be in the market for a modded version are you. Until of course you have researched and learned your marque. Hence then you would know the difference.


As Moley says, the onus is on the owner as no one else is going to tell them what you own.:wonder:

initialD 06 January 2011 07:29 PM


Originally Posted by b13bat (Post 9803970)
Yep, just like the assessor would. You often see them upto their nuts in nuts ripping the lump apart don't you.:freak3:



Common sense mixed with a little interest in your vehicle would soon tell you what is standard! If you have niether, then imo you should not be running such a motor.





If you are not au fait with your considered marque, then you are highly unlikely to be in the market for a modded version are you. Until of course you have researched and learned your marque. Hence then you would know the difference.


As Moley says, the onus is on the owner as no one else is going to tell them what you own.:wonder:

ok mate in english would of been nice !:freak3: i seriously aint gonna bother to reply to that :D cos basically i disagree with everything youve said :cuckoo: researched and learned ur marque !:lol1: hav a laugh mate seriously :lol1:

nessscoob 06 January 2011 08:07 PM


Originally Posted by initialD (Post 9804332)
ok mate in english would of been nice !:freak3: i seriously aint gonna bother to reply to that :D cos basically i disagree with everything youve said :cuckoo: researched and learned ur marque !:lol1: hav a laugh mate seriously :lol1:

Adj. 1. au fait - being up to particular standard or level especially in being up to date in knowledge; "kept abreast of the latest developments"; "constant revision keeps the book au courant"; "always au fait on the latest events"; "up on the news"
abreast, au courant, up on
informed - having much knowledge or education; "an informed public"; "informed opinion"; "the informed customer"

Marque

n
1. (Business / Marketing) (Engineering / Automotive Engineering) a brand of product, esp of a car
2. (Business / Marketing) (Engineering / Automotive Engineering) an emblem or nameplate used to identify a product, esp a car
3. See letter of marque
[from French, from marquer to mark1]

Glowplug 06 January 2011 08:28 PM


Originally Posted by initialD (Post 9804332)
ok mate in english would of been nice !:freak3:

Oh, i do apologize.

Au fait: Knowledgeable in a particular area.

Marque: A model or brand of a manufactured product, especially an automobile.

Hope that clears it up a little for you. Please excuse my vocabulary and use of unfamiliar terms.



Originally Posted by initialD (Post 9804332)
i seriously aint gonna bother to reply to that :D cos basically i disagree with everything youve said :cuckoo:

In which case, i can only presume that you are one of those that i refer to in my initial reply to you.


Originally Posted by initialD (Post 9804332)
researched and learned ur marque !:lol1:

Which is, imo the one most important thing to do before throwing your hard earned at anything, cars, phones, computers etc.


Originally Posted by initialD (Post 9804332)
hav a laugh mate seriously :lol1:

I think you will find that i am one of the first to have a laugh, but not where insurance is concerned.


And as a side, whilst we are on the subject English... you really should check you own spelling and grammar.;)

SRSport 06 January 2011 08:35 PM

Oh brother. The last few posts are one of the main reasons I have taken out legal cover in my insurance.

initialD 06 January 2011 09:52 PM


Originally Posted by nessscoob (Post 9804424)
Adj. 1. au fait - being up to particular standard or level especially in being up to date in knowledge; "kept abreast of the latest developments"; "constant revision keeps the book au courant"; "always au fait on the latest events"; "up on the news"
abreast, au courant, up on
informed - having much knowledge or education; "an informed public"; "informed opinion"; "the informed customer"

Marque

n
1. (Business / Marketing) (Engineering / Automotive Engineering) a brand of product, esp of a car
2. (Business / Marketing) (Engineering / Automotive Engineering) an emblem or nameplate used to identify a product, esp a car
3. See letter of marque
[from French, from marquer to mark1]

so .........................wot u trying to say ?:rolleyes:

nessscoob 06 January 2011 10:01 PM


Originally Posted by initialD (Post 9804741)
so .........................wot u trying to say ?:rolleyes:

What do you mean what am I trying to say? Just giving you some meanings to some of the wording that you were struggling with....isn't that obvious?

initialD 06 January 2011 10:17 PM

declare all mods = load of bollox ! the end :luxhello:

initialD 06 January 2011 10:31 PM

[quote=nessscoob;9804759]What do you mean what am I trying to say? Just giving you some meanings to some of the wording that you were struggling with....isn't that obvious?[/quote im just jokin m8 :thumb:
either ur takin the piss out of me :razz: or im simply miss reading and takin it the wrong way ! if its the latter then im deeply sorry and i appretiate it :thumb: i do actually know wot the words mean but thank you . just not sure they were needed really ?


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