turbod 316 ?

[yamaha1]

ok so what if i do put it all in the insurance ? then would it be a good car -im 17 mate ive driven cars had an e30 for a field car - stripped out ect was loud as fook and cold but what you gonna do

[Joshy]

The problem is you're more than likely not going to be able to find an insurance company that will insure you with all of those mods declared.

Most places hesitate to take on new drivers in 1.0 Fiestas without charging them through the arse, I'm willing to bet that no one is going to touch you on a modified BMW.

[chu346]

Do us a favor, buy a saxo!

[wiledw]

Do us a favor, buy a saxo!

or a corsa something crappy with a masssssssssssssssive exhaust and almost zero bhp.

[Cook318IS]

that no one is going to touch you on a modified BMW.

i'll second that. i'm 19 with a 318iS and iirc, there weren't alot of insurance companies that would touch me when i was tryin to insure it. Despite having a clean licence, a no claims bonus and an unmodified car!

[griff87]

All this stuff about not telling the insurance company you are modding the car is absolute bollocks. If/when you crash and injure someone else, they ARE going to check and any fool can notice the difference between a 1.6 standard and a turbo or engine swap. you guys need to wake up, insurance companies actually try and get out of paying out to your claim, its what they do!

[Joshy]

they ARE going to check and any fool can notice the difference between a 1.6 standard and a turbo or engine swap.

So an insurance adjuster is going to know off by heart the differences between a stock M40 and M30?

Not being funny, but the M30 in Jay1980s are doesn't exactly look out of place does it?

[Cook318IS]

all due respect mate but when ur 316 comes up as a 1.6 and then they open the bonnet and see clearly marked on the m30 that it says 3.0/3.5.... it doenst take a genius to work out that they aren't the same engine!

[maxfield]

The adjuster would be pretty clued up on cars. Or he wouldn't be in the job he's in...

And it wouldn't take him any longer than 5 seconds to work out that there's 6 cylinders there instead of 4.

Insurers will certainly do anything to get out of it!

[SCOTT325SE]

sorry, but IF anyone drives a car without insurance or even insurance which would be void for whatever reason (e.g modifying a car and not declaring it) is BLATANT STUPIDITY and lack of consideration. After all, what IF someone hits something. You're screwwd. Its immoral.

I now live by the following saying - "if i cant afford it, i cant have it"
This would obviously include running and insuring my car, not just buying it. (thats why my daily driver is 3rd party insurance, as the excess is £100 TP and £700 fully comp - i figure for the £600 difference in excess, plus the premium difference, can fix pretty much ANYTHING on an e30 that isnt a Cat A/B.
My Sport on the other hand, is insured to the hilt!

[march109]

You would have to be a numero uno, grade A, class 1, prime, knob cheese lover to even contemplate not telling your insurance about modifications.

And you would have to be an even bigger idiot to think a claims adjuster would not notice.

[griff87]

they ARE going to check and any fool can notice the difference between a 1.6 standard and a turbo or engine swap.

So an insurance adjuster is going to know off by heart the differences between a stock M40 and M30?

Not being funny, but the M30 in Jay1980s are doesn't exactly look out of place does it?

FOOL

[oldroydsr4]

^^^
finally some sence

[Joshy]

they ARE going to check and any fool can notice the difference between a 1.6 standard and a turbo or engine swap.

So an insurance adjuster is going to know off by heart the differences between a stock M40 and M30?

Not being funny, but the M30 in Jay1980s are doesn't exactly look out of place does it?

FOOL

Just trying to think outside the box, no need to get hostile over it .

Like I said, I've never had to deal with an adjuster so I don't know how things work..

[march109]

If you paid someone to cut your lawn and you came home and it wasn't done, yet you still pay for it you'd be an mug right?

Well insurance companies pay claims adjusters to get them out of having to pay you, they are paid to know what goes where and how, if they don't know they go out and do their research and try to spot people trying it on, wether its you or companies quoting for the work. If they wern't good at their jobs they would soon be out on their ear like any job.

[march109]

Should also mention that with the new fangled computerized MOT's I wouldn't be surprised if when Mr MOT man notices you get a shirty letter from the DVLA stating they have informed your insurance company and the police!

[griff87]

So an insurance adjuster is going to know off by heart the differences between a stock M40 and M30?

Not being funny, but the M30 in Jay1980s are doesn't exactly look out of place does it?

FOOL

Just trying to think outside the box, no need to get hostile over it .

Like I said, I've never had to deal with an adjuster so I don't know how things work..

No it doesnt look out of place, your right

[yamaha1]

i didnt say once that i wasnt going to insure it or lie - i get 1 years no claims cos i had a shoddy moped (and yes i have checked it) just trying to work out what would be the bes tcar to get and what to do to it to get it nice thats all.

[maxfield]

I'm fairly certain, you cannot transfer no claims from a bike to a car!

[Joshy]

If you paid someone to cut your lawn and you came home and it wasn't done, yet you still pay for it you'd be an mug right?

Well insurance companies pay claims adjusters to get them out of having to pay you, they are paid to know what goes where and how, if they don't know they go out and do their research and try to spot people trying it on, wether its you or companies quoting for the work. If they wern't good at their jobs they would soon be out on their ear like any job.

So, when the adjuster came to value my mother's car didn't give the car a proper look over (We weren't in, so he didn't have keys to the car or anything), was he just not doing his job properly, or did it have something to do with the other people admitting blame for the accident, or the fact that my mother is middle aged and drove a Renault Laguna which obviously wasn't modified?

FOOL

Just trying to think outside the box, no need to get hostile over it .

Like I said, I've never had to deal with an adjuster so I don't know how things work..

No it doesnt look out of place, your right

Actually as a bit of an E30 virgin, I wouldn't say they look too dissimilar.

yamaha1 - You can't carry over moped no claims last time I checked. Besides, with a NCB or without, still no body is going to touch you as soon as you mention it's modified.

Use tomorrow to call up insurance companies with your "mod list" and see how many people will even bother quoting you after you mention it's modified. Hell, you're going to find it hard enough to find someone who will insure you on a standard BMW.

[mr_dink]

Insurance will kill this off.

When I was 17 they wanted £900 third party to insure a 900cc Vauxhall Nova.

I have a friend who is 17 who is paying £1200 a year to insure a 1.4 Vauxhall Corsa.

I think you will find the majority of insurers will refuse to quote you on the car you are planning to build.

[griff87]

Well as march has stated these guys are paid to check this kinda thing, my cousin crashed her mini, first thing they did was to check the engine number, hell they will even measure the bore size if they have to.

The visable differences between the engines is mainly in size, number of cylinders, battery location in the pic and the whacking great 2.8/3.5 lettering on the intake manifold!

If it was a m30'd e30, youd have modified props, manifolds, brake servos, a new rad, electric fan, lots and lots of things would give this away if someone were to look.

Its tempting to dodge the insurance but if anything happens you are F**ked

[march109]

the other people admitting blame for the accident, or the fact that my mother is middle aged and drove a Renault Laguna with obviously wasn't modified?

Do I need to reply if you answer for me?

Now you stack your car into someone else swear blind it wasn't your fault despite two black lines of rubber and a stripped out interior and try it on for a grand more than the car is worth.

They are doing their jobs right when the target the usual 'types' and get the insurance company out of paying, since your mothers company wern't paying I doubt they were that worried TBH.

And what do you say to the DVLA when Mr MOT reports you?

[oakey]

Just wait a year for a fast car dude. You will more than likely smash it to bits or kill yourself/friends within a couple of months anyway.
Drive a standard 316i for a year and then modify it if you wish and save yourself alot of money and hassle.


BTW when I got the payout for my accident, my insurance assessor didnt notice the 60/40 H&R suspension, blue 2.7 engine block, 6 branch manifold, cone filter, carbon fibre bonnet, smoked indicators, stainless exhaust, race steering wheel etc etc. Maybe I was lucky

[oakey]

^Its all insured now though. Now I'm on a classic policy. I would never drive a modified car without notifying the insurance now though

[yamaha1]

ok i like the advice critisism ect and i will take it all into accout because there aint anythong better that experience-

so whats your views on standard with borbets and 60mm lower ?

you can swap insurance depending on who insured your ped the company that did mine has a sister car company

[secondtimelucky]

Yamaha1 is correct on this one, i got 2 years ncb on a moped and transfered them over, only been driving 2 years but 4 years ncb. like he said it depends on the insurance companies involved

[maggspower]

When we all pass our driving tests we all have aspirations of having the most powerful, fastest, lowest (or what ever turns you on) motor in town. Reality hits when you gotta start paying for it and your only 17!!

So unless you sell your ass, (I think Maxfield has some contacts ), or mummy and daddy come to the rescue, just stick with the wheels and the drop for now.

My first car was a Hillman Imp, it had a standard 875cc engine, thats 0.875 of a litre, and 42bhp. I had dreams of getting 100bhp out of it, which is quite possible, and going hunting for the xr2 boys to show them what for. It didn't happen because stacking shelves don't pay too good

What did happen was people would let me out at junctions, randomly wave and smile, may be they were laughing and talk to me about the car. It didnt seem to matter that it was slow because it was cool

If you get a 316 you will have chosen well, its a cool car for a 17 year old to have, loads better than the million french turds that litter the streets.

We all have to start somewhere, we would like it to be near the top but its not always possible, you need to walk before you can run, enjoy learning how your car works, doing maintainance and improving it as you go, then in a couple of years you could may be drop in a 2.5 to the same shell who knows

Good luck with it, dont try and dodge the insurance, you'll get what you want in the end.

cheers maggs

ps I've still got my Imp, when I finish my e30 i'm going to put a bike engine in it, its just a shame i havent seen any xr2's for a while

[yamaha1]

thanks for that maggs realy down to earth answer for me there and yeh i want one cos there cool and the fact there not a shoddy little 1.1 french hatchback

[murran]

think the only engine conversion you might get away with is the 320i to 325i. like mine in fact.

do you really think that an insurance assessor will strip the engine to measure the bore and stroke???
to them if it looks right at first glance then it is right.

[Tom-Tom]

If I was 17, and I had a 316i, the best thing to really do with it, would be to get it in as good a condition as possible. It might be standard, but you'd have something that you could be genuinely proud of.

We all have to live by the rules, even if they are shit at times, but that's life. You could learn a lot by looking after your first car, primarily how expensive it is to actually keep one on the road; fuel, road tax, insurance etc.

If you really want to modify something to go faster or to get more out of your car, invest in some advanced driver training. That's one mod that you can apply to any car you ever own, and it might even make your insurance cheaper.

Having a fast car doesn't make you a good driver; a good driver doesn't necessarily need a fast car.

I know how it sounds when people tell you to "wait until your older", but get a few more years under your belt, and you'll know more about cars, and you'll have a better degree of judgement, in general.

[yamaha1]

kk cheers well if i get one with a good bady and chassis and not to many miles i may swap engines within a year

[oldroydsr4]

As said previously the best plan is to find the mintiest 2door 316i you can find and there are some jems to be found.

Then when you can insure some think quicker buy a ratty 325i and transfer all your bits across.