HELP caught by police with my engine converted bmw!!!!!!!

[djscottfree]

i passed my test in october 09, i had my 325i insured on a provisional when i got it in april 09, cost me a 1000 a year. I have have one years no claims even though ive been on the road less than year as you still get the no claims bonus on a provisional im now paying 740 quid a year, im 34.

[johnmaccow]

My e36 is a 316 white saloon with white m3 rims,stupidly low,leather, stainless exhaust,328 arb,328 brakes and few other bits all declared and is actually cheaper than if it were standard.£600 a year for me with no NCB and 3 points, 6k mile a year as work away and only use car on weekends. I asked what sort of increase it would be to convert to 328 running gear....£50 a year extra . Im thru adrian flux but had some good quotes thru allen and allen also. Worth shopping about mate.

[Ilkorin]

Since we're all talking about insurance, what if your insurer's categories for modifications don't really cover what you have. For example, I recently called to add a strut brace to my neverending list of modifications and they basically had no clue what it was. Once I gave a brief description of its purpose, it was filed under the 'suspension' box, which I already have ticked due to springs and dampers, and no extra charge was added. In this case, an assessor could look and say I haven't declared all of my mods and void my insurance, even though I specifically made sure it was listed.

Can't wait to move to a modified specialist once this year's insurance runs out...

[Felix79]

As someone who works in one of the UK's most hated industries, I'm probably playing with fire by even posting on this thread but I just want to say, the days of difficulty of insuring a modified car is a thing of the past.
There are a lot of specialists out there who cater for modified cars, engine swapped cars, imports etc this really should not be an issue. If you cannot afford the insurance on a modified car then you should not be driving it. If you cannot afford the insurance becuase of your age on a high performance or modified car, you shouldn't be driving it. High insurance prices for young/new drivers is not a new thing, back in 1998 when I was 17, my insurance cost £1300TPFT on a MG Metro which was worth under £500.

Strictly speaking every change to the vehicle from when it left the factory should be declared to the insurer, if you are unsure if your car is modified, I'm afraid it is down to you to get it checked out, pleading ignorance if you have a claim may not work.

Please bare in mind that I work for an insurance company, I am not a representative of the insurance company as a whole

Ollie
Sky Insurance

Ollie I think your pretty safe with most of us and you support the zone and have been giving members compeative policies.

I had to renew my insurance today and I had nothing but trouble all day long. Trying to get non BMW fans to get their heads around that fact the car is a 323i on the book but is an Alpina and that they have missed out the 2.5 but have the 2.3 and 2.7's was painfull. I was getting some trying to insure it as a fully moddified car. In the end I was given a qoute of £260 , I said no and did it on their website and got the same policy for £161!!

[snakebrain]

having said that premiums across the board are higher than they should be (im sure a multitude of reasons for this)

I suspect that's because insurance companies invest their cash holdings in bonds and the safe end of the equity markets. Unfortunately, even defensive stocks like, ahem, BP haven't done so well lately so they have to recoup their losses from us. Hardly fair, but such is life.

If my theory's correct, we'll all be paying 20 grand to insure anything in a few years time..

[Dezzy]

Since we're all talking about insurance, what if your insurer's categories for modifications don't really cover what you have. For example, I recently called to add a strut brace to my neverending list of modifications and they basically had no clue what it was. Once I gave a brief description of its purpose, it was filed under the 'suspension' box, which I already have ticked due to springs and dampers, and no extra charge was added. In this case, an assessor could look and say I haven't declared all of my mods and void my insurance, even though I specifically made sure it was listed.

Can't wait to move to a modified specialist once this year's insurance runs out...

Insurance is a verbual contract. By phoning and telling then your now ok. If anything happens your call will have been recorded you will be golden.

[TouringTash]

^^^^ thats when they can't find the tape and you are left in the poo poo.

how convenient.

GET IT ALL IN WRITING.

[Dezzy]

Actually I agree totally with that. They always have the tape when it's in there favour!

[TouringTash]

its sad how cynical we have become, although the cars were carp I think I preferred it in the 70's.

My dads mk2 cortina 1660 E (yes was worked), 3L crapi (brown), mk2 rs escort and a rear engined little box thing like a sewing machine ohh the shame.

[LagunaE30]

Z3L WROTE:
Sorry MrLee, but with all due respect, I'd rather pay thousands in insurance here and drive around the UK than drive around Bahrain, Saudi, Qatar, Emirates or even the Oman, on those dreadful roads with those dreadful drivers, all with their faith in Allah.

WHAT EXACTLY ARE YOU TRYING TO IMPLY BY YOU LAST SENTENCE? '' all with their faith in Allah.''


I DIDN'T QUITE UNDERSTAND IT, AND I'M SURE IF READ AND UNDERSTOOD IN THE WRONG CONTEXT COULD OFFEND A MUSLIM LIKE MYSELF.

I'M NOT HAVING A RANT AT YOU AT ALL HERE MATE JUST TRYNA FIGURE OUT WHAT YOU MEANT???[quote][/quote]

[snakebrain]

People who believe in life after death might be a bit more willing to risk dying than people who don't?

[bmw9818]

to get insured as a young driver, there is no way you can possibly do it in your own name without having to pay thousands, i had a incident before in my old car it wasnt my fault however i had alloys e.t.c on it, cause they came with the car which was free and it had good tread all around!

anyway they wont check if its insured third party fire theft, when the other ins comp deals with it they wont look at your policy anyway its completely seperate if its not your fault, if it is your fault your insured third party anyway so they most likely wont bother asking you about your car

but anyway there is no way they can prove that your the main driver if it is owned by the parent, just dont be gay and stick a bodykit and lexus lights and shit on it, get a set of rims a sub and your good for a little while , my old car was used by everyone in my family with three people insured on it !!

[Joshy]

Sorry, but I do find some of the replies in this thread a little bit funny, especially the ones advocating declaring all modifications because it may affect payouts in the event of an accident.!

I'm be incredibility surprised in an insurance company offered anyway near the going rate for an E30 with modifications even with them declared. Get real, these are 16+ year old cars at the very least, they'll be offering you peanuts regardless of the money that you've got tied up in modifications.

Insurance is nothing short of retarded for young people. If you price people out of a market people will find loopholes and back alleys, it is as simple as that. I do not understand why people seem so surprised by this?

There isn't much more depressing that telling people around my age that my insurance is £2XXX and them replying something along the lines of "That's a good deal". No, it fucking isn't. That's a monumental amount of money that I personally can no longer justify and is the only reason why my car is up for sale. I know someone who pays £2700 for a 1.6 automatic Focus. Tell me how the hell that is justifiable?

And do you know what the saddest thing is? I pay money for insurance, but I'd only claim on it as an absolute last resort. If I wake up tomorrow and my car has gone missing, I sure as hell won't be claiming. If some wanker ploughs into the back of me tomorrow I'll be pushing like hell to get him to settle it out of insurance (even if It left me out of pocket) and likewise if I hit someone else I'd be pleading with them to settle privately. Why? Because given the value of my car and how much they'd jack up my premiums claiming does not make financial sense.

Also love the "Well, if you can't afford the insurance, you can't afford the car" comments. Serious question - If the government ramped the price of car tax to eye watering levels, say £1000+, would you still be of the same mindset?

Seriously. You can afford the petrol, the parts prices, the tyres, all that Jazz but you had to pay a ridiculous amount of money for an arguably arbitrary "legal requirement" would you still keep your car? Honest answers please.

I dare say this is just about as a victimless crime and you're going to get. Some old farts will moan about kids like the OP are the reason his premium has gone up a WHOLE £60 this year (poor sod ), but get real. The premium was going up regardless.

[TouringTash]

well put in the most part Joshy, but victimless crime as he hasn't plowed into something/one else?
Yes the insurance racket, and that is all it is, is only yet another way for our elected leaders to*******************(by me and not a mod before anyone goes crazy ) during or after public service.

If someone steals from a bank is that..... oh hang on using a bank as an example isn't a good choice as we would all cheer
so lets use your local cornershop.
So some scroat lifts a few items a week, who pays for it?
The owner who works more hours than a lot of us are out of bed?
His insurance (yeah right cover for shoplifting, we should all worship them for even offering us car cover)?
Or does he just put some of his items up a penny here and there?

Ergo the victims are the rest of us who cough up.

What about the uninsured compensation scheme? if that is its correct title.
From every policy, part is deducted to go into a 'pot' to cover uninsured drivers.

But isn't everyone eventually insured with Lloyds?
Insurance is no different for the companies than a Bookie at the dogs, just spreading the risk?


some of the above maybe the paranoid rantings within the cavity described as a brain.

or just food for thought.

All it would take is a sophisticated software program that could accept the variables involved with a modified car and produce a result ie a set of numbers and a reference number. All we would then do is pass the information via email to Lloyds direct they would sell US the policy cutting out the middlemen.
In this day and age of computerisation and the sums involved its a viable option.
Alas all the templehills *, sailor comps *, straightlines * of this world pull a lot of money and without money as we all know the lump or rock we are clinging to would stop turning.

* names changed to protect the innocent

[TouringTash]

well put in the most part Joshy, but victimless crime as he hasn't plowed into something/one else?
Yes the insurance racket, and that is all it is, is only yet another way for our elected leaders to*******************(by me and not a mod before anyone goes crazy ) during or after public service.

If someone steals from a bank is that..... oh hang on using a bank as an example isn't a good choice as we would all cheer
so lets use your local cornershop.
So some scroat lifts a few items a week, who pays for it?
The owner who works more hours than a lot of us are out of bed?
His insurance (yeah right cover for shoplifting, we should all worship them for even offering us car cover)?
Or does he just put some of his items up a penny here and there?

Ergo the victims are the rest of us who cough up.

What about the uninsured compensation scheme? if that is its correct title.
From every policy, part is deducted to go into a 'pot' to cover uninsured drivers.

But isn't everyone eventually insured with Lloyds?
Insurance is no different for the companies than a Bookie at the dogs, just spreading the risk?


some of the above maybe the paranoid rantings within the cavity described as a brain.

or just food for thought.

All it would take is a sophisticated software program that could accept the variables involved with a modified car and produce a result ie a set of numbers and a reference number. All we would then do is pass the information via email to Lloyds direct they would sell US the policy cutting out the middlemen.
In this day and age of computerisation and the sums involved its a viable option.
Alas all the templehills *, sailor comps *, straightlines * of this world pull a lot of money and without money as we all know the lump or rock we are clinging to would stop turning.

* names changed to protect the innocent

btw I'm 38 passed test 20 years ago, drive a 318 touring, no points, no crashes fault or none fault in over 10 years, live in a sleepy village where most mornings I find a window that I didn't put up. so how much do you think it costs me?

wrong, try 850 plus change. all because I spent a few years in the states and lost all my NCB.
thats the way it goes, but come renewal with my perverse hobby I'll get a traders policy.

[town325i]

Z3L WROTE:
Sorry MrLee, but with all due respect, I'd rather pay thousands in insurance here and drive around the UK than drive around Bahrain, Saudi, Qatar, Emirates or even the Oman, on those dreadful roads with those dreadful drivers, all with their faith in Allah.

WHAT EXACTLY ARE YOU TRYING TO IMPLY BY YOU LAST SENTENCE? '' all with their faith in Allah.''


I DIDN'T QUITE UNDERSTAND IT, AND I'M SURE IF READ AND UNDERSTOOD IN THE WRONG CONTEXT COULD OFFEND A MUSLIM LIKE MYSELF.

I'M NOT HAVING A RANT AT YOU AT ALL HERE MATE JUST TRYNA FIGURE OUT WHAT YOU MEANT???

Bloody hell calm down but i will agree on the roads front they are shocking over there

[superkully]

As a reference I paid roughly £850 for TPFT for my (old school) Fiat Panda as my first car in 2000. I knew I couldn't afford to insure a bigger engined car, so I didn't buy one.

As many people on the thread have already said - get a smaller engined car and put this down as a lesson.

[snakebrain]

I DIDN'T QUITE UNDERSTAND IT, AND I'M SURE IF READ AND UNDERSTOOD IN THE WRONG CONTEXT COULD OFFEND A MUSLIM LIKE MYSELF.

And so what if you're offended? I don't like being told I'm a worthless sinner by certain elements of the Christian right, but they can still say what they like, as can I.

[LagunaE30]

erm didn't any of you read the part where i said i wasn't having a rant.


i am by no means a model muslm, so if someone was to turn round and call me a worthless sinner i'd probabaly agree.
snakebrain i'm not trying to start a big fuss here mate,this country believes in freedom of speech so there's nothing i or you could do about anything z3l has said.
why do you still keep giving your twopence on the subject when z3l hasn't witten a reply.

i don't mean to start a big fuss,so i'll think i'll leave it at that.

[E30BeemerLad]

sounds a sensible idea to me folks, let's keep this thread about insurance etc and not a battle of the faiths.

[snakebrain]

this country believes in freedom of speech

why do you still keep giving your twopence on the subject

Because I can. Are you suggesting I should keep my opinion to myself in case I offend someone somewhere??