jdevlin1985, need you wise advise bro

[tinytank]

ok, i found a new fiat punto sports active, 1.2 16V. but its been modifyed and the suspension has been lowerd, windows tinted, got those cool ass police lights on it, new alloys ect ect.. but anyways i tryed to get insured and it wouldnt insure me for all of that due to my age... what do u sugest i do ?

 

[jdevlin1985]

Unless its got a full cat exhaust system fitted, you need not to worry telling them about EVERY modification dude

 

[tinytank]

Unless its got a full cat exhaust system fitted, you need not to worry telling them about EVERY modification dude

really ? even if its been lowerd and shit ? its got new alloys on it.. and the tinted windows ?? if i crash, then wont this stand out against me and cancle my insurance ??

 

[jdevlin1985]

really ? even if its been lowerd and shit ? its got new alloys on it.. and the tinted windows ?? if i crash, then wont this stand out against me and cancle my insurance ??

If they're brand spanking new alloy wheels then mention, but don't go over the top. They just 'new' wheels, not 'brand spanking new with twinkle glints and decorations'. Lowering don't need to worry. Lights, don't worry.

Has it got a stereo system, ICE etc?

 

[tinytank]

If they're brand spanking new alloy wheels then mention, but don't go over the top. They just 'new' wheels, not 'brand spanking new with twinkle glints and decorations'. Lowering don't need to worry. Lights, don't worry.

Has it got a stereo system, ICE etc?

ermm, well it has a mazzive SUB, and expensive speakers

 

[jdevlin1985]

Basically the score is, by putting on alloys, trick body kits, nice interiors, big ICE systems you're making the car a 'target for thieves', right? We know that, and obviously so do the insurance companies. But the deal is with most insurers, is if you tell them about the 'very few' mods you have (take note mods are only really classed as extras that affect the performance of the car, i.e. exhaust systems, engine chargers etc), the general line will be 'thanks for telling us - we won't put the car 'up a group' (i.e. charge you more), but we also won't cover the extra cost of your alloy wheels/body kit/tasty seats in the event of any claim...' This is fare enough, in other words, if your car goes missing, you get paid out, based on a standard car, minus all the goodies. If YOU DO want all the extras covered, best bet will be try a specialist insurance company who will be alot more friendly and probably offer you a better deal in the long run.

 

[tinytank]

Basically the score is, by putting on alloys, trick body kits, nice interiors, big ICE systems you're making the car a 'target for thieves', right? We know that, and obviously so do the insurance companies. But the deal is with most insurers, is if you tell them about the 'very few' mods you have (take note mods are only really classed as extras that affect the performance of the car, i.e. exhaust systems, engine chargers etc), the general line will be 'thanks for telling us - we won't put the car 'up a group' (i.e. charge you more), but we also won't cover the extra cost of your alloy wheels/body kit/tasty seats in the event of any claim...' This is fare enough, in other words, if your car goes missing, you get paid out, based on a standard car, minus all the goodies. If YOU DO want all the extras covered, best bet will be try a specialist insurance company who will be alot more friendly and probably offer you a better deal in the long run.

ok ok , but what if... i crash into another car. and ive not told them about the above ^ things ive said.. what would happen then ?

 

[jdevlin1985]

ok ok , but what if... i crash into another car. and ive not told them about the above ^ things ive said.. what would happen then ?

You will be covered. I'm guessing its got a body kit, right? If you crash, you will just be covered as if it was your normal standard punto. Unless you wish to go all out and cover the lot. A standard full sports body kit these days are only a few hundred quid anyway. You'll just have to make sure NOT TO CRASH THE CAR, lol

 

[tinytank]

You will be covered. I'm guessing its got a body kit, right? If you crash, you will just be covered as if it was your normal standard punto. Unless you wish to go all out and cover the lot. A standard full sports body kit these days are only a few hundred quid anyway. You'll just have to make sure NOT TO CRASH THE CAR, lol

and no i dont think its got a body kit.. im gonna see it tomorrow at 11am

so ill post pics of it around 12midday.. be shure to check em out bro. want ur advise on that 2, one more thing man, u were talking about puting that new car u are wanting on ur mums insurance ?? does that mean the car is in your mums name, when it comes to the mots, the tax ?? does that mean in writing its ur mums car ?? because i may have to insure this in my dads .

 

[jdevlin1985]

and no i dont think its got a body kit.. im gonna see it tomorrow at 11am

so ill post pics of it around 12midday.. be shure to check em out bro. want ur advise on that 2, one more thing man, u were talking about puting that new car u are wanting on ur mums insurance ?? does that mean the car is in your mums name, when it comes to the mots, the tax ?? does that mean in writing its ur mums car ?? because i may have to insure this in my dads .

No no bor, she will be my guarantor. Basicaly someone else on the finance agreement. I'll be paying out the insure myself. You CAN put yourself down on your mums insurance though. Your mum will basically be the named driver of the car, i.e. the owner, and on the insurance policy. You will just be the additional driver.

I'll be here tomorrow lunch for these pics