go on i need a good laugh.you do realise that you dont drive with with the handbrake on ?stoneyfordNI said:
u learn something every day
8 laps of a track down south , 4 new discs, pads, fluid required , n a pair of front tyres , dublin to belfast , late at night with fuct up stoppers , not good , car just fell apart , well its consumables did ,
as i said b4 on another thread , standard 288mm setup is pretty good 4 the road , 4 tracks u need something with a bit of longevity
8 laps of a track down south , 4 new discs, pads, fluid required , n a pair of front tyres , dublin to belfast , late at night with fuct up stoppers , not good , car just fell apart , well its consumables did ,
as i said b4 on another thread , standard 288mm setup is pretty good 4 the road , 4 tracks u need something with a bit of longevity
ferrari312
Guest
hi again,
well so far i havent really had a chance to boot the car because the roads have been pretty slippy up here ... with regards to the upgrades i think the brakes make most sense but i wont take the car on track so i'm not sure going to 312 would be cost effective ,
with the standard brakes can i do anything with them to improve slightly ? different pads ? totally agree that with the car at 150 stopping becomes more important.
however jim at STAR mentioned i needed to be careful with the clutch escpically in 1st because he said i will knacker ( my words
) it with the amount of torque the car is now putting through the clutch and 5 speed gearbox
i'll start saving now
well so far i havent really had a chance to boot the car because the roads have been pretty slippy up here ... with regards to the upgrades i think the brakes make most sense but i wont take the car on track so i'm not sure going to 312 would be cost effective ,
with the standard brakes can i do anything with them to improve slightly ? different pads ? totally agree that with the car at 150 stopping becomes more important.
however jim at STAR mentioned i needed to be careful with the clutch escpically in 1st because he said i will knacker ( my words
) it with the amount of torque the car is now putting through the clutch and 5 speed gearboxi'll start saving now
Jpmayock
Guest
May I ask where any of ye get insurance? I've got FR 150 and want a remap but for the live of me can I get insurance. 23 yrs male 5yrs no claims. Anyone got recommendations?
Also wrt remap. Any know of a dealer on south coast (soton to london) if any spring to mind that is.
many thanks,
JM
Also wrt remap. Any know of a dealer on south coast (soton to london) if any spring to mind that is.
many thanks,
JM
Triple D
Guest
Do you mean that you have a 150 fr leon and want to tell your insurance that your getting a remap or that you cannot get insured on the car as standard?Jpmayock said:
Jpmayock
Guest
spaniels fr said:
I would like to be fully covered with insurance; thus notifiying them of the remap. I used to be with bell direct and they allowed most mods but with a remap on the leon fr they won't insure.
I guess there has got to be some sports insurance companies out there but haven't had much success in finding one for cover.
Triple D
Guest
I would say in that case then, get revo with a sps3, keep the sps3 in the car and then in the case that you do have an accident you can switch it back to stock and no one is any the wiser.
I'm currently insured with Endsleigh, who charge me about £400 for a stock Ibiza FR TDI. It would be less, but I live in an insurance-unfriendly postcode.
My car is currently unmodified, but a remap is definitely on the horizon. Endsleigh are one of the few insurance companies whose website actually lets you declare modifications and it will still give you an online quote. If I choose "Engine tuned" from the list of mods, it quotes me about £180 extra. Does that seem reasonable - is that roughly the same price hike that other people have experienced?
I was thinking the other day about whether or not to declare the mod. My thinking was that you need to consider three things:
But the possible consequences of being caught are quite serious. Obviously the insurance company will wash their hands of any comprehensive cover you thought you had, so you can wave goodbye to the value of your car or the repairs - possibly several thousand pounds. But it's conceivable they might also refuse to cover your third party liability as well, leaving you personally liable for the damage to other people's cars and property. Worse still, if someone else was seriously injured you could find yourself being sued for medical expenses, loss of earnings, etc. We could easily be talking tens of thousands here.
And the consequences don't stop there. I doubt the insurance company would go to the expense of prosecuting you for the fraud, but you can bet they will record the fact that you failed to provide accurate information and they will certainly refuse to insure you in the future. And insurance companies share information like this, so you're likely to struggle finding anyone to insure you in the future - without charging you an enormous premium.
So on balance I've decided that I will cough up the money when the time comes. It's the right thing to do IMHO, though it won't stop me grumbling about it!
My car is currently unmodified, but a remap is definitely on the horizon. Endsleigh are one of the few insurance companies whose website actually lets you declare modifications and it will still give you an online quote. If I choose "Engine tuned" from the list of mods, it quotes me about £180 extra. Does that seem reasonable - is that roughly the same price hike that other people have experienced?
I was thinking the other day about whether or not to declare the mod. My thinking was that you need to consider three things:
- How much benefit do you get from not declaring it?
- What is the likelihood of being caught?
- What are the possible consequences of being caught?
But the possible consequences of being caught are quite serious. Obviously the insurance company will wash their hands of any comprehensive cover you thought you had, so you can wave goodbye to the value of your car or the repairs - possibly several thousand pounds. But it's conceivable they might also refuse to cover your third party liability as well, leaving you personally liable for the damage to other people's cars and property. Worse still, if someone else was seriously injured you could find yourself being sued for medical expenses, loss of earnings, etc. We could easily be talking tens of thousands here.
And the consequences don't stop there. I doubt the insurance company would go to the expense of prosecuting you for the fraud, but you can bet they will record the fact that you failed to provide accurate information and they will certainly refuse to insure you in the future. And insurance companies share information like this, so you're likely to struggle finding anyone to insure you in the future - without charging you an enormous premium.
So on balance I've decided that I will cough up the money when the time comes. It's the right thing to do IMHO, though it won't stop me grumbling about it!
Jpmayock
Guest
I agree 100%. I feel that peace of mind is worth a lot, certainly £180. Thing is Bell allow you declare mods also remaps, non stand body kits etc.
I pay £700 with direct line at the moment (this is the cheapest I can find!!).
When I asked bell about coming back and declared the mods (btw they have 2 classes +10BHP or +>25Bhp) mine being 2nd group resulted in them saying no can do.
I will look into endsleigh insurance. As soon as I've got cover, I think I will look into getting it mapped.
I pay £700 with direct line at the moment (this is the cheapest I can find!!).
When I asked bell about coming back and declared the mods (btw they have 2 classes +10BHP or +>25Bhp) mine being 2nd group resulted in them saying no can do.
I will look into endsleigh insurance. As soon as I've got cover, I think I will look into getting it mapped.
And that's your choice, of course. But I think you're conning yourself if you think it's completely invisible. Anything is possible if you throw enough money at the problem, and I actually think it's more likely the insurance company would do that in some circumstances. A dealer only stands to gain a few hundred quid (*) by wriggling out of a warranty claim, but if you've just caused a multi-car pile-up on the motorway with several cars destroyed and people seriously injured, the stakes are very much higher - tens, if not hundreds, of thousands. Paying a specialist a few hundred quid to investigate the ECU of a car starts to look very cost-effective for the insurance company in that scenario.Georgel said:
(*) Edit: Actually, of course a dealer has even less motivation than that: by wriggling out of a warranty claim, they don't get paid by SEAT.
Last edited:
Thats fair enough mate, but find me an incident when this has ever happened. Will an insurance assesser really come out and check your car over when its sat in a ditch and then demand its taken to the dealer for an ECU check rather than the nearest scrap yard. Being invisible to the eye you could always pleed ignorant? lol
Anyway each to their own, your an asset to the insurance industry. Just remember though, when you do crash it and they offer you 500 under bottom book for a high miler and yours is barely run in, you might not feel so pleased about the extra £200 you shelled out for a touch of extra pace and added fuel economy.
Anyway each to their own, your an asset to the insurance industry. Just remember though, when you do crash it and they offer you 500 under bottom book for a high miler and yours is barely run in, you might not feel so pleased about the extra £200 you shelled out for a touch of extra pace and added fuel economy.
Jpmayock
Guest
Well I found an insurer. Adrian Flux. Got cover for 225 bhp upgrade and full HID conversion which should take place this weekend.
Previsous: directline @ 720/yr
now: 1000/yr.
Not too bad given both mods.
I understand the comments above with regard to covering this on insurance but the highly-unprobable is still always a possibility.
But hey, as you said. each to their own.
Happy motoring. whether your fully covered or not.
Previsous: directline @ 720/yr
now: 1000/yr.
Not too bad given both mods.
I understand the comments above with regard to covering this on insurance but the highly-unprobable is still always a possibility.
But hey, as you said. each to their own.
Happy motoring. whether your fully covered or not.
Last edited by a moderator:
Interesting quote there.
Ive got tdi150, 23 years old, 1 years no claims = £790!
How does that work if you've got 5 years @ 720? Bloody right joke this insurance lark.
Ive got tdi150, 23 years old, 1 years no claims = £790!
How does that work if you've got 5 years @ 720? Bloody right joke this insurance lark.
Jpmayock
Guest
It sure as hell is. Someone hit my car on monday so in the process of sorting it out. btw a complete nightmare. Never knew it was so much hassle to sort a claim. I'm claiming on their insurance.
790? 1yr NCD how and who with?
I've got 3 points for a TS20 traffic conviction. Might make a difference. But still.
790? 1yr NCD how and who with?
I've got 3 points for a TS20 traffic conviction. Might make a difference. But still.
Similar threads
