Some people honestly don't deserve the cars they own

[Barryl85]

My premium sucked, my first car was a GT Turbo, I sucked it up and paid it insuring it in my own name and any mods as and when I did them. If you can't afford something don't buy it. Perhaps you'd have been better off getting some no claims behind you in a 1.2 legitimately insured and then buying something faster and more fun when you could actually afford it. Using your financial inadequancies to condone it is a pitiful excuse.

Thats where you are wrong

My car got paint strippered and tyres slashed, never found out who done it and prob never will, there were other cars done the same night as mine so looks like little bams or 'chavs' as youd call them.

The money i put into putting my car back on the road put me in negative numbers in my bank - so left me with no money to notify anyone of anything or properly take care of my car.

The only thing thats pitiful is you coming on this thread and throwing insults at people and calling people out on stuff that you know nothing about.

Sounds like your hating on this guy cause he's rockin a b18 and your not.

It ain't cool what he's doin but he's doin it.insurance is always on the up.If you think reportin him bla bla will make you a hero and stop your insurance goin up,well.. there's a whole load of other people doin it so what difference will being a snitch make?

Deal with it.

I lolled

They are getting wise to it and have started. Insurers are also on the look out for the same. Insurance companies offering deals on forums to owners club members will also poke about for anything dubious while they're on them...

Even if the insurance companies search the forums and see anything illegal they cant do anything about it - and they wouldnt refuse cash from anyone looking for a policy as you are signing your word is the truth when you take out a policy.

No one openly shouts about doing things illegal anyway (unless its bragging about how fast their car is / has went).

 

[dhdavectr]

My bad about the tax band. Just remember paying cheap for my lsi then next year paying a chunk more for my vti-s.
Yeah cops can't read every forum and the comment wasn't aimed at this forum in particular. I have seen plenty of ads on pistonheads with comments along the lines of
' conversion not declared, car us used daily so mileage will go up'.

No idea why this thread has turned into a slating match either.

 

[Loonsta]

Your contradicting yourself there - i asked about speeding cause it too is against the law, you cant break the law for one thing and point the finger at people for the other.


I also believe that its no ones business but my own and grassing people up about it is pathetic and could and would get you into bother for havin a big mouth.

I'm not contradicting myself at all. The thread is about insurance fronting, not speeding. Speeding has zero relevance to the topic being discussed. You've tried to drag it into the discussion as a poor attempt at bolstering your point when it bears no relevance to declaration of mods.

If you're not a part of the solution you're a part of the problem. Apathy has a lot to answer for with the problems in this country and simply ignoring someone doing wrong shows a lack of backbone.

 

[Loonsta]

My bad about the tax band. Just remember paying cheap for my lsi then next year paying a chunk more for my vti-s.
Yeah cops can't read every forum and the comment wasn't aimed at this forum in particular. I have seen plenty of ads on pistonheads with comments along the lines of
' conversion not declared, car us used daily so mileage will go up'.

No idea why this thread has turned into a slating match either.

OP's example of 1.4 to 1.8 will jump a tax band as the cut off was 1.5 IIRC the 1.6B series to 1.8 wouldn't have a tax implication.

 

[689R]

I'm not contradicting myself at all. The thread is about insurance fronting, not speeding. Speeding has zero relevance to the topic being discussed. You've tried to drag it into the discussion as a poor attempt at bolstering your point when it bears no relevance to declaration of mods.

If you're not a part of the solution you're a part of the problem. Apathy has a lot to answer for with the problems in this country and simply ignoring someone doing wrong shows a lack of backbone.

Nothing worse than being a grass. Are you so perfect you can judge other peoples actions without fear of your own being judged too?


People need to realise there is much more serious things happening in the world than people commiting driving offenses. If you are shocked/horryfied by a bit of speeding/insurance fraud, I hope nothing seriously bad ever happens to you/someone you know, where the police are nothin but a let down.

Iv declared mods on my car cos it only added 150 pounds or something, but I know pleenty of people that dont and it makes no difference to me.

 

[Loonsta]

Thats where you are wrong

My car got paint strippered and tyres slashed, never found out who done it and prob never will, there were other cars done the same night as mine so looks like little bams or 'chavs' as youd call them.

The money i put into putting my car back on the road put me in negative numbers in my bank - so left me with no money to notify anyone of anything or properly take care of my car.

The only thing thats pitiful is you coming on this thread and throwing insults at people and calling people out on stuff that you know nothing about.

Even if the insurance companies search the forums and see anything illegal they cant do anything about it - and they wouldnt refuse cash from anyone looking for a policy as you are signing your word is the truth when you take out a policy.

No one openly shouts about doing things illegal anyway (unless its bragging about how fast their car is / has went).

The vandalism is unfortunate, yes you were the victim however if you couldn't afford to insure it you should have either sold it or SORN'd it and started using it again when you were in a position to do so.

Insurers do communicate with each other and there is a (albeit slim) chance that you might have an unpleasant phonecall from your insurer asking to confirm the vehicles spec and that they've been tipped off that your insurance isn't valid. I have a friend who works in the industry and it DOES go on. People are employing more and more tactics to evade paying the correct premium and insurers are getting wise to it.

 

[Barryl85]

I'm not contradicting myself at all. The thread is about insurance fronting, not speeding. Speeding has zero relevance to the topic being discussed. You've tried to drag it into the discussion as a poor attempt at bolstering your point when it bears no relevance to declaration of mods.

If you're not a part of the solution you're a part of the problem. Apathy has a lot to answer for with the problems in this country and simply ignoring someone doing wrong shows a lack of backbone.

You are contradicting yourself because you are saying that people shouldnt commit one crime but not the other, I asked you because you are telling everyone you are a saint and yet i guarantee that you arent. Not because i wanted to drive this thread off topic.

You done the same thing by saying its ok to not declare an induction kit but should an engine.

Just because speeding is a law does not mean to say its the right thing to do maybe in the governments eye yes but not on my fun-o-meter.

I dont look down on anyone for speeding as such but i do feel like there is a resposible way to speed (if that makes any sense).

 

[Loonsta]

You are contradicting yourself because you are saying that people shouldnt commit one crime but not the other, I asked you because you are telling everyone you are a saint and yet i guarantee that you arent. Not because i wanted to drive this thread off topic.

You done the same thing by saying its ok to not declare an induction kit but should an engine.

Just because speeding is a law does not mean to say its the right thing to do maybe in the governments eye yes but not on my fun-o-meter.

I dont look down on anyone for speeding as such but i do feel like there is a resposible way to speed (if that makes any sense).

Where have I condoned, glamourised or suggested people should break the speed limit? Go have a look on this thread and point out where. I havn't!

Again you're reading comprehension is clearly lacking. I did not say it's ok to omit an IK but not an engine conversion. I guess I need to be more black and white with my use of language so as not to have any grey areas twisted in an attempt to make me look stupid.

I simply said that an IK could by some be seen as a slight omission or minor infraction (despite not agreeing with that opinion myself) but you'd struggle to find anyone who'd agree swapping a 1.4 to a 1.8 engine and not declaring it was no biggie. Although some of the posts made in this thread would make it appear I'm in the minority on that.

 

[Barryl85]

The vandalism is unfortunate, yes you were the victim however if you couldn't afford to insure it you should have either sold it or SORN'd it and started using it again when you were in a position to do so.

Insurers do communicate with each other and there is a (albeit slim) chance that you might have an unpleasant phonecall from your insurer asking to confirm the vehicles spec and that they've been tipped off that your insurance isn't valid. I have a friend who works in the industry and it DOES go on. People are employing more and more tactics to evade paying the correct premium and insurers are getting wise to it.

No i shouldnt have done that because i didnt want to or have to. The police didnt give a flying f**k about the idiots who done this to me so why should i put my life or my wants/needs to one side - i wasnt going to let them win by ruining my car.

But what would be the good in the phonecall when you could deny everything.

If they are sending someone out to look at the car you could easily put it back to standard if its suspension & bolt ons and let the guy look at the engine - chances are he will look at things like aircon or for anything shiny under the hood before engine numbers.

 

[matt0608]

its his own business, not urs anyway so let him get fuked for it at the end of the day, ur not gettin fuked for it so why complain, maybe ur just jealous u didnt think of that, "get his plate and name and grass him" **** sake guys get a grip. everyone loves a bit of power, so let it be,!!

 

[matt0608]

this argument is beast, lol just read every part of it and i still stick to my opinon, its not ur business and if u grass ur not acheiving everything from it!! no one likes a grass!!!

 

[Championship White]

Everyone's got their own opinion on what's right and wrong, I would think somone going from 1.4 to B18c without notifying the DVLA or insurance company was stupid to do so, but going from B16b to B18c would be ok since there isn't really much of a difference in performance. But both are illegal.

Hence, since everyone has a different opinion of what's right or wrong, it's up to the individual to decide whether they feel they should notify the police or not if someone has an undeclared swap.

If the person truly believed that the uninsured driver was a danger to other people on the road then I'd support their decision to dob them in, no-one wants a death or injury on their mind which could have been prevented.

But if the person doesn't seem to be a danger to anyone other than themselves then my opinion would be to just let them get on with it, if they get caught then they get banned from driving etc. and if they're only a danger to themselves then no innocent people will get hurt from their stupidity. I wouldn't dob them in just because I'm worried my insurance premium might go up.

 

[skyinsurance]

I'm make a few basic points here:

1) if you cant afford to insure a car properly (mods declared) then you shouldn't be driving it

2) there are many UK based specialist insurers who cater for modified cars, this really shouldnt be an issue

3) My company are not on here to snoop on people with undisclosed modifications, if you wish to drive with a potentially void insurance policy that is your lookout.

4) just becuase one person on an internet forum has got away with having a claim with non disclosed modifications on the car, it doesn't mean other people will, it is not clever to recommend this practice to anyone. I have seen people have their fingers badly burnt with this before.

When you need your insurance policy the most, eg in the event of a claim, that is when you would have wished your car was insured properly.

Ollie
Sky Insurance

 

[civic360]

X2 everyone to there own, i am in the middle of doing a conversion and more than likely will not be declared for the main reason anyone other than honda guys loking at it would be clueless if it was the standard or upgraded engine

tbh you guys can get away with it because your both running DOHC engines so it really isnt that obvious to the insurence compnys plus your quotes are prolly high enough

 

[Championship White]

I wouldn't like to bet that the person who turns up to look over the car in the event of a claim won't notice the engine swap, I would have thought the very first port of call is matching the engine to what's on the log book. Just because it's happened once doesn't mean it'll happen twice.

Plus, if the crash gets into the tens of thousands which it easily can with medical bills, legal bills and loss of income, they would go over the car in detail to get out of the claim.

 

[civic360]

I wouldn't like to bet that the person who turns up to look over the car in the event of a claim won't notice the engine swap, I would have thought the very first port of call is matching the engine to what's on the log book. Just because it's happened once doesn't mean it'll happen twice.

Plus, if the crash gets into the tens of thousands which it easily can with medical bills, legal bills and loss of income, they would go over the car in detail to get out of the claim.

I hope that guy gets banned straight away, so I can buy his car cheap hehe I am the only one here with out VTEC atm and it really bites

and for the record I will wait for the guy to make his own mistake

It's not cool to grass, no one should be denied VTEC, but should atleast not abuse it.

 

[Barryl85]

1) if you cant afford to insure a car properly (mods declared) then you shouldn't be driving it

Says who? the law?

The law didnt help me when my car got vandalised at all in the slightest so should i respect the law? do i owe the law anything?

So because i had to spend my hard earned cash which was going to be used to declare my mods on repairing my car i'm suppose to miss out on enjoying what i spent years saving for.

No chance

3) My company are not on here to snoop on people with undisclosed modifications, if you wish to drive with a potentially void insurance policy that is your lookout.

I cannot agree more, It was my choice and no one elses business.

4) just becuase one person on an internet forum has got away with having a claim with non disclosed modifications on the car, it doesn't mean other people will, it is not clever to recommend this practice to anyone. I have seen people have their fingers badly burnt with this before.

Who recommended it? Not me, i actually said i intended on declaring my mods and i would do in the future when its necessary.

When you need your insurance policy the most, eg in the event of a claim, that is when you would have wished your car was insured properly.

My car was insured properly except for the engine, a claim was processed without anyone noticing, as someone had stated before an insurance company will look over the car in greater detail if its for a higher value claim which is down right disgusting, its not unlawful but its actually disgusting - every claim should be looked at to the same high standard but its not.

 

[General]

In my opinion, most insurance companies are the biggest scammers going! You can have the smallest thing like hid kit or tinted windows, non which will make a difference to performance, however, they wont pay out if not declared just to worm their way out of it! There are some companies who will insure that kind of thing for next to nothing. Ive insured mine fully and declared my mods but as stated before, it's up to the individual what they want to do.

 

[skyinsurance]

FAO Barry, as I say, it's your look out. I say it as it is, take it or leave it, no skin off my nose.

 

[jordan101]

Man some people on this forum need slapped back into reality. Nothin worse than a grass.

If you dont declare your mods who cares? its up to the person. what you rather I did, not declare my mods or come round your house and stab your dad with a 4" lockback?

Get a ****ing grip.

And also to the original poster, what a ****ing pointless topic again, see if your that jelous of the boys car why dont you just cry into your pillow rather than spilling your rubbish here.

hahahahahaha a 4" lockback, i would just use a baguette