 Insurance, How much coverage? |
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 Nov 14, 2003 - 7:42 AM
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 Enthusiast  Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%)  |
Have you tried norwich union?
I bet you haven't said you've got mods. When that accident happened did either one contact the police or did she just pay up with out going though the insurance??? -------------------- |
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Nov 14, 2003 - 7:48 AM
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 Enthusiast Joined Sep 23, '02 From local petrol station!, UK Currently Offline Reputation: 0 (0%) |
i woz with norwich union before, but when i got celica and tried to insure it they basically told me to fu*k off! eerm.......lets just say that i forgot to mention a few things (like alloys, exhaust, suspension, ice and so on!!) The accident was totally her fault - i mean there was nobody in my car so she didn't have much of a case! she was alright about it, and i got a courtesy car for about 2 weeks, and it didn't affect my mums no-claims in any way. We had to go through insurance cuz it wasn't her car - some loan thing from the NHS?? how much did they charge you 4 insurance?? This post has been edited by Aus: Nov 14, 2003 - 7:48 AM -------------------- 1996 UK white ST205
1998 UK silver ST202  Nothing is fool-proof to a sufficiently talented fool!!! |
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Nov 14, 2003 - 8:21 AM
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Enthusiast Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%) |
On a primera nissan 100bhp group 9. Own policy.
Age 18 £2,300 Age 19 £1,200 Waiting till i'm 21 and then I can buy a celica GT. Have been quoted £900 so I think i might get it, i've always wanted a fast car. -------------------- |
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Nov 14, 2003 - 8:32 AM
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Enthusiast Joined Sep 23, '02 From local petrol station!, UK Currently Offline Reputation: 0 (0%) |
is that fully comp?? oh and i forgot 2 ask you before - wot mods did u declare, and how much extra did they charge you?? -------------------- 1996 UK white ST205
1998 UK silver ST202 Nothing is fool-proof to a sufficiently talented fool!!! |
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Nov 14, 2003 - 3:28 PM
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Enthusiast Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%) |
thats all 3rd party, I dont think i'll ever get full it cost so much.
I have exhuast, tints, 17" alloys. It would cost me a extra £500 to just insure the alloys so I haven't bothered. But whats the point of getting insurance if you invalidate it by getting mods? You may as well get more mods with the insurance money maybe the cops wont catch you then LOL! -------------------- |
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Nov 14, 2003 - 3:41 PM
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 Administrator Joined Aug 23, '02 From Seattle, WA Currently Offline Reputation: 14 (100%) |
My insurance is $230 a month for full coverage under my parents' policy, which is a lot, but it has already helped me out a lot.
-------------------- New Toyota project coming soon...
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Nov 15, 2003 - 7:36 PM
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Enthusiast Joined Jan 16, '03 From Wichita KS Currently Offline Reputation: 0 (0%) |
my insurance seems really cheap compared to yours, i know i only have liabiliity but i only pay $280 every 6 months.
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Nov 19, 2003 - 2:55 PM
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Enthusiast Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%) |
Did you know that if your car is totaled the insurance company takes it, pays you the claim and sells the car to the scrap yard!! And scrap yards sell them to garages and they fix them and resell them!
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Nov 20, 2003 - 8:47 PM
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Enthusiast Joined Oct 31, '02 From grants pass oregon Currently Offline Reputation: 8 (100%) |
i pay 350 a month for liability now. but thats with 8 speeding tickets, and a duii, so i have to have a sr 22 form. now the car is totaled and i cant turn it in to insurance so i will be fixing it myself. toyota parts are hella expensive
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Nov 20, 2003 - 8:50 PM
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 Enthusiast Joined Aug 29, '02 From Dallas, Tx Currently Offline Reputation: 0 (0%) |
I finally decided to give up my full coverage. Blue Book on the car is only $3k so thats what the insurance company would give me for it. Thats a bunch of crap, all this time I've been paying way more than I ever needed to. I could have built a second car already for that money. So I've got liability with Geico now. I'm paying $621 every 6mos now. Much more reasonable.
I've decided to get a good car alarm and perhaps a lojack. Does anybody have any experience with the lojack? Whats the best car alarm out there? |
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Nov 21, 2003 - 12:35 PM
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Enthusiast Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%) |
Yeah when you think about it the money you spend on insurance so your safe if police pull you other, you could spend that on modding your car so they cant catch you:)
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Nov 21, 2003 - 12:58 PM
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Enthusiast Joined Nov 4, '02 From Davenport Iowa Currently Offline Reputation: 0 (0%) |
What I cant quite seem to get a grasp of is the concept of chargin you guys more for you mods... Granted I can diffently understand that have mods done to your car would make some people drive recklessly.. but when you think of terms of suspension and performance... you are less likely to get into an accident in a vehicle that has really good response and control verses a car that you just point it in the direction you want to go and hope no one hits you
 --------------------  99 project version 3.0.. hello SEMA 2010 =) |
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Nov 21, 2003 - 6:47 PM
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Enthusiast Joined Aug 29, '02 From Dallas, Tx Currently Offline Reputation: 0 (0%) |
Yah, I'm with neverstop. I guess it might make sense if they're actually insuring your car for more $$ in proportion to the mods, but damn. In the US you can claim mods and insure them for an additional value past the value of the car, but its pricey and you obviously have to already be paying out the ass for full coverage.
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Nov 21, 2003 - 7:39 PM
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 Enthusiast Joined Jun 26, '03 From Wisconsin Currently Offline Reputation: 0 (0%) |
I pay 110 a month for full on my 1998 gt with rims insured as well. I'm 19, been in an at-fault accident, and a few tickets. Those should all be off my record now and the accident is too. The maximum I was paying was 160 a month on liability but that was because they didn't know one of my tickets was dropped.
-------------------- i am awesome
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Nov 24, 2003 - 8:13 AM
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Enthusiast Joined Aug 21, '03 From UK Liverpool Currently Offline Reputation: 0 (0%) |
In the USA how long does it take for a ticket/points to come off??
In the UK its 5 Years! And whats more funny is they call it conviction sounds like your a crimeal. -------------------- |
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Nov 24, 2003 - 3:38 PM
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 Enthusiast Joined Apr 15, '03 From San Jose, CA, USA Currently Offline Reputation: 1 (100%) |
tickets here I think are either a year and a half or 3 years, and accidents are 3-5 years... thats California.
And so you all know, here in the US in states that require insurance you can either have liability insurance or PROVE financial responsibility, meaning if you have like 100k in the bank then thats your insurance. and also, im not sure exactly how much my policy is alone, but using Progressive.com full coverage for me every 6 months would be $2000... 4k a year. 
This post has been edited by Chrobis: Nov 24, 2003 - 3:39 PM |
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