stevewp Posted March 28, 2006 Report Share Posted March 28, 2006 On the 1.0 thing. Hannah's had hers for 6 years now, and we still don't find it too painful to drive! I bring it to work from time to time (115 miles each way) and it's fine.On the not declaring mods thing, I'm going to sound not very friendly here. I fyou (or anyone else) drove into to me and I discovered you (they) weren't insured, you (they) would be eating through a straw for a VERY long time! It's out of order, plain and simple. The reason all of our premiums are higher is because of uninsured drivers. Not declaring your mods to your insurance company means you are uninsured, NOT under-insured! So, my suggestion is, get a 1.0L, maybe do a couple of things if you're desperate, but you really want to keep those costs down for at least the first year, after which you'll have a nice fat 30% discount which you can use to offset the extra costs of a faster/more modded car. And by the way, welcome to CL !!! style="vertical-align:middle" emoid=":D" border="0" alt="biggrin.gif" /> Quote Link to comment Share on other sites More sharing options...
andyp Posted March 28, 2006 Report Share Posted March 28, 2006 (edited) if you buy a 1.0, just put a decent head unit in and maybe uprate the speakers..no point doing anything drastic to it cause its not worth it...with it being your first car think of the resale value of the car, when you want to upgrade to a slightly more powerful motor...if youve drastically changed the appearence of the car then your not going to get anything near of what you could sell the car for if it was standard(ish).god i sound like an old man.... style="vertical-align:middle" emoid=":lol:" border="0" alt="laugh.gif" /> Edited March 28, 2006 by andyp Quote Link to comment Share on other sites More sharing options...
Dblock Posted March 28, 2006 Author Report Share Posted March 28, 2006 Cool, I have thought about the quiksilver but its the same as the lupo 75bhp with more expensive insurance.I might not put alloys on it or i might just declaire them. I woudn't drastically change it. No de badging or anything just alloys and im set. Maybe a nce pair or 16" BBS.... Quote Link to comment Share on other sites More sharing options...
Mr ColinG Posted March 28, 2006 Report Share Posted March 28, 2006 (edited) I might not put alloys on it or i might just declaire them. I woudn't drastically change it. No de badging or anything just alloys and im set. Maybe a nce pair or 16" BBS....I not sure if we are getting through. style="vertical-align:middle" emoid=":unsure:" border="0" alt="unsure.gif" /> If you do not declare mods YOU ARE NOT INSURED, simple as that. style="vertical-align:middle" emoid=":thumbdown:" border="0" alt="thumbdown.gif" />Where about in Scotland are you so we know where to steer clear when you start driving your uninsured car. style="vertical-align:middle" emoid=":swerve:" border="0" alt="swerve.gif" /> Edited March 28, 2006 by Bluloop Quote Link to comment Share on other sites More sharing options...
mattie Posted March 28, 2006 Report Share Posted March 28, 2006 phone all the insurance companies and get quotes with alloys and springs, you may be suprised - my wheels and springs only added another 50£ on, although im insured under my dads name.. Quote Link to comment Share on other sites More sharing options...
BigMon Posted March 28, 2006 Report Share Posted March 28, 2006 In summary, declare everything and if it's too expensive buy something small-engined and with a low insurance group like we all had to do. style="vertical-align:middle" emoid=":)" border="0" alt="smile.gif" /> Quote Link to comment Share on other sites More sharing options...
stevewp Posted March 28, 2006 Report Share Posted March 28, 2006 If you don't declare everything, your insurance is null and void. You're covered for a car you don't own. What's the difference between telling them you've got different wheels etc, and telling them a different numberplate, or engine size, or model of car? They're all akin to each other (especially to the insurance company who will do ANYTHING to get out of paying out), and they all invalidate your insurance. Quote Link to comment Share on other sites More sharing options...
andyp Posted March 28, 2006 Report Share Posted March 28, 2006 look at the end of the day, all we are saying is if you put stuff onto your car, whichever one u decide on, then please declare them.example:just think if somebody smacked into you whilst driving about one day. damaged the car enough for it to be an insurance job then u found out that they didnt have insurance and so couldnt pay... what would your reaction be... p***** off is what u would be.thats the point that we are making. Quote Link to comment Share on other sites More sharing options...
stevewp Posted March 28, 2006 Report Share Posted March 28, 2006 Steve read what i put again and read it propperly...IT DOESNT VOID ANY DAMAGE TO THIRD PARTIES... They wont pay out for the criminal in the picture (the modified-non-declaired driver) but they will pay out for the victim regardless of any modifications declaired or not!I did read what you said. But if your insurance is invalid, the company has no liability to the third party, and so to claim, said third party would have to persue other means. Quote Link to comment Share on other sites More sharing options...
nfbr Posted March 28, 2006 Report Share Posted March 28, 2006 I think you should ask someone who deals with insurance claims... They'll tell you the same thing i just did... Quote Link to comment Share on other sites More sharing options...
stevewp Posted March 28, 2006 Report Share Posted March 28, 2006 What, like I used to?? style="vertical-align:middle" emoid=";)" border="0" alt="wink.gif" /> Quote Link to comment Share on other sites More sharing options...
nfbr Posted March 28, 2006 Report Share Posted March 28, 2006 from now on we shall call you "Oracle" Quote Link to comment Share on other sites More sharing options...
stevewp Posted March 28, 2006 Report Share Posted March 28, 2006 LMAO...I wouldn't - I'm full of crap!! Lol style="vertical-align:middle" emoid=";)" border="0" alt="wink.gif" />And I won't make suggestions as to alternative nicknames - I'm not THAT stupid!! he he Quote Link to comment Share on other sites More sharing options...
Mr ColinG Posted March 28, 2006 Report Share Posted March 28, 2006 So are we all agreed if you dont declare mods your not insured.Its just I have a little St Andrews cross badge on the boot and I havent declared it and now im worried. style="vertical-align:middle" emoid=":lol:" border="0" alt="laugh.gif" /> Quote Link to comment Share on other sites More sharing options...
Silver! Posted March 28, 2006 Report Share Posted March 28, 2006 ...On the not declaring mods thing, I'm going to sound not very friendly here. I fyou (or anyone else) drove into to me and I discovered you (they) weren't insured, you (they) would be eating through a straw for a VERY long time! It's out of order, plain and simple. The reason all of our premiums are higher is because of uninsured drivers...Jeez... you have a way with words stevevx!Welcome to the forum, just get insured properly!Silver!stevevx... style="vertical-align:middle" emoid=":roflmao:" border="0" alt="roflmao.gif" /> Quote Link to comment Share on other sites More sharing options...
Dblock Posted March 28, 2006 Author Report Share Posted March 28, 2006 ok ok il get insured properly. It just a 1000 pound increase in insure for alloys seems stupid. Prolly will only keep this car for 2 years then get a leon cupra Quote Link to comment Share on other sites More sharing options...
andyp Posted March 28, 2006 Report Share Posted March 28, 2006 £1000 pounds seems a lot...is this with aftermarket wheels or standard alloys?? have a look at www.confused.com mate and see if any better deals.also nobody is directly having a go at you mate, just trying to help you out. Quote Link to comment Share on other sites More sharing options...
GTi T Posted March 28, 2006 Report Share Posted March 28, 2006 Welcome to the club young chappyAt least you have good taste for your ageNot into Paxos style="vertical-align:middle" emoid=":blink:" border="0" alt="blink.gif" /> Good man, im sure youll find a nice loop for sale when the time comesTForgot to add....My insurance know about all 3 sets of wheels for my car They specifically wanted sizes of wheels,tyres,the make etcI never worry because im covered so its worth declaring if your gona go for aftermarket modsT Quote Link to comment Share on other sites More sharing options...
Dblock Posted March 28, 2006 Author Report Share Posted March 28, 2006 I use confused for all my quotes. You can delcaire all your sets of wheels?Yes i told them they were 3rd party wheels. Quote Link to comment Share on other sites More sharing options...
Mitchell Posted March 28, 2006 Report Share Posted March 28, 2006 all you need are some style="vertical-align:middle" emoid=":shades:" border="0" alt="shades.gif" /> style="vertical-align:middle" emoid=":lol:" border="0" alt="laugh.gif" /> style="vertical-align:middle" emoid=":blush:" border="0" alt="blush.gif" /> style="vertical-align:middle" emoid=":P" border="0" alt="tongue.gif" /> style="vertical-align:middle" emoid=":(" border="0" alt="sad.gif" /> style="vertical-align:middle" emoid=":D" border="0" alt="biggrin.gif" /> style="vertical-align:middle" emoid="B)" border="0" alt="cool.gif" /> style="vertical-align:middle" emoid=":wacko:" border="0" alt="wacko.gif" /> style="vertical-align:middle" emoid=";)" border="0" alt="wink.gif" /> style="vertical-align:middle" emoid=":wub:" border="0" alt="wub.gif" /> and change your name to m6feztoarosagti or whatever Quote Link to comment Share on other sites More sharing options...
DJ Posted March 29, 2006 Report Share Posted March 29, 2006 As I said, go looking for a 1.0 or 1.4 SE as it came with alloys as standard if you have your heart set on a Lupo.Or if you are saving up for a Cupra R then get something basic like a Ka or Fiesta for a few years and build up your NCB. No shame in having a basic car for your first one. Quote Link to comment Share on other sites More sharing options...
stevewp Posted March 29, 2006 Report Share Posted March 29, 2006 No shame in having a basic car for your first one.Agreed. I'm still waiting to get a cool car, and I'm 32!!! Lmao Quote Link to comment Share on other sites More sharing options...
Silver! Posted March 29, 2006 Report Share Posted March 29, 2006 Agreed. I'm still waiting to get a cool car, and I'm 32!!! Lmao...and I'm 44! style="vertical-align:middle" emoid=":huh:" border="0" alt="huh.gif" /> Quote Link to comment Share on other sites More sharing options...
DJ Posted March 29, 2006 Report Share Posted March 29, 2006 Agreed. I'm still waiting to get a cool car, and I'm 32!!! LmaoAh but then you also have a bike so that says it all. Quote Link to comment Share on other sites More sharing options...
Dblock Posted March 29, 2006 Author Report Share Posted March 29, 2006 A ka nah definatly getting a lupo. I think what i would do then is keep my car stock for the 1st year, then second year i will have 1 years ncb then gets some mental bbs alloys. Just one more question are the normal head units in lupos double din or single din? Quote Link to comment Share on other sites More sharing options...
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