xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by Rich H
How have you got the Fabia insured with all mods declared TPFT? I thought cars over £5k had to be Fully Comp? Even as standard your car must be worth £5k?
Declared agreed value as 10k and insured TPFT with adrian flux..
quote:
Originally posted by Jambo
Wait a minute...
You would rather a diesel FWD car than a N/A 340bhp RWD car thats better looking, better made, better balanced and doesnt need 23k spent on it to make it "good" (With rear parking sensors)
for what i use it for, yes
offered a straight swap, i said no
quote:
Originally posted by sc0ott
have you had insurance quotes on something thats going to cost around 15k?
nope, i hate doing quotes so want to make my mind up on a car first
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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I cant see you getting a good quote tbh, especially when you say you drive until you crash it and how you have tpft on what would have been an over 5k car when you bought it.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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How can you agree the value on a TP policy? Surely it's completely irrelevant what it's worth?
Hardly see the other insurer paying more out just because you gave Flux more. Do they make up such a shortfall or something?
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John
Member
Registered: 30th Jun 03
User status: Offline
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What's happened is they've asked him what it's worth and he's said 10k.
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xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by John
What's happened is they've asked him what it's worth and he's said 10k.
No, I said I want an agreed value on the car, or I want to declare each mod separately and if it gets stolen they will either pay the agreed value of the amount of the car plus the mods.
I only listed the big mods but it's well over the agreed value, but i paid £63 more to have the agreed value on the policy
why do people just presume and think they know best on the internet? it's my policy, not yours, how the fuck would you know?
[Edited on 13-12-2011 by xa0s]
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Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
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Page 3 says it's 3rd party only, now it's TPFT 
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xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by CorsaDave
Page 3 says it's 3rd party only, now it's TPFT
i dont even think u can insure 3rd party only, haven't been able to on my last few policies anyway
basically meant it wasn't FC
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Didn't think about theft.
My point was if you crash it, they're not going to give you anything anyway, regardless of what you value it at.
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Dave
Member
Registered: 26th Feb 01
Location: Lancs
User status: Offline
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When I got quotes for the van this time it was more expensive TPO, then TPFT, cheapest was FC. Can you remember what the difference was in your case?
Assume agreed value is in case it's nicked/burnt to a crisp then?
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John
Member
Registered: 30th Jun 03
User status: Offline
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How do you get a new car when you crash the old one if you get Tpft insurance?
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xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by John
How do you get a new car when you crash the old one if you get Tpft insurance?
more referring to bikes. always been TPFT and always just cut my losses and moved on.
wrote my K7 600 off last year after spending £10k on it, it's now rotting in my back garden, will probably list it up for sale soon but it'll only go for £2.5k max I think
i want to get a K7 750 in about feb as a lot of the mods i did to the 600 will fit straight onto the 750
never really wrote a car off except for my mums company car a few years ago, brand new octavia, didn't like being cornered at 110mph and ended up in a field during a family holiday away. re-broke my arm that had just had the plates removed from when i wrote my vfr400rr off a few months before hand
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xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by Ian
Didn't think about theft.
My point was if you crash it, they're not going to give you anything anyway, regardless of what you value it at.
im aware of this, hence it being TPFT and not Fc.. lol
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3i_gaz
Member
Registered: 29th Nov 07
Location: Liverpool
User status: Offline
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10k on a gixxer 600?!! must of been a nice spec bike what bits did it have?
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xa0s
Banned
Registered: 4th Mar 08
Location: Dartford, Kent Car: Turbo'd Fabia vRS
User status: Offline
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quote:
Originally posted by 3i_gaz
10k on a gixxer 600?!! must of been a nice spec bike what bits did it have?
Dymag 5 Spoke Carbon Wheels
Talon 45 Teeth Rear Sprocket (+1 Standard)
Titanium (Grade 6) Disc Bolts (Front & Rear)
Brembo M4 Monoblock Callipers
Racetec Interact Tyres (K1 Front & K2 Rear)
Brembo RCS Master Cylinder (DOT 5.1 Fluid)
Harry R's 1/5th Turn Quick Action Throttle
Brembo HPK 320mm Floating Discs
Brembo Brake Pads
Black Anodized Pazzo 'Shorty' Clutch Lever
Black Anodized Gilles Rearsets
Black Anodized Oxford Bar Ends
Black 'Stealth' HEL Braided Hoses (Front & Rear)
HMQuickshifter
Dynojet Power Commander III USB with Custom Map (111.89bhp)
K&N Air Filter
Tyga Performance Carbon Seat Panels
Tyga Performance Carbon Front Fender
Tyga Performance Carbon Rear Hugger
Tyga Performance Carbon Chain Guard
Akrapovic Low Exit Carbon Exhaust
Renthal Grips (Medium)
Smoked Rear Indicators
Smoked Rear Light
Smoked Double Bubble Screen
HID's (8000k)
R&G Fork Protectors
R&G Swing-arm Protectors
R&G Tail Tidy
R&G Crash Protectors
Number Plate (7" by 5")
Suzuki Carbon Look Yoke Protector
Suzuki Carbon Look Tank Protector
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3i_gaz
Member
Registered: 29th Nov 07
Location: Liverpool
User status: Offline
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nice bit of kit that to be fair!
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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quote:
Originally posted by xa0s
brand new octavia, didn't like being cornered at 110mph and ended up in a field during a family holiday away.
Or you can't drive?
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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So to summarise,
You want a new car around the 20k and youve been offered 10k for the fabia but youre no accepting because youve spent a little more making it a tuned fabia.
You own a car till you crash but you have only even crashed your mums company car, which you didnt own.
You dont know if youre on tp or tpft but you own a car valued at 10k which flux are aware of but you wont sell it for that because youve spent more, but if you crash it like you say you wont get a 10k payout because youre not fully comp, but if you were fully comp youll get a payout of 10k which you say is less than whats been spent on it any way.
You get a good discount at unit 8 but you wont strip the car back to standard because you / ali@unit8 cant be bothered even though you could make more doing it that way.
You dont want to sell your car because you have made it the way you want it, from heavily tuning to changing the old LED bulbs.
Something tells me this thread was made to troll.
[Edited on 14-12-2011 by sc0ott]
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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i feel sorry for your mum, i always thought you saying you drove on the limit was trolling... youv crashed that many times and still havent learned? bet your mums terrified everytime you drive your car/bike
you should be ashamed tbh
[Edited on 14-12-2011 by john-d]
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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This thread needs more summaries
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Russ
Member
Registered: 14th Mar 04
Location: Armchair
User status: Offline
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To summarise:
you are Neo, an elite hacker caught in the vagweb matrix
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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quote:
Originally posted by Ian
Didn't think about theft.
My point was if you crash it, they're not going to give you anything anyway, regardless of what you value it at.
Which, given his first post (or several video's) in this doesn't appear beyond the realsm of possibility 
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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I really don't understand why people just assume everyone on here lie about everything?
If he says its tpft then what does it matter? It's his car, his choice and ultimately his loss if he bales at silly speeds.
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chrisritch
Member
Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline
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quote:
Originally posted by xa0s
quote:
Originally posted by John
How do you get a new car when you crash the old one if you get Tpft insurance?
more referring to bikes. always been TPFT and always just cut my losses and moved on.
wrote my K7 600 off last year after spending £10k on it, it's now rotting in my back garden, will probably list it up for sale soon but it'll only go for £2.5k max I think
i want to get a K7 750 in about feb as a lot of the mods i did to the 600 will fit straight onto the 750
never really wrote a car off except for my mums company car a few years ago, brand new octavia, didn't like being cornered at 110mph and ended up in a field during a family holiday away. re-broke my arm that had just had the plates removed from when i wrote my vfr400rr off a few months before hand
You really don't deserve to have a driving license. You are going to end up bleeding to death in a crumpled piece of metal soon whilst everyone says 'I Told You So'
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sc0ott
Member
Registered: 16th Feb 09
User status: Offline
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I wouldnt say he is lieing because he does have a tuned fabia.
I'd say its more bullshit being fed to everyone through a normal thread. IE the whole owning a car till he crashes comment but he has never 'owned' a car that hes crashed.
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Baskey
Member
Registered: 31st May 06
User status: Offline
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quote:
Originally posted by Seany
I really don't understand why people just assume everyone on here lie about everything?
If he says its tpft then what does it matter? It's his car, his choice and ultimately his loss if he bales at silly speeds.
It's the Internet mate. Makes me laugh that people make statements such as not being able to have tpft on a car of a certain value when they clearly don't know what they are talking about.
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