Insurance companies get right up my nose.

20 years ago probably to the day I was driving around in a car with a 'Turbo ' badge stuck on it' date='obligatory Hella spotlights,go faster stripes,big speakers sitting on the parcel shelf.

It was still a flipping 1.0 litre Talbot Samba LS whatever(what was I thinking ) I tried to create.

My sister wrote it off after rolling the tin can,the insurers back then paid up no problem apart from a little haggle on the value of a 1.0 Samba.

Nowadays it's so different.They merrily take a fortune of us all then try and think of any way they can to avoid paying up.If you are reading this you are as bad as thieves you slimey buggers and yes you do make lots of profit out of insurance or you wouldn't be flogging the damn stuff.

If this poor bloke rolls his car and you lot find a stuck on vRS badge,don't even think about voiding for not declaring.It's still a 1.6lx you shysters [/quote']

seconded

how do you come to that conclusion?

Well, it's hardly a conclusion... I merely said 'suggests' :P. Anyway, I'd expect the policy document to at least mention modifications if the company's ok with them... the lack of any mention at all suggests to me they're not likely to want modified vehicles... I may be wrong, who knows.

yeh!!!!!! lets hunt them down! lol. Your exactly right though. Its costing about

By which I hope[/i'] you mean your mother is the main driver? If not, and you're just using her name as the policyholder and yourself as a named driver in order to save money, I'd say invalidating your insurance by sticking a badge on would be the least of your worries, since it's already void (if your insurers find out!)

i did it for years..if they didnt charge so much i wouldnt have done it, bth how will they find out?

i dont understand what ya mean, yeh, shes the main driver, and yeh im named! lol, dnt get wot ya mean!

i'll be driving it mainly though!

i'll be driving it mainly though!

basicly your the main driver so u sould be the main policy holder but inorder to cope with stupid insurance prices people do it the other way round and keep QUITE!!

o yes i obviously got mixed up before. What i ment to say was my mum will be mainly driving the car and I will just be an added driver. Yes thats what i ment

dam them and their policies all to hell!

screw the ****ers up the ar*e

i second that motion

sloppy seconds....... :eek:

basicly your the main driver so u sould be the main policy holder but inorder to cope with stupid insurance prices people do it the other way round and keep QUITE!!

I've never understood how this is really supposed to help anyone... All you end up achieving is after a few years of being mummy's named driver, during which you can't accrue your own NCD, you might get maybe 20-25% cheaper insurance (assuming no claims) because of your age and the time you've held your license... But if people would just keep to the law, buy their own insurance and build up their NCD they'd have 40% discount within three years anyway, without ever breaking any laws.

At the end of the day, it's not about whether it's easy for the insurance company to find out... it's about whether or not they CAN. And believe me, they will if they want to.

If young drivers can't afford the insurance for their cars, they should buy a car which is cheaper to insure.

It is certainly more sensible to get on the 'insure it yourself 'ladder as soon as you possibly can.

I second the advice of getting the cheap to insure car first. 1.0 or 1.2 something or other.

Bite the bullet and get your own insurance as soon as you can expensive but helps in the long run

ive fitted a vrs spoiler to my octy, and another discreet one to the top of the boot glass, and 17" wheels.

my insurance didnt go up any.

dont know if this helps any. but i'd tell them all the same.

how old r u matt? Im definately considering vrs spoiler, and the vrs bumper, iv js put sum 14" alloys on, and the vrs badge is still to go on.

23. insured with natiowide.

ive just had somebody hit me at the back.

nationwide have sorted me out straight away. booked my car in and even got cd bramalls to hire a car that is as big as mine (ford focus) instead of a micra.

they have been brilliant. give them a try.

cheers

just a quick pic of my spoilers.