Will i get insured on a...

NiSmO

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bp_me

NiSmO wrote:

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moped experience wont count.
insured under one of your parents is probably the only way. call around and see.

NiSmO

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smash

don't think you have a chance of insurance on a levin, insurance on a 1ltr micra is pushing it even at 17 - you'll be blown out of the water with a quote if you get one at all. get a year or 2 experience on your parents car.

Anti

no hope at all tbh. even under your dad ncb policy named driver ect ect ect. just buy a micra or something for a few years, untill you hit about 20/23 insurance is gonna be sky high. and insurance know what levins are nowa day, and will charge more as it is considired a performance car

NiSmO

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bo-bo

NiSmO wrote:

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unfortunately you will find that the range of cars you will be quoted on will be limited enough

i doubt that any insurance company will take you on at 17 on a gt turbo - i could be wrong tho'

try as many companies as you can - you never know

happy hunting

NiSmO

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levin

They all get insured by lying about the car their driving like not telling about the turbo, by doing this their not really insured do

smash

ye, they don't declare the car as a glanza turbo, they just sat starlet... and tbh these cars a rubbish, they're dangerous and they're knacker mobiles!

Anti

levin wrote:

They all get insured by lying about the car their driving like not telling about the turbo, by doing this their not really insured do

nope. your wrong.

Ive imported a few cars from japan myself, and what the story is is that a starlet gt / glanza goes down as a flat 1.3, no turbo on the log book. same with imprezas, rx7's, skylines.

All you have to do is find a jap import, which they all should be. unless the fecking eejit thatbrough it in actually turned around and said to the customs ppl, ohh look thats really a actual turbo !!

kona

if your in a accident your ****ed!!!the turbo and intercooler will jump out at a assesor.sure tbh they are ****, if you buy one they are prob ****ed with either crash damage or a tubo/engine rebuild needed as they were prob driven to ****. could i get a log book from a 1.4 civic, and put it to a type-R??OP will get insured i know a fella who is 17 on a type R(real deal) although he wrote it off last week:D :mad:
if your learning to drive, high powered cars with L plates look stupid!!!

colm_mcm

Driving high powered can be tricky enough at times for experienced drivers. 17 year olds generally can't drive.

kona

colm_mcm wrote:

Driving high powered can be tricky enough at times for experienced drivers. 17 year olds generally can't drive.

thats why they shouldnt get glanzas etc, its for their own good, btw i am 18 and all my mates want these high power pieces of ****, ill take a 1.3 classic mini and bate them up a stick.o.k maybe not a glanza or type r but it would burn a regular civic, peg, or a golf:D

Anti

since when is a 120hp glanza considered high powered ? And if your logbook states a standard 1.3 you can fight it and win. alot of lads down in waterford have done this. legal loop holes you see.

And jasus man Is it not possible for you to do a post with a fist full of *'s surely your linguistic skills arent that basic are they ?

APM

kona, that type R that was written off last week think I know the same fella. if so look on his bebo for pics of crash damage. not pretty. hope he had it insured properly as he only had it a week

5500

anti wrote:

since when is a 120hp glanza considered high powered ? And if your logbook states a standard 1.3 you can fight it and win. alot of lads down in waterford have done this. legal loop holes you see.

Are you trying to say that guys knowingly with glanzas or gt starlets have gone to court and won cases by pleading "oh i didnt know it was a turbo,its only 1.3 on the log book"

Not a hope in hell would that stand up in court,the gaurds aint stupid either,iv had them look in my own engine bay and ask about induction kits ect to see if the car was as declared

Anti

thats exactally what im saying. not every one has been won. but from the lads i know who have had glanzas and crashed about 75% of them have got away with it, the trick is to take off the glanza badges and put on a starlet one. plus if you look in the engine bay you cant really see the turbo without moving some pipes and the manifold. Ive seen the same with a ek9 type r, down as a 1.6 on the log book. Lad got away with it and his insurance company coughed up too.

Im not saying its a wise thing to do at all. its rather stupid imho.

5500

Never mind moving pipes,theres a big dirty intercooler sitting looking at you when you open up the bonnet and there not the only giveaways.I cant see how an insurance assesor couldnt tell the difference between them,likewise with the civic as the only other 1.6 is sohc,the engines look nothing like each other so its beyond me how they could get away with it

And if its really happening at least the fools are only getting paid a fraction of the cost of the car seen as a nun spec glanza is about 5k cheaper the V

Anti

yep thats right. but there is a 1.6dohc aswell. What alot of ppl seem to do is if they crash remove the intercooler

The_Magoo

anti wrote:

thats exactally what im saying. not every one has been won. but from the lads i know who have had glanzas and crashed about 75% of them have got away with it, the trick is to take off the glanza badges and put on a starlet one. plus if you look in the engine bay you cant really see the turbo without moving some pipes and the manifold. Ive seen the same with a ek9 type r, down as a 1.6 on the log book. Lad got away with it and his insurance company coughed up too.

Im not saying its a wise thing to do at all. its rather stupid imho.

So how many lads with glanzas that they have crashed do you know? Do you think there might be a pattern? Young driver, fastish car, lying about insurance, and to reiterate a previous thread, all cars register in this state, the logbog does not state if the car is turbo or supercharge, it just oulines the capacity for tax purposes. When insuring the car you must state the spec of the car or else your insurance is void. Anyone who tells you otherwise is telling porkies in order to avoid losing face amoungst his peers. And no, you wont get insurance on a Levin at 17, and if you do it will cost €4k+. No insurace company will carry over a NCB from a moped, there is only one insurance company in ireland that cover scoots, and the wont transfer NCBs for bikes. Now I am not against anyone driving quick cars in a quick manner, but for the love of christ dont just jump in there thinking you will get the knack of it straight away. I have know to many good drivers who havnt come back from drives in there cars.

Anti

not all have been young. most around the age of 23/24. And you can get away with it, as long as you dont import the car yourself or buy it from a car importer, only from as private seller. you just have to play dumb. you get away with it more often then not. Now ill say it again, this is not a clever thing to do at all. its rather idiotic and immature.

bo-bo

anti wrote:

you just have to play dumb.

insurance companies operate on a policy of declaration - if you dont declare something its your fault, even if you genuinely didnt know - there is no way around it unfortunately:(

billyk

one of my mates had one of these at the same time i had a 1.1 saxo and could not beat me on a take off fair enough 300 metres down the road he blasted me, the car is too light for turbo all they seem to be good for is wheelspinning, good luck trying to insure a levin but try http://www.xsdirect.ie

Anti

He must of had a fairly **** glanza then. I had mine brough up to just under 200hp with extreme autos in waterford. And i would piss scoobys and skyline gts/gtst's off the line. same goes for integras, crx's and civics.

All you have to do with them is stick a set of 17's and you get traction. When i had the standard enkie 15's the wheels would light up in 4th when floored.

mloc123

antithe wrote:

trick is to take off the glanza badges and put on a starlet one. plus if you look in the engine bay you cant really see the turbo without moving some pipes and the manifold.

Are you serious? lol. Any and I mean any assesor will know within 10 seconds of looking at the engine that it is a turbo'd glanza and not a starlet.

colm_mcm

mloc123 wrote:

Are you serious? lol. Any and I mean any assesor will know within 10 seconds of looking at the engine that it is a turbo'd glanza and not a starlet.

Agreed, assesors aren't idiots, Glanzas get written off every week.

5500

anti wrote:

He must of had a fairly **** glanza then. I had mine brough up to just under 200hp with extreme autos in waterford. And i would piss scoobys and skyline gts/gtst's off the line. same goes for integras, crx's and civics.

What had you done to nearly break 200bhp?

mloc123

eireal wrote:

What had you done to nearly break 200bhp?

I was thinking the same thing.

Anti

Forged pistons, jun cams, front mounted intercooler from saab 900, t28 , larger injector, more boost 1.3bar, aqua mist. roling road tuned. pectal ecu. sard dump valve ( i know they gain no more power) tripple plate carbon fiber clutch. hks fuel pressure regulator, hks exhaust. And last but not least octane boost

mloc123

anti wrote:

Forged pistons, jun cams, front mounted intercooler from saab 900, t28 , larger injector, more boost 1.3bar, aqua mist. roling road tuned. pectal ecu. sard dump valve ( i know they gain no more power) tripple plate carbon fiber clutch. hks fuel pressure regulator, hks exhaust. And last but not least octane boost

How much did all this cost to do?

colm_mcm

I just find the idea of a Glanza not being able to keep up with a 1.1 Saxo a bit hard to swallow. Even a standard 1.3 Starlet would be quicker.

Anti

i did most of the fitting of parts myself, the ones that i could. i left the injectors pistons and ecu to extreme autos. all in all 2800€ as i was able to claim the vat back ;=)

Atomic Pineapple

anti wrote:

Forged pistons, jun cams, front mounted intercooler from saab 900, t28 , larger injector, more boost 1.3bar, aqua mist. roling road tuned. pectal ecu. sard dump valve ( i know they gain no more power) tripple plate carbon fiber clutch. hks fuel pressure regulator, hks exhaust. And last but not least octane boost

any extra safety mods to cope with the extra power? bigger better brakes or anything?

how much did your insurance increase with the modifications?

just like the glanza some people insure the levin as a standard 1.6 corolla, its a joke i seen 7 glanzas over the last weekend and none of the drivers were over 20, if they could afford the insurance on the car then surely they could afford a better car?

Henry Ford III

So what's the real story here?

I've seen ads. for Glanzas, Imprezas, and even Skylines etc. stating "Non turbo in the log book" or similar.

Is it a wholesale thing for guys to knowingly have dodgy insurance?

What about modifications and disclosure? Do people inform their insurance co's?

kev2

definatly go for somethin wit a bit of poke lad, sure why not, ive had a 1.3 lancer for a year now and im getten a mivec lancer tomorrow hopefully. its a proformance car too and think it has bout 170 bhp, 1.6 on the tax book (happy days). if ya can get away wit it go for it. the other people are right, if you have the car taxed, insured and tested as watever is on the book, they cant touch ya.

Mullie06

I can insure a Levin with quinn 3,500 tpft but the Levin is a 1.5 but it still has 110bhp if I where you i'd get a 306 d turbo van great chassis they look nice done up and have 144 lb/ft of torque which pently and the insurance is cheaper

milltown

LOL @ this thread

You know on some other threads people have started sentences using capital letters. Wonder if it will ever catch on here?

dwaol

hey

i am currently 17 and i have fully comprehensive insurence with eagle star
on my 2000 civic type r ek9 and she is properly insured and under my own name for 4500 so if i can get it on a ek9 it can be got on a bzr!!!

msg11

dwaol wrote: »

hey

i am currently 17 and i have fully comprehensive insurence with eagle star
on my 2000 civic type r ek9 and she is properly insured and under my own name for 4500 so if i can get it on a ek9 it can be got on a bzr!!!

Really ? Just to ask a question why did you buy the car ? (That's not in a snotty way either, just a question ! )

Also, I have insurance on my car its a 1.6 mirage, now on the website it did'nt have the car listed so I checked with the engine bay and came up with the type for the car which is cj4a , and I insured it threw quinn, as a 3 door 1597 Mitsubishi Mirage (cj4a) , should they know the specs of the car ? (Not a booster type it into google)

As unlike some people, I like to know my car is insured properly? I cant see a reason why it is not ..

Also, ring insurance companys and be as nice as you really can down the phone to them..

Also is this a true loop hole in the insurance policys too.

If you start a policy say in Jan on a 1.25 fiesta and during the year you decided to get a evo , the insurance company have to adjust your policy, is it true ?


Now there is a lesson here; make sure your car is insured properly. You can find yourself up for withholding information too the revenue also. And also remember in your license , the driver is responsible for making sure the car is taxed, PROPERLY insured and has a current nct .

stecleary

if you change your car they dont have to insure you!!i switched from a 1.4 astra to a 2.2 accor and they said no and i told them i have all ready bought the car the phone op had to check wit her senior cos the car was over 100bhp!! insuerance went up a good bit but got insured in the end!!
if you have a provo licence you wil find it hard but so easy wit a full licence because you can drive to the standard our joke of a government have set!!!:eek::eek:

dwaol

hey

i got the car because i was goin to just get a 1.3 colt but insurence was 3750 fully comp so when i went to collect the colt i saw the ek9 there for sale so i got a quote of 4500 and i got the civic!! it was an unexpected purchase i suppose!

msg11

dwaol wrote: »

hey

i got the car because i was goin to just get a 1.3 colt but insurence was 3750 fully comp so when i went to collect the colt i saw the ek9 there for sale so i got a quote of 4500 and i got the civic!! it was an unexpected purchase i suppose!

Do you not think that its a bit high priced for a quote ? 4500 euro...

thesoulfulldude

they wont quote you over a 1.4 without a full licence, i have a full licence and 1 years no claims, 19... they quoted me 3500. when they hear the bzr they know its a preformance import so not a hope. as for going down under your aould fella they'll want to know if he owns his own company and why he needs two cars. if you ring up and then your aould fella rings up and trys to put you down they'll black list you

thesoulfulldude

steve06 wrote: »

ye, they don't declare the car as a glanza turbo, they just sat starlet... and tbh these cars a rubbish, they're dangerous and they're knacker mobiles!

couldnt be more spot on... there pure ****. and also the handeling is worse than a frying pan with wheels

thesoulfulldude

Anti wrote: »

nope. your wrong.

Ive imported a few cars from japan myself, and what the story is is that a starlet gt / glanza goes down as a flat 1.3, no turbo on the log book. same with imprezas, rx7's, skylines.

All you have to do is find a jap import, which they all should be. unless the fecking eejit thatbrough it in actually turned around and said to the customs ppl, ohh look thats really a actual turbo !!

thats pointless your not insured if you dont claim it as a turbo at customs, even if you put an induction kit on the car your not insured

Seperate

Right, to clear this insurance thing up...

First of all, no log book in the country says turbo, supercharged or n/a.

If you insure your car as a normal 1.3 and do not declare the turbo, and then you are involved in an accident, the assessor will know. I worked in insurance for 2 years dealing with claims, and these chaps are paid (well!) to spot these kind of things. In thier reports they send back to the insurance company, the chassis number, power output, fuel type etc. is included. The chassis/power output is read from the car's stamp.

If you have insured the car as something that it is not, then the insurance company will first of all decline your claim for damage to you own car. They will then do you up a new quote. If that quote is more then an additional 45% of the premium you paid, then the policy is void, and you are classed as driving uninsured. They will notify the gardai, and you will be prosecuted. It also counts as insurance rejected, so you will not or will find it very difficult and expensive to get insured elsewhere.

If the new quote is less then the 45% then they will deal with the third party, reject your claim and cancel your policy effective immediately. You will also have insurance rejected against you and as above, getting insured again will be difficult and/or very expensive.

You are risking 5 points, prosecution, a hefty fine and paying through the roof for insurance for the rest of your life! Stupid thing to do.

msg11

Seperate wrote: »

Right, to clear this insurance thing up...

First of all, no log book in the country says turbo, supercharged or n/a.

If you insure your car as a normal 1.3 and do not declare the turbo, and then you are involved in an accident, the assessor will know. I worked in insurance for 2 years dealing with claims, and these chaps are paid (well!) to spot these kind of things. In thier reports they send back to the insurance company, the chassis number, power output, fuel type etc. is included. The chassis/power output is read from the car's stamp.

If you have insured the car as something that it is not, then the insurance company will first of all decline your claim for damage to you own car. They will then do you up a new quote. If that quote is more then an additional 45% of the premium you paid, then the policy is void, and you are classed as driving uninsured. They will notify the gardai, and you will be prosecuted. It also counts as insurance rejected, so you will not or will find it very difficult and expensive to get insured elsewhere.

If the new quote is less then the 45% then they will deal with the third party, reject your claim and cancel your policy effective immediately. You will also have insurance rejected against you and as above, getting insured again will be difficult and/or very expensive.

You are risking 5 points, prosecution, a hefty fine and paying through the roof for insurance for the rest of your life! Stupid thing to do.

So would I be insured ? I declared the car as described on the stamp !

cj4a import to the insurance !

Atomic Pineapple

msg11 wrote: »

So would I be insured ? I declared the car as described on the stamp !

cj4a import to the insurance !

you have to describe to them the car exactly as it is, regardless of what it says on the logbook, my integra only says 1.8 on the log book so it could be an sir or a type r but i made sure that they knew it was a type r to be properly insured

dwaol

no well considering the car age and experience i think it was a good quote

briano1984

my friend had a 1.6 mivec lancer while ago...he told the ins company at the time but somehow the girl taking quote either didnt get the mivec bit or just left it out but his ins went up nearly 1g next year. lot of ppl do leave out the little extras on ins but if involved in smallest crash ur not covered. not worth it