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PostPosted: Sun Jul 02, 2006 19:56 
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This is when the cynicism of te insurance companies can be seen - modify a bog standard car with go quicker bits - up jumps the premium - decide that the brakes etc could be a little better and "sorry" - not interested.

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PostPosted: Sun Jul 02, 2006 22:42 
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Lum wrote:
Insurance is stupidly high for any vaguely interesting cars. When I was 24 I was paying £2200 on my Legacy with 3 years no claims (would have been £4400 if I'd insured it at my Liverpool address), I'm now only paying £1000 (with more no claims, of course)

When I was younger, I would have been looking at a grand to insure, say, an XR3i, and was being refused quotes on an RS Turbo. I also managed to get a 5 figure quote on my dad's C reg jag from the AA.

So yes, I can understand kids tarting up their cars to look more like the car they'd actually want to own. Doesn't stop me laughing at the more badly done and extreme examples though.

I have an issue with some of these points though..

[QUOTE=Mole]It makes my hair stand on end when I see some of these "Lax Power" muppets charging round in their Saxos and Corsas with 18" alloy wheels shod in "BIG BOOTS" proudly displaying their original tiny little brakes through the spokes!


Those wheels wont make much difference to the acceleration of the car. They may give it a little more grip which would add the potential for more acceleration IF the engine is capable of spinning the wheels, which I doubt somewhat. They are less likely to come off on a corner and may stop a little better due to the increased grip (though better gains could be had by not fitting Kwik-fit own brand tyres). Yes the bright red painted brake DRUMS behind the spindly 18" alloys do look comical, but it's not a safety issue.

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As cars get more and more sophisticated, I wonder if they realise what the one-piece front end job will do to confuse their airbag computer in a crash? What the gullwing door conversion will do for their side impact resistance and what the kevlar racing bucket seats will do when their side airbag goes off.


Who cares? The only person going to suffer from this is the driver/owner themselves, and possibly their chav underage girlfriend who was stupid enough to agree to get into the thing.

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I sometimes wonder whether lowering the car 4" and replacing the 195/60/14 tyres with 255/45/18s will maybe affect their ABS, stability control and braking performance in some way?...


The affects of lowering and replacing tyres are fairly well understood. Done properly it will be an improvement. Cut the springs and it will handle a lot worse.

I doubt most of these cars have stability control to be honest. It's usually found on the higher end cars that actually need it.

As for ABS. I honestly don't know. People replace wheels all the time so I'd hope any problems with this would have been noticed by now. At the end of the day all ABS has to do is detect that a wheel isn't turning and do something about it. With the possible exception of Ford's godawful mechanical ABS I can't see how different size/shape/weight wheels will affect ABS.

I do accept the point about "fart cannon" echausts however, but apart from that if they aren't causing a nusiance or driving dangerously then leave them be, I say. I'd rather they spent their money on their cars than on heroin or knives.[/quote]

Some of the mods can make a BIG and dangerous difference. As the wheel & tyre diameter goes up, so does the torque it can exert on the brake disc. Imagine putting a tractor rear wheel (as an extreme example) on the hub. You'd probably be able to turn it with your hand whilst someone stood on the brake pedal! OK, I'm exaggerating to make a point but upping the rolling diameter of the wheel can leave some of the more extreme "Maxxers" in a situation where the car is struggling to lock its wheels on a dry road!

As for grip, maybe / maybe not. Typically, as they lower their trusty steeds, the cambers go more negative at each corner. At the same time, going to much lower profile tyres makes them very stiff in the sidewall indeed so tha tthey are really only running on their inside edges. They could even end up with LESS rubber on the road if they really cocked things up properly!

I agree that they probably won't have stability control...

...yet. But more and more cars are starting to appear with it and these will one day filter down to this end of the market!

I wouldn't like to say what the effects on ABS might be but I wouldn't have thought it would be wise to change the moment of inertia of the wheel & tyre significantly. I don't know this for a fact but I could see how the original manufacturer might have optimised the wheel lock frequency for a particular setup and changing one part of it might set up a resonance with (say) suspension bushes whereby you end up with wheels hopping violently backwards and forwards in the arches as they lock up!

I do feel sorry for these lads. When I first learned to drive, I could buy "CCC" in any newsagent and go and try things on (looking back) very simple machines with very low limits. Nowadays, these poor sods are lucky to so much as fit a set of seat covers and still get insurance! As has been said, their wacky styling and "ICE" isn't my cup of tea but I have to admire the skill that goes into making some of the better ones!


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PostPosted: Sun Jul 02, 2006 22:44 
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That's a good point, one insurance company I was with refused to cover me if I put better brakes on. :x


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PostPosted: Mon Jul 03, 2006 10:34 
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Just struck me that my car is actually quite "modified" :lol:


Just off the top of my head I have 18" alloys instead of 16", but obviously with lower profile tyres which are also wider than stock.

The suspension is 40mm lower on stiffer springs and it has Koni shocks on it.

The Ford brakes have been in the bin for ages because aftermarket drilled and grooved discs and pads work out cheaper and are significantly better at stopping the car.

There's a short shifter gear stick fitted too to reduce the massive movements of the gear stick you get with the Ford MTX75 gearbox :roll:

There are a few cosmetic mods around too, such as binning Ford's orange side repeaters with clear ones etc... All small details rather than big body kits etc.


To be honest I've never thought of my car as being modified before, I was just replacing crap parts with better ones often at a lower price, or improving aspects I thought were less than ideal.

With regards to insurance - I've declared the mods which are visually obvious, such as the alloys but I haven't bothered with the subtle stuff because no insurance assessor will ever spot most of it without a bog standard Cougar sat next to it to compare it against and it's just an excuse for them to load my premiums.


I do enjoy a chuckle at mods which don't add any "value" to the car though (by value I mean some sort of tangeable improvement rather than monetary value). I do have some good friends in my owners club who have some rather extreme modifications. They're all done to a very high standard of workmanship but they attract far too much unwanted attention for me

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PostPosted: Mon Jul 03, 2006 10:53 
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jamie_duff wrote:

I do enjoy a chuckle at mods which don't add any "value" to the car though (by value I mean some sort of tangeable improvement rather than monetary value).


i cant help but laugh at them especially when its something like a corsa with big alloys, lexus tail lights and black bumpers which show off immediately that its a 1 or 1.2 litre. i have even seem some with the 1.2 badge on the back :lol:

to be honest, i want to upgrade to the 2.5 V6 galant (the VR4 is around 17mpg which would cripple me) and i do want to upgrade the suspension, brakes and wheels. the exhaust will go too not so much for the 3-4 extra BHP but more for the longevity of stainless steel. i hate standard exhausts purely for the fact that they develop holes

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PostPosted: Mon Jul 03, 2006 11:05 
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scanny77 wrote:
the exhaust will go too not so much for the 3-4 extra BHP but more for the longevity of stainless steel. i hate standard exhausts purely for the fact that they develop holes


Indeed!! Ironic really that the standard Ford exhaust for my car is supposed to be something like £700 (one piece thing from the cat back with 3 boxes on it going in and out the dusty bluebells) whereas a stainless steel exhaust with a subtle tailpipe on each side will set me back £275 whilst adding a bit of subtle symmetry to the back of the car :lol:

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PostPosted: Mon Jul 03, 2006 11:17 
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are you sure you want to go down that route Jamie? wouldnt you rather trade your car in for this?

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:lol: :lol: :lol:

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PostPosted: Mon Jul 03, 2006 11:18 
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look closely. it has stripes and 4 exhaust tips. thats gotta make if fast :lol:

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PostPosted: Mon Jul 03, 2006 11:45 
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:lol: :lol: :lol:

We had an 18 page howler of a thread last year on our club forum -

Started off by some guy who'd bolted one of those park bench meccano spoilers to his car.

"Fair enough, each to their own" we thought until he started re-writing the laws of physics and telling us that the spoiler:

1) was the equivalent of adding 50bhp

2) allowed him to leave Ferrari's standing with drivers looking stunned

3) saved fuel by deflecting the drag away from the car

4) increased the Cougar's top speed from 140mph to over 150

5) incited penis envy amongst those of us who didn't have one

etc etc..... It was as beautiful as that thread by the policeman selling the 1.2 Corsa on that VXR forum - the one who claimed folding the back seats down reduced weight etc....

Needless to say he's not shown his face on the club forum since :lol: :lol: :lol:

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PostPosted: Mon Jul 03, 2006 12:05 
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being serious, i do quite fancy the idea of a twin exit exhaust but a single each side rather than a double. they may work on beemers but i prefer something a little more subtle

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PostPosted: Mon Jul 03, 2006 13:06 
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Lum wrote:
Insurance is stupidly high for any vaguely interesting cars. When I was 24 I was paying £2200 on my Legacy with 3 years no claims (would have been £4400 if I'd insured it at my Liverpool address), I'm now only paying £1000 (with more no claims, of course)

I had the renewal come through for my Porsche 930 (911 Turbo to the unitiated :lol: ) this morning - £143.58 including all the tax etc... About the only advantage of being an old git! :twisted:

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PostPosted: Mon Jul 03, 2006 13:17 
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pogo wrote:
Lum wrote:
Insurance is stupidly high for any vaguely interesting cars. When I was 24 I was paying £2200 on my Legacy with 3 years no claims (would have been £4400 if I'd insured it at my Liverpool address), I'm now only paying £1000 (with more no claims, of course)

I had the renewal come through for my Porsche 930 (911 Turbo to the unitiated :lol: ) this morning - £143.58 including all the tax etc... About the only advantage of being an old git! :twisted:


You lucky so-in-so :lol:

Mine's not too bad these days (it's all relative though isn't it!) 25yrs old and 3yrs NCB (2nd car :roll: ) for £460. The Rover has 4yrs NCB and costs about the same because I have a 20yr old female driving it too.....

My most expensive policy was £996 when I picked the Rover up on my 21st birthday. It was also, incidently my first policy. Prior to that I'd been a named driver.

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PostPosted: Mon Jul 03, 2006 13:27 
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Lum wrote:
That's a good point, one insurance company I was with refused to cover me if I put better brakes on. :x

But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.

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PostPosted: Mon Jul 03, 2006 13:31 
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PeterE wrote:
Lum wrote:
That's a good point, one insurance company I was with refused to cover me if I put better brakes on. :x

But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.


Yes, but there's also the gouge opportunity. There are two main factors in premium setting:

1) A straight calculation of risk
2) An assessment of what the market will stand

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PostPosted: Mon Jul 03, 2006 13:32 
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PeterE wrote:
But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.


That's probably a perfectly reasonable statement, and I probably do fall into that same category :shock:

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PostPosted: Mon Jul 03, 2006 13:37 
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SafeSpeed wrote:
PeterE wrote:
But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.

Yes, but there's also the gouge opportunity. There are two main factors in premium setting:

1) A straight calculation of risk
2) An assessment of what the market will stand

Indeed, but on the other hand there's a common example of how it works the other way. An experienced male driver with a good record will often get a premium reduction if he adds a female as a named driver, even if she has far less driving experience, on the grounds that men in stable relationships tend to be better risks than those who are single.

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PostPosted: Mon Jul 03, 2006 13:47 
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PeterE wrote:
SafeSpeed wrote:
PeterE wrote:
But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.

Yes, but there's also the gouge opportunity. There are two main factors in premium setting:

1) A straight calculation of risk
2) An assessment of what the market will stand

Indeed, but on the other hand there's a common example of how it works the other way. An experienced male driver with a good record will often get a premium reduction if he adds a female as a named driver, even if she has far less driving experience, on the grounds that men in stable relationships tend to be better risks than those who are single.



I hear of that all the time my missus added to my policies puts them through the roof - hence why she's not insured on the Cougar.

Will be interesting to see if things change when she turns 21 :roll:

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PostPosted: Mon Jul 03, 2006 13:57 
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PeterE wrote:
SafeSpeed wrote:
PeterE wrote:
But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.

Yes, but there's also the gouge opportunity. There are two main factors in premium setting:

1) A straight calculation of risk
2) An assessment of what the market will stand

Indeed, but on the other hand there's a common example of how it works the other way. An experienced male driver with a good record will often get a premium reduction if he adds a female as a named driver, even if she has far less driving experience, on the grounds that men in stable relationships tend to be better risks than those who are single.


That's a straight calculation of risk and nothing to do with my point.

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PostPosted: Mon Jul 03, 2006 14:10 
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pogo wrote:
I had the renewal come through for my Porsche 930 (911 Turbo to the unitiated :lol: ) this morning - £143.58 including all the tax etc... About the only advantage of being an old git! :twisted:


I thought I was doing well. The Chimaera is now 10 years old and qualifies for a classic policy, so I've changed co. and gone from £710 down to £425. with an XS reduction as well.

Edit: forgot to mention it's modified. :twisted:
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PostPosted: Mon Jul 03, 2006 15:07 
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SafeSpeed wrote:
PeterE wrote:
SafeSpeed wrote:
PeterE wrote:
But the reason for that is not that better brakes increase your individual risk, but that, on average the people who modify cars have historically proved to be a worse risk than the people who don't.

Yes, but there's also the gouge opportunity. There are two main factors in premium setting:

1) A straight calculation of risk
2) An assessment of what the market will stand

Indeed, but on the other hand there's a common example of how it works the other way. An experienced male driver with a good record will often get a premium reduction if he adds a female as a named driver, even if she has far less driving experience, on the grounds that men in stable relationships tend to be better risks than those who are single.


That's a straight calculation of risk and nothing to do with my point.

Which is that people who modify cars must have loads of disposable income they are willing to part with for their motors, so therefore they will be willing to pay up more for their insurance, regardless of risk factor, yes?

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