Register Login
FIAT Auto Specialist Team
Reply
 
Thread Tools
Old 03-08-2007   #1
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by brett View Post
How did you afford to insure the thing at 18 :O if you dont mind me asking, i love RS turbos there the must have car of the early 90's for me.
dad's insured on it for 200 and odd and i can drive any car
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 03-08-2007   #2
Join Date: Aug 2003
Location: Essex/Suffolk border
Posts: 82,433
Thanks: 1458
Trader Rating: 10
dave has donated!
dave is an official FF Advertiser
dave is an honorary friend of the forum :)
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by Alex-R View Post
and i can drive any car
how? most insurance say in small print you have to be over 21 or 25 to drive other cars on your policy
__________________
dave is offline Reply With Quote Quote 
Old 03-08-2007   #3
Drives A Red Cinq Abarth
 
CinqyAbarth's Avatar
Join Date: Apr 2004
Location: Brighton
Posts: 1,482
Thanks: 1
Trader Rating: 0
CinqyAbarth has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by dave View Post
how? most insurance say in small print you have to be over 21 or 25 to drive other cars on your policy
this is true, i tried this with my insurance, as my mum and dad could insure my golf cabby for £200 and i could insure my old cinq abarth but when i said to insurance co, if my mum and dad insure the golf, i insure the cinq FC then i can drive the golf, no? they said you have to be 21 to do that..

id check if i were you or if you crash this (very possible as an unexperienced driver in an RS) then you could be looking at a heavy fine/invalidated insurance/points/maybe even jail?

I know my friend forgot to renew his insurance on his 1.4 civic s***ter, got pulled over 2 days after it elapsed, tax ran out that day, he got 6points (license taken away) £250 fine, and might have to go to court over it.. so if you are 'uninsured' on this then you could be looking at similar..

Craig
__________________
Sold Cinq Abarth Bought VanAakens Development Cinq Turbo
Quote Originally Posted by blu73 View Post
That is easy one of the best looking cinqs on the forum, its immaculate.
Quote Originally Posted by MiG View Post
Oh my, didn't think you'd ever sell the cinq The best i've ever seen, by far.
Daily Driver: Helios Blue 89' VW Jetta Mk2: Coilovers and Ronal Turbo Alloys

Last edited by CinqyAbarth; 03-08-2007 at 13:41.
CinqyAbarth is offline Reply With Quote Quote 
Old 03-08-2007   #4
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by CinqyAbarth View Post
this is true, i tried this with my insurance, as my mum and dad could insure my golf cabby for 200 and i could insure my old cinq abarth but when i said to insurance co, if my mum and dad insure the golf, i insure the cinq FC then i can drive the golf, no? they said you have to be 21 to do that..

id check if i were you or if you crash this (very possible as an unexperienced driver in an RS) then you could be looking at a heavy fine/invalidated insurance/points/maybe even jail?

I know my friend forgot to renew his insurance on his 1.4 civic s***ter, got pulled over 2 days after it elapsed, tax ran out that day, he got 6points (license taken away) 250 fine, and might have to go to court over it.. so if you are 'uninsured' on this then you could be looking at similar..

Craig
dont need to check, it's on the policy certificate, i made a thread on this and scanned in the cert.
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 03-08-2007   #5
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 03-08-2007   #6
Join Date: Aug 2003
Location: Essex/Suffolk border
Posts: 82,433
Thanks: 1458
Trader Rating: 10
dave has donated!
dave is an official FF Advertiser
dave is an honorary friend of the forum :)
United Kingdom 
Re: The RS Turbo

subject to turms of policy, that means look in the policy in there it will say it excludes you
__________________
dave is offline Reply With Quote Quote 
Old 06-08-2007   #7
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by dave View Post
subject to turms of policy, that means look in the policy in there it will say it excludes you
it doesnt thought, obviously checked all that before hand
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 06-08-2007   #8
Join Date: Jul 2004
Location: Watford
Posts: 7,329
Thanks: 238
Trader Rating: 0
Chas Uno has donated!
Air Dodge Champion, Asteroids2000 Champion, Frogger Champion
United Kingdom 
Re: The RS Turbo

Don't forget that if it is insured in your dad's name with you as a named driver then your dad MUST be the main driver of the car, which going by the previous posts is not the case. If his insurance company find out that you are in fact the main driver then they can invalidate the insurance if a claim were to be made if you have an accident.

If you are driving the car under another policy (additional cars cover for driving a vehicle not belonging to you and not covered by another insurance policy) then you will ONLY HAVE THIRD PARTY COVER. You crash, then you you will not be able to claim anything for 'your' car.

S1 RS Turbos were pushing out somewhere between 130 - 150bhp (depending on how much phallic extension is needed down the pub ) S2 RS Turbos were detuned and softened overall as the S1's weren't renowned for their reliability nor finesse. Doubt very much yours is pushing 220bhp unless serious and expensive modifications have been carried out. Plus 220bhp in a cabriolet will cause shell flex like nothing else.

Put it this way, the Sierra Cossie was only just over 200bhp as standard (same era as the 'Scort) and that had a 2.0 litre 16v engine compared with a 1.6 litre 8v. There were similar power figures for the original Delta Integrale and Audi Quattro with similar sized 2 litre (ish) engines. Besides, 220bhp in a front driver will produce little more than wheel spin if you attempt to use it so what is more important is what the timing ticket says at the 1/4 mile strip or racetrack lap time rather than how much power the engine allegedly produces.

Have fun, but make sure you don't drive with dodgy insurance and be careful with a turbo at 18. You can get into serious trouble in a car like that as they can still catch out much more experienced drivers. Please don't drive it like those idiots drove their BMWs and Merc in the 'clunk click' posting Jug posted here recently...
__________________

Quote Originally Posted by Trinity View Post
we got a lot 126 here in Egypt .. a funny car and fun to drive though sometimes i feel like I am sitting on a chair in the middle of the street
http://onastick.net/drew/sinistar/
Chas Uno is offline Reply With Quote Quote 
Old 06-08-2007   #9
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

thanks for that, i'm driving it under my policy, and yeh i know its only third party which is fine i too doubt it's running anything near 200bhp but what would i know i'm 18 and have only driven a punto on the road for a year.

either way it's insanely fast to me, left quite an impressive gap between the a new golf GT on saturday accelerating from motorway speed
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 06-08-2007   #10
Telford's Own...
 
Ffoxy's Avatar
Join Date: Apr 2007
Posts: 9,824
Thanks: 373
Trader Rating: 0
Ffoxy has donated!
United Kingdom 
Re: The RS Turbo

Hav to say I would be seriously stressed if it was my young 'un with that car on my policy and he being the main driver.... plus ur not earning your own NCD and saving up massive payments for when things should be just getting nice and easier for you dude.

Check the policy, call the broker or company and ask for a letter of clarification when u have told them the facts / truth. Its far better than having personal injury claims hanging round your neck for the rest of your life if there is some clause that gets the insurer out of a full payment for your liability.

Good Luck, have fun.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Ffoxy is offline Reply With Quote Quote 
Old 06-08-2007   #11
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by Ffoxy View Post
Hav to say I would be seriously stressed if it was my young 'un with that car on my policy and he being the main driver.... plus ur not earning your own NCD and saving up massive payments for when things should be just getting nice and easier for you dude.

Check the policy, call the broker or company and ask for a letter of clarification when u have told them the facts / truth. Its far better than having personal injury claims hanging round your neck for the rest of your life if there is some clause that gets the insurer out of a full payment for your liability.

Good Luck, have fun.
i am owning my own NCB though, i have my own policy on my punto which allows me to drive any car i wish lol.

anyway, this isn't an insurance thread but i knew it would turn into one
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 06-08-2007   #12
Telford's Own...
 
Ffoxy's Avatar
Join Date: Apr 2007
Posts: 9,824
Thanks: 373
Trader Rating: 0
Ffoxy has donated!
United Kingdom 
Re: The RS Turbo

Cool by me Alex R sounds like quite some policy u have there for a young 'un!

I too can drive any car, except only my main car is comprehensive, any other car is 3rd party only.

I think people on here are concerned thats all Alex, but ur Dad probably has it sorted for you both so I will butt out.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Ffoxy is offline Reply With Quote Quote 
Old 06-08-2007   #13
Join Date: Jul 2004
Location: Watford
Posts: 7,329
Thanks: 238
Trader Rating: 0
Chas Uno has donated!
Air Dodge Champion, Asteroids2000 Champion, Frogger Champion
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by Alex-R View Post
i am owning my own NCB though, i have my own policy on my punto which allows me to drive any car i wish lol.

anyway, this isn't an insurance thread but i knew it would turn into one
The reason being is you are publicly announcing that you are driving a car that would otherwise be uninsurable for you by using a loophole in your insurance. Try and get a quote for insuring it off your own back and see what happens. I guarantee that you will receive either "No quote" or get telephone number type premiums.

That's because you are male, 18 years old and wanting to drive a turbo charged car. All that makes you at very high risk of being involved in an accident, as is backed up by accident statistics, and reinforces why young drivers are discouraged from driving such vehicles.

Thing is, many young drivers do use loopholes, crash the cars and then make a claim. If the insurance company pays out, who actually foots the bill? It's all the other drivers who pay premiums, that's who. So every time a young driver crashes a car that he technically shouldn't be driving the resulting payout bumps up the premiums for everyone else paying for their own insurance.

I'd like to think you are a very responsible driver and will drive sensibly and respect the fact that you have a turbcharged hot hatch/ cabriolet in your control. However, most 18 year olds do not have that wisdom or experience and WILL get into trouble with that type of car.

Sorry to rain on your parade, but to be honest if you can't afford/ get insurance to drive a car in your own name then you shouldn't be driving it. Only today there was a report on the news about the very high rates of accidents amongst young drivers and why both insurance companies and the Government want to raise the minimum driving age to 18. Put those same young drivers in performance cars and the accident rate goes even higher...
__________________

Quote Originally Posted by Trinity View Post
we got a lot 126 here in Egypt .. a funny car and fun to drive though sometimes i feel like I am sitting on a chair in the middle of the street
http://onastick.net/drew/sinistar/
Chas Uno is offline Reply With Quote Quote 
Old 06-08-2007   #14
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

well yes i see where you're coming from, i am a sensible driver, honestly! the bottom line is i'm insured on it and thats great how many people my ages would turn down driving an RS Turbo in favour of an 8 valve punto? Hmmm..

and i could afford to insure it but i wouldn't pay it because that would be silly plus the fact i dont have too.
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Old 06-08-2007   #15
Join Date: May 2006
Location: Newcastle
Posts: 4,756
Thanks: 18
Trader Rating: 0
x Alex x has donated!
United Kingdom 
Re: The RS Turbo

Quote Originally Posted by Ffoxy View Post
Cool by me Alex R sounds like quite some policy u have there for a young 'un!

I too can drive any car, except only my main car is comprehensive, any other car is 3rd party only.

I think people on here are concerned thats all Alex, but ur Dad probably has it sorted for you both so I will butt out.
yeh it is rather good, and yea i'm sure everyone is concerned and that's fine you don't need to butt out lol, i can't see this debate ending any time soon
__________________
Grande Punto 1.9 Multijet Sporting
x Alex x is offline Reply With Quote Quote 
Reply
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump
Similar Threads
Thread Thread Starter Forum Replies Last Post
Thinking about not declaring your modifications? HP Insurance 59 06-12-2005 18:41
Courtesy Car black_cinq Leisure Lounge 102 16-10-2005 15:29
Insurance thread The Negotiator Leisure Lounge 131 16-08-2005 21:40
Insurance Probs with BMC CDA darkcircuitUK Leisure Lounge 40 02-07-2005 13:43
How insurance works....5 day 'course' The Negotiator Leisure Lounge 22 07-06-2005 08:02