Register Login
Shop4Parts - UK's largest online superstore for FIAT and Alfa Romeo parts
Reply
 
Thread Tools
Old 25-10-2011   #1
Join Date: Dec 2010
Location: Southampton
Posts: 393
Thanks: 20
Trader Rating: 0
martwho has donated!
United Kingdom 
T-Jet owner punished for springs.

So i'm 38 have got 3 points in may11 and my wife has 3 points from Nov 2006. We were paying a smidge over 400 for fully comp on an 08 T-jet.
Bought the car in Nov last year and insured it with Churchill. Halve way through the years insurance I tinted the rear 3 which Churchill were'nt too bothered by but then shortly after i replaced the springs for Eibach sportlines.
They immediately jacked my monthly from 40 ish to almost 80!
So just had my renewal and now they want 1050!
A 600 hike for a 150 set of springs baffles me

Anyway i almost took the springs off to lower the price again but too be honest I cant go back to the cavernous wheel arches the Punto normally has so have insured myself with Adrian Flux for 550 with 3 years ncd.( no accidents in the last 5 but was too lazy to send off ncd proof to previous insurer, wont be doing that again)

I'm guessing most of the Go karts around my way scraping the floor are not declared as their insurance would be astronomical!
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

martwho is offline Reply With Quote Quote 
Old 25-10-2011   #2
Join Date: Oct 2007
Posts: 64
Thanks: 3
Trader Rating: 0
United Kingdom 
Re: T-Jet owner punished for springs.

You've insured with a company who only really cater for standard UK car insurance , for anything modified speak to a specialist insurer.
__________________
We have a new Blog up and running, it is designed for our car enthusiast customers, link below, please check it out!

http://www.skyinsurance.co.uk/blog/
skyinsurance is offline Reply With Quote Quote 
Old 26-10-2011   #3
Speed Reader of the Year!
 
Most Easterly Pandas's Avatar
Join Date: Aug 2007
Posts: 39,312
Thanks: 1231
Trader Rating: 2
Most Easterly Pandas has donated!
United Kingdom 
Re: T-Jet owner punished for springs.

Quote Originally Posted by skyinsurance View Post
You've insured with a company who only really cater for standard UK car insurance , for anything modified speak to a specialist insurer.


Different companies charge different prices for different things, so may be cheap when taking the policy out but might not like covering lowered cars etc.
__________________
Most Easterly Panda's - Panda'ing in East Anglia
Stockest of mk2 Panda Parts, PM for any parts requests
1993 Classic Panda Selecta, 1989 Panda 750L,
2015 Kia Soul EV, 2009 Panda Eleganza & 2005 Panda Climbing 4x4 (LPG)
Most Easterly Pandas is offline Reply With Quote Quote 
Old 26-10-2011   #4
Join Date: Oct 2011
Location: Bristol
Posts: 202
Thanks: 1
Trader Rating: 0
United Kingdom 
Re: T-Jet owner punished for springs.

Whilst from a driver's point of view aftermarket, non standard springs may improve roadholding and potentially make the car's handling safer look at it from an insurer's point of view-

Q.Why has he fitted lowered/stiffer suspension?

A. Because he wants to go round corners faster so when he does lose it it on a bend he'll be going faster than he would have been with standard suspension so will therefore cause more damage, lets charge him extra
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Gaz37 is offline Reply With Quote Quote 
Old 26-10-2011   #5
Speed Reader of the Year!
 
Most Easterly Pandas's Avatar
Join Date: Aug 2007
Posts: 39,312
Thanks: 1231
Trader Rating: 2
Most Easterly Pandas has donated!
United Kingdom 
Re: T-Jet owner punished for springs.

Quote Originally Posted by Gaz37 View Post
Whilst from a driver's point of view aftermarket, non standard springs may improve roadholding and potentially make the car's handling safer look at it from an insurer's point of view-

Q.Why has he fitted lowered/stiffer suspension?

A. Because he wants to go round corners faster so when he does lose it it on a bend he'll be going faster than he would have been with standard suspension so will therefore cause more damage, lets charge him extra
Changes the cars crash signature also!
__________________
Most Easterly Panda's - Panda'ing in East Anglia
Stockest of mk2 Panda Parts, PM for any parts requests
1993 Classic Panda Selecta, 1989 Panda 750L,
2015 Kia Soul EV, 2009 Panda Eleganza & 2005 Panda Climbing 4x4 (LPG)

Last edited by Most Easterly Pandas; 26-10-2011 at 15:53.
Most Easterly Pandas is offline Reply With Quote Quote 
Old 26-10-2011   #6
BRUM!!
 
maddogmorg's Avatar
Join Date: Feb 2006
Posts: 2,771
Thanks: 48
Trader Rating: 0
maddogmorg has donated!
Bolivia 
Re: T-Jet owner punished for springs.

Quote Originally Posted by Most Easterly Pandas View Post
Changes the cars crash signature also!
My car has a very flamboyant crash signature.

PS. What does crash signature actually mean? I assume it isn't just as simple as the marks left on an object due to impact?
__________________
________
(________)
/...................\
( )..{║║║║}..( )
|\========/|

Last edited by maddogmorg; 26-10-2011 at 16:24.
maddogmorg is offline Reply With Quote Quote 
Old 26-10-2011   #7
thats Jip Zero
 
jip0's Avatar
Join Date: Nov 2009
Location: Harwich
Posts: 5,419
Thanks: 136
Trader Rating: 0
jip0 has donated!
Shape Shooter Champion
United Kingdom 
Re: T-Jet owner punished for springs.

the car shaped hole in whatever you hit
Thanks maddogmorg thanked for this post
Likes cainy1989, maddogmorg liked this post
__________________
Looking for Mk2 601 nero black front bumper PM me
The Car

Quote Originally Posted by custard View Post
get a pic up,I'll tell if its big
Quote Originally Posted by Kier View Post
I rather like the look of the wood :
jip0 is offline Reply With Quote Quote 
Old 26-10-2011   #8
Join Date: Oct 2011
Location: Bristol
Posts: 202
Thanks: 1
Trader Rating: 0
United Kingdom 
Re: T-Jet owner punished for springs.

Quote Originally Posted by maddogmorg View Post
My car has a very flamboyant crash signature.

PS. What does crash signature actually mean? I assume it isn't just as simple as the marks left on an object due to impact?
I'm guessing it refers to where and how it impacts on whatever it hits.

If the car is sitting 40mm lower than it was designed to at the point of impact it will deform differently?
Thanks maddogmorg thanked for this post
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

Gaz37 is offline Reply With Quote Quote 
Old 26-10-2011   #9
Speed Reader of the Year!
 
Most Easterly Pandas's Avatar
Join Date: Aug 2007
Posts: 39,312
Thanks: 1231
Trader Rating: 2
Most Easterly Pandas has donated!
United Kingdom 
Re: T-Jet owner punished for springs.

Quote Originally Posted by Gaz37 View Post

If the car is sitting 40mm lower than it was designed to at the point of impact it will deform differently?
correct. It's the posh and quicker was of referring to how it behaves in a collision and how it behaviour affects the occupants (how much or little protection it gives them).

Obviously cars all ride at slightly different heights anyway so in head on collisions etc unless hitting an identicle car there are always going to be differences on performance out come but those that ride lower generally come out worse off.
Thanks maddogmorg thanked for this post
__________________
Most Easterly Panda's - Panda'ing in East Anglia
Stockest of mk2 Panda Parts, PM for any parts requests
1993 Classic Panda Selecta, 1989 Panda 750L,
2015 Kia Soul EV, 2009 Panda Eleganza & 2005 Panda Climbing 4x4 (LPG)
Most Easterly Pandas is offline Reply With Quote Quote 
Old 26-10-2011   #10
BRUM!!
 
maddogmorg's Avatar
Join Date: Feb 2006
Posts: 2,771
Thanks: 48
Trader Rating: 0
maddogmorg has donated!
Bolivia 
Re: T-Jet owner punished for springs.

So it is just as simple as that then. Thanks.
__________________
________
(________)
/...................\
( )..{║║║║}..( )
|\========/|
maddogmorg is offline Reply With Quote Quote 
Old 30-10-2011   #11
West Wallaby Street
 
sledge's Avatar
Join Date: Oct 2006
Location: Megawatt alley
Posts: 1,667
Thanks: 122
Trader Rating: 0
sledge has donated!
United Kingdom 
Re: T-Jet owner punished for springs.

Absolutely nothing to do with safety or crash dynamics, the answer is far simpler

Insurance companies work off statistics as we all know and statistically owners who carry out modifications make more claims than those who dont, therefore you carry out a mod and you will be perceived as being of a higher risk than someone who doesnt. Modified cars are also more difficult to value in the event of total loss. Upshot of all this is that your premium will be loaded accordingly.
__________________
FIAT Forum Useful Links:
Donate to FF | Buy FF Merchandise | Classifieds | FF Insurance | How-to Guides

sledge 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
Punished for Driving well and having a weak cc engine! Reaper Insurance 72 21-10-2011 10:48
New T-jet owner GBrooks91 Newbie Central 7 07-07-2011 20:52
New t jet owner andybirkett Newbie Central 0 23-06-2011 08:27
(G) New T-Jet Owner!! porcupineprince Grande Punto 6 05-03-2010 12:16
(S) Coilovers or springs for GP M-Jet Robert1031 Grande Punto 34 27-04-2009 18:35