engine referb?

[chrishill 0]

ok, after planning lowering and 17's, then talking with my insurance company, i've had to change my plans.

 

I think 'money well spent' would be getting the engine overhauled, basically a good cleaning out inside and all the niggly little bits (5th injector/ISV problems?) sorted out.

 

Thing is i have no idea how much something like that would cost, if it'd do much good, and what sort of things i should be asking to be done!

 

any advice??

 

oh and i cant do ANYTHING that would up the power :( so no pullys, cams, porting, gas flowing or anything else even a bit fun.

[stevemac 0]

What model is it Chris ??

 

Sounds like you need to change insurance companies too !!

[chrishill 0]

its a 1990 1.8 16v.

 

apparently any modifications i do carry a surcharge of 40% of the premium, as as mines £1250 TPFT already, they wanted £400 for alloys and lowering! i paid a lump sum for the cover so i'll have to wait for next year now :( still they cant argue with a bit of cleaning to the engine!

[Rpmayne 0]

How are they gonna find out? Unless you have a very expensive claim I can't see them taking your engine apart to see whether the cams are different or surfaces are abit smoother than they should be. An induction kit might be abit obvious though.

[dr_mat 0]

That is an obscenely restrictive policy, chrishill. Who's it with? Why so pricey? How old are ya?

[chrishill 0]

24, 1 years no claims and wrote my last car off 6 months ago (protected no claims on last policy) only been driving for 3 years....it was a bit extra because i got them to add an exhaust to the policy when i took it out as i knew it'd need replacing

[dr_mat 0]

Ouch, that still seems like a lot for tpft..

But as you say, you've paid now, so make some savings this year and wait till renewal time! :)

[big_mac 0]

Im with admiral, paying £930 a year, on a 1.8 G60, im only 23 with 4 yrs NCD

[RACK 0]

That's well high! I'm with performance direct and it's £1050 with my mods TPFT. I'm 23 with 4 years NCB

[chrishill 0]

4 years no claims is 60% discount though isnt it?

[dr_mat 0]

Yup. I'm interested to know how you had a protected NCD on a tpft policy with only 1yr no claims, by the way..

[chrishill 0]

bit of a complex one :D

 

My first car was a nissan micra (the shame! :oops:) and i got one years free insurance, which left me with 1yr NCD. I sold that after a year and bought an astra SXI again with a years free insurance. I crashed the astra after owning it for around 11 months :( but becuase i was on a free policy, the claim i made didnt effect my previous NCD. So it wasnt protected in the normal sense of the term, it was just easier to explain it that way!

[Bally 0]

your insurance seems to steep, I've just renewed myn, I'm 26, 4years NCB protected, all mods declared so far, mrs as named driver, fully comp I pay just over £500 :D no security reqd either 8) although I do have some....

 

Forgot to mention I've got 6 points..

 

3points for speeding

 

3 points for jumping traffic lights, which are coming of end of the year :wink:

[RACK 0]

Granted I have 4yrs NCB, but when I first got it I was just 20 and only had 2yrs NCB and still then it was only £1250 (only :lol: ). Just thought your's was a bit steep. If you need the number for my company just to see what they would qoute you, I'll post it on.

[stevemac 0]

Although I'm a little older than you (34), my insurance is £847.50 fully comp.

 

9 points (6 for driving without due care & attention ! ), 2 yrs no-claims & my policy even covers me for any mods upto 250bhp !! (including wheels, supension, etc)

[Dboy 0]

Bally, you got a good deal mate. Whos your policy with?

[Bally 0]

Bally, you got a good deal mate. Whos your policy with?

 

Company called Carter & Gilbrook, there a broker based down the road in Rainham Essex, was with them last year, just stayed with them as they've been good so far :wink:

[chrishill 0]

but what about my referb? :lol:

[RACK 0]

Chrishill, as long as your not altering the original engine spec, I wouldn't worry about the insurance, and I'd get the head polished while your doing it, unless the company strip the engine they won't know, and even with just a polished head they'd be hard pushed to tell.

 

P.S. Stevemac, who you insured with??, that 250bhp policy sounds good

[stevemac 0]

P.S. Stevemac, who you insured with??, that 250bhp policy sounds good

 

Chris Knott - via CCGB

[PhatVR6 0]

I can't believe anyone actually pays extra on therie insurance because of an air filter or an exhaust. what a load of sh1t. I wouldn't dream of giving companies like that my cash.

[G-Lader 0]

stevemac - seems a bit of a bargain that insurance,have to join the club before I renew in Feb04........paying about £750 fully comp with full ncd un-protected .........

 

Ive got a Croydon postcode though..........must bump it up a bit I suspect?

[stevemac 0]

harry1000 - the closest any other insurance company could get was £300 more expensive !! I even had 1 quote for £1700. :lol:

[dtjames 0]

http://www.elephant.co.uk

 

I am 31, 3 yrs no claim, '95 VR6...wait for it....

 

£620 fully comprehensive.

 

I thought it was good value.

 

:)

[ben16v 0]

adrian flux_ i`m 25 3yr no claims(just about) under £600 fully comp..