Car photos/discussion thread

[MrKambo]

Any idea if an insurer would charge more for modifications during a policy as opposed to declaring them at the start?

Nah not likly, but you will get the admin cost of amending the policy, my insurance charged me £35 admin fee when i changed few bits on mine

 

[jimma47]

Any idea if an insurer would charge more for modifications during a policy as opposed to declaring them at the start?

Depends on the mod. They'd refuse to pay out if they weren't advised. Regardless of whether it contributed to the accident.

They could up the premiums or refuse to insure so give them a call first.

 

[SPS]

Nah not likly, but you will get the admin cost of amending the policy, my insurance charged me £35 admin fee when i changed few bits on mine

Ah ok cool. Is it worth adding 'mods' on a standard policy, or are there mod-friendly ones?

Depends on the mod. They'd refuse to pay out if they weren't advised. Regardless of whether it contributed to the accident.

They could up the premiums or refuse to insure so give them a call first.

Nah I didn't mean not declaring them, just meant is it better to wait until a new policy to add 'mods', i.e. would they charge more knowing that I'm in the middle of a policy rather than looking for a new one, Kambo knows what I mean.

 

[jimma47]

Ah ok cool. Is it worth adding 'mods' on a standard policy, are there mod-friendly ones?



Nah I didn't mean not declaring them, just meant is it better to wait until a new policy to add 'mods', i.e. would they charge more knowing that I'm in the middle of a policy rather than looking for a new one, Kambo knows what I mean.

Ahh cool yep no worries

 

[MrKambo]

Ah ok cool. Is it worth adding 'mods' on a standard policy, are there mod-friendly ones?.

Depends on the mod dude, if its window tints or a stainless exhaust then no most companies will cover it, but if you done more im talking chassis alterations or bodywork stuff i would switch to a specialist insurance purely because most 'normal' companies will give you hassle.

 

[SPS]

Depends on the mod dude, if its window tints or a stainless exhaust then no most companies will cover it, but if you done more im talking chassis alterations or bodywork stuff i would switch to a specialist insurance purely because most 'normal' companies will give you hassle.

The extent of possible mods:

Alloys swap
Headlight swap
Exhaust system (not headers)
Trimming (Grilles, etc).

They all reasonable enough in your opinion?

 

[MrKambo]

The extent of possible mods:

Alloys swap
Headlight swap
Exhaust system (not headers)
Trimming (Grilles, etc).

They all reasonable enough in your opinion?

Yeah man they're fine i wouldn't consider them major mods, who iss your insurance with atm?

 

[SPS]

Yeah man they're fine i wouldn't consider them major mods, who iss your insurance with atm?

Elephant

 

[MrKambo]

Elephant

Ahh you should be fine, dont see them kicking up a fuss at all, Direct Line and Tesco seem to main culprits

 

[SPS]

Ahh you should be fine, dont see them kicking up a fuss at all, Direct Line and Tesco seem to main culprits

Ah ok cool. Do you know if declaring painted stock alloys is required, how do you know where to draw the line, do you just ring up to be sure?

 

[MrKambo]

Ah ok cool. Do you know if declaring painted stock alloys is required, how do you know where to draw the line, do you just ring up to be sure?

The rule of thumb is, if its not to the spec of your car as it came out the factory, it needs to be declared, me personally, i declare everything, because insurance companies will try everything in their power to make sure they don't pay out. Even if you put M3 wheels on a 330Ci they'll claim its not as standard, so to be safe id just tell them you have non OEM alloys are they're painted whatever colour.

 

[SPS]

The rule of thumb is, if its not to the spec of your car as it came out the factory, it needs to be declared, me personally, i declare everything, because insurance companies will try everything in their power to make sure they don't pay out. Even if you put M3 wheels on a 330Ci they'll claim its not as standard, so to be safe id just tell them you have non OEM alloys are they're painted whatever colour.

Ok that's what I thought, thanks for the advice as always!

 

[MrKambo]

Ok that's what I thought, thanks for the advice as always!

No worries happy to help

 

[dalewakelin]

Kambo, a photographer from my area justed posted these, do you know the owner? Seen a mitsubishi galant with a similar bonnet on your page about a year ago. It looks mint

 

[MrKambo]

Kambo, a photographer from my area justed posted these, do you know the owner? Seen a mitsubishi galant with a similar bonnet on your page about a year ago. It looks mint

Yeah that's my best mates car, could you put me in touch with the photographer i'd like the high res version to pass on to him. The purple 200 next to it, is my other mates and im pretty sure near them should be a bright yellow R34 Skyline thats also my mates

Also its a Mitsubishi Legnum, the Galant is the saloon

 

[dalewakelin]

Yeah that's my best mates car, could you put me in touch with the photographer i'd like the high res version to pass on to him. The purple 200 next to it, is my other mates and im pretty sure near them should be a bright yellow R34 Skyline thats also my mates

Also its a Mitsubishi Legnum, the Galant is the saloon

I tagged you in the photo on Facebook, and I did not know that until now thanks

 

[SPS]

Yeah that's my best mates car, could you put me in touch with the photographer i'd like the high res version to pass on to him. The purple 200 next to it, is my other mates and im pretty sure near them should be a bright yellow R34 Skyline thats also my mates

Also its a Mitsubishi Legnum, the Galant is the saloon

Roughly how much have they spent doing that? Looks expensive lol.

 

[MrKambo]

I tagged you in the photo on Facebook, and I did not know that until now thanks

Cheers dude, i've messaged them

Roughly how much have they spent doing that? Looks expensive lol.

The bonnet modification alone was 3K, the front bumper is a 2 different bumpers molded and extended into 1, think he paid 2K for that, yeah so the list goes on

Its expensive in general terms, but not too bad considering the amount of man hours and stuff put into this, he's done so much more, hell ive done alot to this car you can't even see, alot of electrical work has been done, if you know jap cars then you know how poor the wiring is.

 

[SPS]

The bonnet modification alone was 3K, the front bumper is a 2 different bumpers molded and extended into 1, think he paid 2K for that, yeah so the list goes on

Its expensive in general terms, but not too bad considering the amount of man hours and stuff put into this, he's done so much more, hell ive done alot to this car you can't even see, alot of electrical work has been done, if you know jap cars then you know how poor the wiring is.

How long has it been in development?

 

[MrKambo]

How long has it been in development?

about 3 years give or take, i can also assure you its not even close to being finished yet, we've discussed so much more that needs doing, but time constraints as always