Hi Ho

[martinm]

Hey guys, bought myself a nice little fiesta Si 90bhp was wondering what can i do to give it that little something extra without spending shedloads on it.

[FFCBadger]

I have to say, having looked around at a few options saving your money and getting it chipped will make the most difference. Exhausts are probably next...

[martinm]

The only think that is concerning me is the insurance, do the engine mods effect it, i am new to the driving game so don't really know that much, can you recommend anywhere to get the chip form?

[FFCBadger]

The web is a great place to start, try angeltuning.co.uk

Some companies that do remapping advise that their chips are untraceable...

What we really need is an insurance guide that explains what is acceptable........

[martinm]

that's cool, cheers for the advice

[waynne]

Just posted an Insurance guide - hope it helps out. (I spent 10 years as an insurance broker so I have a fair idea what it's all about. - Another torquecars exlusive!!!!)

http://chat.torquecars.co.uk/phpBB2/viewtopic.php?t=259

[Isamu]

Hello and welcome I thnk I could help you a friend of mine has got a simalar fiesta to you and I will ask him what engine mods he as done.

[martinm]

Yeah if you wouldn't mind fella, much apprecciated

[Xero]

Just read your insurance guide and I disagree with the part in which you said that Norwich Union is an 'Insurance Friendly' insurer.
Reason being I used to drive a Saxo VTS, I bought it completely stock and insured it. After about 6 months I then put on an aftermarket stainless steel backbox (because my old one rusted through). I then gave Norwich Union a call and they told me that they will only cover a maximum of 2 modifications at an extra 10% of the premium per mod!

This meant I had to pay around an extra £100 just for sticking on a stainless steel backbox which made hardly any difference to performance.

Daylight robbery I tell you!

Anyway that's my 2 cents!

-Xero.

[waynne]

Xero - your comments are noted thank you for updating us.

Did you insure with Norwich Union Direct or go through a broker. I find that my local broker can swing most things with Norwich Union but when I went direct they didn't want to insure me so I stuck with the local broker.

[Freddie]

I've been hunting for insurance quotes this morning..

I'm 19, own an almost standard VTR (Group 7), with 1 years no claims and no confictions or accidents. I'm looking for fully comp insurance and estimate my vehicle to be worth in the region of £3000

Norwich Union wont touch me as I'm under 21, neither will Tesco's and I'd imagine a few more!

Flux were under £2000, but not the cheapest.. Quinn-Direct quoted me £1309 online, but this might change once I ring up and declare my S/S Backbox.. Does this sound like a reasonable price?

I'm unsure whether or not to say under my parent's name untill I'm over 21, as 'we' can get insured by CIS for around £600.

I'm also quite interested to find out why some insurers have asked me about being a member of a car club and going to car events? I replied yes, being honest, but not sure how this would affect my quotation!

Come-on Wayne, I'm sure you are the man with the answers!

[waynne]

I'll depress you Freddie - The premium you pay will never change! I paid about £400 for my first car insurance and i'm still paying £400 now although now I have an Audi 1.8T Fully Comprehensive with protected NCB!! As your insurance gets lower you will go for a better/faster car - that life.

Absolutely get your own policy. Building up your own NCB is the best way to get cheaper insurance - speak to a broker some offer an 8 month policy that gives a full years NCB at the end ie 30% off! (Some insurers do this to make you stay with them so ask if you will be able to move it at the end.)

Limited milage and cheese wire (to get a female discount) are worth considering! Also get a quote for comprehensive with a £500 excess - this may only be a 'few quid more' and give windscreen cover. SPEAK TO A LOCAL BROKER!