Guest keltik

What have you done to your car today?

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17 hours ago, Conducks said:

 

I'm only paying about 600 a year with my car under mum's name and me as a driver but insurance is against it being modified past a point where it effects the car's driving. I've gotten quotes from a bunch of other companies and it's gonna work out to be about 4-5k a year/$90-$100 a week for full cover, which compared to 600 isn't worth it just so I can have adjusties...

 

 

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hmm so they're fine with exhaust / intake mods but not adjustable suspension? what if you opted for non-adjustable suspension something like uprated shocks / lower springs (wouldn't need cert either)

 

Just now, THUNDA said:

I dont have any insurance on the RS, but after my next lot of mods I definately will be getting it, already got a hefty insurance bill for ute/mrs car/house/serperate insurance for individual expensive building equipment. The RS is now equip with multiple GPS. tracks perferctly even when deep underground - speed/ign on off/exactl locating down to a few meters/constantly logging :P great investment

 

assuming you're over 25 mate, check out classic cover. i'm with them for around 700/year incl. roadside assist with every single little mod declared and covered for an amount i'm happy with. not as cheap as conducks insurance but i'm assuming thats because his mum would be classified as less of a risk

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I forgot what my annual premium for full cover on my STi is; It's not much tbh; think like 130 a month at most.
For an under 25 with a modified car, with it insured to auckland. Car is valued at 23k iirc. so it's okay.
Unlike those of you using your parents for insurance; I started paying my own at 18, so a few years down the track I now have a good record with 
my insurance company, and my premiums drop. also, Clubauto do a defence force discount :D 

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and it won't just be the insurance company.
do they know it's not really your mum's car they are insuring ?
 
all those mods on a new car are likely to tear up the factory warranty too.
 



I'm listed as a driver, and cat back exhaust doesn't effect warranty. Blow off valve is questionable. Otherwise rest is stock


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Fine with the intake and exhaust mods


Haha um mum was calling our broker tomorrow regarding that



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Pretty sure @G B had enquired with Subaru NZ prior to gettting an aftermarket exhaust system for his STI and their response was "yes it will void the warranty".

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Pretty sure [mention=20069]G B[/mention] had enquired with Subaru NZ prior to gettting an aftermarket exhaust system for his STI and their response was "yes it will void the warranty".


Bayswater told me as long as it's after the cat they're not fussed.


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4 hours ago, 94 Leone said:

I forgot what my annual premium for full cover on my STi is; It's not much tbh; think like 130 a month at most.
For an under 25 with a modified car, with it insured to auckland. Car is valued at 23k iirc. so it's okay.
Unlike those of you using your parents for insurance; I started paying my own at 18, so a few years down the track I now have a good record with 
my insurance company, and my premiums drop. also, Clubauto do a defence force discount :D 

+1 for paying for your own insurance from the start. Hurts a little when you are young but once you get a few years down the track with a good record it is well worth it.

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1 hour ago, IZichard said:

+1 for paying for your own insurance from the start. Hurts a little when you are young but once you get a few years down the track with a good record it is well worth it.

on the bright side it meant i had less money to go out, thereby cause trouble and be one of those unfortunate knobs to wrap themselves around a tree.
I don't have a lot of self control, I have to force myself hahha. Admittedly, I spent more time fixing my legacy than actually driving it, so the insurance was mainly incase it caught fire hahahha (Full cover from day 1 though)

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Insurance is well wise to the "just a named driver" thing, and I have heard of cases where the insurer went "okay so, when's the last time you actually drove the vehicle? Oh never? Okay no payout for you." 

 

If you can afford 30k of car and you're still living at home, you can afford to do things properly. It's all good to hope it's fine until you rear end a range rover and find they decline the claim

 

They are also well aware that regardless of what your warranty says about it, a straight pipe is an obvious modification. Just play it safe man

 

 

On that note, crashed mine the other morning xD On the plus side, my excess is less than what I was going to pay to get the front end resprayed so there's a silver lining to it

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Insurance is well wise to the "just a named driver" thing, and I have heard of cases where the insurer went "okay so, when's the last time you actually drove the vehicle? Oh never? Okay no payout for you." 
 
If you can afford 30k of car and you're still living at home, you can afford to do things properly. It's all good to hope it's fine until you rear end a range rover and find they decline the claim
 
They are also well aware that regardless of what your warranty says about it, a straight pipe is an obvious modification. Just play it safe man
 
 
On that note, crashed mine the other morning  On the plus side, my excess is less than what I was going to pay to get the front end resprayed so there's a silver lining to it


I was gonna jump on board NAC for $94 a week but my parents told me to leave the car stock and stay with their insurance. They bought the car for me so I'm pretty bound to what they say goes. Was a surprise as well but I don't think they realised how hard it was gonna be to get insurance for a brand new 60k STi with 17 year old driver


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at 17; I'd spent a year of part time work money on making a broken twin turbo legacy a working single turbo legacy...
also, NAC are sh1t; no free glass cover- that is 40% of the reason I go full cover. 
S*** man, I was happy when my legacy premiums dropped to 94 a month.. admittedly that was multi-vehicle insurance. 
kids these days......

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18 hours ago, 94 Leone said:

I forgot what my annual premium for full cover on my STi is; It's not much tbh; think like 130 a month at most.
 

 

that's a sizeable $1560pa !

 

conducks;

is the car registered in your name or your folks ' name ?

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Just now, newsuba said:

 

that's a sizeable $1560pa !

 

conducks;

is the car registered in your name or your folks ' name ?

It'll go down, I get the insurance company to review the costs every 6 months or so; can usually bring it down a bit.
especially considering no driving offences in a while. eh 22k car, it's only like an extra 20 a month compared to my old STi lol

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2 hours ago, Conducks said:

 


I was gonna jump on board NAC for $94 a week but my parents told me to leave the car stock and stay with their insurance. They bought the car for me so I'm pretty bound to what they say goes. Was a surprise as well but I don't think they realised how hard it was gonna be to get insurance for a brand new 60k STi with 17 year old driver emoji23.png


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It sounds very much like money is not a terribly huge issue for either yourself or your parents, insure it with Classic Cover or the other crowd that doesn't suck and go to town on it.

Actually I suspect Classic Cover won't cover drivers under 25...

 

A new STI at 17, I assume they took out a very large life insurance policy on you, or they don't like you very much :P 

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It sounds very much like money is not a terribly huge issue for either yourself or your parents, insure it with Classic Cover or the other crowd that doesn't suck and go to town on it.
Actually I suspect Classic Cover won't cover drivers under 25...
 
A new STI at 17, I assume they took out a very large life insurance policy on you, or they don't like you very much  


I haven't come close to crashing it once, I had a 2010 Legacy GT that was tuned and much quicker than my STi. Will enquire with classic cover. Dad just said he'd rather see me enjoy his money than me enjoy it after he's passed lol


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that's a sizeable $1560pa !
 
conducks;
is the car registered in your name or your folks ' name ?


My STi per year through NAC was gonna be $4,700. And it is registered under my mum's name


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Can we maybe move all this insurance talk to another thread?  

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2 hours ago, Conducks said:

 

 


 Dad just said he'd rather see me enjoy his money than me enjoy it after he's passed lol
 

 

  Your father is a good man..Look after him..

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Over the weekend I started pulling it all apart again.

Turbo and uppipe now removed; got to jack it up and take the downpipe and headers off next.

 

0vq0zzkq.uxa.jpg

 

Then injectors, ugh.

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Purchased an '04 3.0R with full heated leathers, McIntosh stereo, not a single dent and 100k's on the clock for 5k

 

Even the chrome on the front grill is in mint condition. 

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1 hour ago, Divine said:

Purchased an '04 3.0R with full heated leathers, McIntosh stereo, not a single dent and 100k's on the clock for 5k

 

Even the chrome on the front grill is in mint condition. 

 

Nice!  That's about what I got mine for which I would describe similarly, though sadly it has turned out to be less of a bargain than I thought due to a shitty pre-purchase inspection.  Loving the heated seats now that it is chilly:)

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Whilst it's theoretically not my car yet, I picked up a HKS panel filter for the long commute home next weekend!


Should do me for engine mods for a while, assuming I'll need a tune (Link G1 fitted) once I remove the AFM and throw a pod filter down by the drivers side guard..

bb4d0f1a3751a0fe56ae36bb813d9ad2.jpg


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Had my shifter knuckle replaced today turns out I also had a snapped gearbox mount. Feels like a completely different car to drive now that I can find gears

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