Bye bye MG....

Trifid · 23 Oct 2009 at 19:59

Dogbreath said:
And this kind of greed is exactly why insurance premiums are rocketing.

The insurers are not helping themselves when they increase your premium when involved in a non-fault accident. My colleagues insurance will go up £300 next year because someone hit his car when pulling out of their driveway while he was stationary in traffic. How is that fair? 'because he is more likely to be in a crash'? Why is he? :rolleyes:

[TW]Fox · 23 Oct 2009 at 20:07

Trifid said:
My colleagues insurance will go up £300 next year because someone hit his car when pulling out of their driveway while he was stationary in traffic. How is that fair? 'because he is more likely to be in a crash'? Why is he?

Erm that sounds highly irregular. Any premium loading for a non fault accident is usually very minor. Either his insurance is already £3000 a year+ or something is wrong. Whatever the case, he needs to shop around for his insurance.

ScoobyDoo69 · 23 Oct 2009 at 20:11

Sorry to see this has happened to you Phate. Hope you don't suffer too much pain with whiplash, and you get yourself another motor soon!

agw_01 · 23 Oct 2009 at 20:11

Jake,

Gutted for you mate. What's next on the cards?

Draeger · 23 Oct 2009 at 20:25

I'm glad to hear you are ok and not injured. Shame about the MG but it can always be replaced m8. :cool:

Trifid · 23 Oct 2009 at 20:35

[TW]Fox;15160918 said:
Erm that sounds highly irregular. Any premium loading for a non fault accident is usually very minor. Either his insurance is already £3000 a year+ or something is wrong. Whatever the case, he needs to shop around for his insurance.

Insurance is over £1000 a year on a Honda S2000 at 26 and 8 years no claims. I did a quote for him at my address (better post code) with Elephant (same insurer - cheapest by some margin) 859 without, 1120 with - £261 difference.

Sparky · 23 Oct 2009 at 20:46

Phate said:
I'm due to start my new job monday.....joys....lets see what the doctors say first. And I don't agree with the comp culture either (anyone remember me going mental when my mate was trying to claim off my Astra accident so he could buy stuff for his car?!) But if it does genuinely hurt me then I'll do something about it.

Jake i was in a head-on smash many years ago [car came around a bend on the wrong side] and the car was a write off, everyone said i should claim for whiplash etc but, i felt ok so didnt bother. 11 years later i visit a BUPA specialist twice a month for a slipped disc and nerve problems all brought on by the crash apparently.

You may feel ok now mate but ,take it from me there is not enough money in the world that could now compensate for what i put up with .

Visit a Dr and get it checked out as you never know what long term damage you may have.

wonder_lander · 23 Oct 2009 at 22:11

Did you have all of your camera equipment in the boot as well

j/k kids!

Have you called helphire or the like?

ShiWarrior · 23 Oct 2009 at 22:14

nooooooo
i feel gutted for you mate

mattyprice4004 · 23 Oct 2009 at 22:28

Time to get a 620ti and spend the rest of the money on forgies and a T28!

agw_01 · 23 Oct 2009 at 22:29

rover416i said:
Time to get a 620ti and spend the rest of the money on forgies and a T28!

Biohazard · 23 Oct 2009 at 22:31

whats with all the rover pimping?

whats amazing about a 620?

mattyprice4004 · 23 Oct 2009 at 22:32

Suppose maybe an old 600 doesn't have the appeal of a 180 aesthetically however

I'd love a 180, shame about yours mate. Lovely colour too...

mattyprice4004 · 23 Oct 2009 at 22:37

Biohazard said:
whats with all the rover pimping?

whats amazing about a 620?

The 620ti has a 197bhp turbocharged engine, LSD gearbox and 0-60 in 7 seconds, for the price they go for and the comfort they have, IMO there's not much better. Also I get a consistant 30mpg and I drive like a loon

I have had serious reliability issues with mine, but that's for granted as it's British supposedly... :cool:

Dogbreath · 23 Oct 2009 at 22:38

rover416i said:
Time to get a 620ti and spend the rest of the money on forgies and a T28!

And keep a good stock of gearboxes in.

Dogbreath · 23 Oct 2009 at 22:39

CS||nuTs said:
Jake i was in a head-on smash many years ago [car came around a bend on the wrong side] and the car was a write off, everyone said i should claim for whiplash etc but, i felt ok so didnt bother. 11 years later i visit a BUPA specialist twice a month for a slipped disc and nerve problems all brought on by the crash apparently.

You may feel ok now mate but ,take it from me there is not enough money in the world that could now compensate for what i put up with .

Would claiming at the time have helped your current condition?

agw_01 · 23 Oct 2009 at 22:39

Dogbreath said:
And keep a good stock of gearboxes in.

One rebuild with non-Rover bearings and all is good

mattyprice4004 · 23 Oct 2009 at 22:42

Dogbreath said:
And keep a good stock of gearboxes in.

This is a very, very good point.

agw_01 · 23 Oct 2009 at 22:43

I don't know how you've killed a box already Mat, running a lame 8psi.

The two paper mache gearboxes I've had both lasted me around 12 months each running a manly 12psi

Luseac · 23 Oct 2009 at 22:44

iaind said:
Unless you're out of pocket by a 4 figure amount, is that really fair?

Yes, yes it is. Tort law is fortunate enough to have developed the principles of negligence wide enough so that individuals can get compensated properly for their pain and suffering. Whilst there will always be people like Concrete who would sooner stand on their soap box than receive a nice cheque, the majority are thankfully covered.

Dogbreath said:
And this kind of greed is exactly why insurance premiums are rocketing.

Yes of course it is, nothing to do with uninsured drivers at all. Don't aruge with me. Argue with people like Lord Atkin (although he's dead) who formulated the modern 'neighbour principle' in Donoghue v Stevenson. We are entitled to reasonable compensation from another persons negligence where a duty of care is owed, end of story. That right has existed for many years and I for one think it's a good thing.