Never before have I been this enraged.

[The View Askew]

I went out at the weekend, and bought my car a brand new set of alloys, the old ones had shitty aftermarket locking nuts in with only 1 cavity. They had to be drilled, and were none too special anyway (the alloys)

I spent my entire months wages on a new set, that when coupled with the garage's fee for drilling the wheels and fitting the new ones.
A coolant pump, a cam belt, and a power steering belt, has totally crippled me in terms of money for a good while.

Worth it, until now.

I decided to go legit and declare the mod, on the phone to direct line, I wait for nearly half an hour for an answer, to be asked the usual bollocks, then put on hold, about 2 minutes later, the bloke picks up again. "I am sorry sir but the minimum age for modification of a vehicle is 25 I cannot go through with this."

"Come again?"

"All you can do is add someone over this age to the policy as the main driver and yourself as named, or remove them".

"Goodbye, thank you."

Phone leaves hands, calmly, into the base.

I leave room, probably purple in the face totally fuming.

I now cannot drive my FUCKING motor, I don't have the original wheels (It came with aftermarket alloys). I can't buy rover wheels, i can't do SHIT.
I cant add anybody, no money.
I cant do SHIT.
I cant go to work, I have no car and the bike is not an option not feeling like explaining why.
I cant earn much money like this.

I truly am beside myself with rage, look there I am over there, in the corner with eyes the size of footballs.

Can anyone think of something I can do?

I am not asking for neither do I want personal help.

I want to move ahead alone, will be good life skills aahahaha.

Some advice would go down a treat though.

I think this is nearly catch 22, fucking ones self in the arse with no conceivable escape.

I AM PEEVED BEYOND HOW I THOUGHT POSSIBLE.

Direct line, can kindly kneel down, and receive my load down their throats.

Pay for fully comp, at my age, and for what. So you can't drive?

BOLLOCKS.


____________________
"Do what you always did, get what you always got"

[palmer]

You have to be 25 to put alloys onto a car? Thats bollocks.

[mr jamez]

If you are that pissed off, then ring them up and tell them to stick it up their arse find an insurer that won't be so pathetic about a set of wheels.
____________________
NSR 125F > BROS 400 > NC30 > BROS 400 > Trumpet S4 > '97 VFR 750

[stinkwheel]

Change insurers. Cancel the policy and get a refund on the balance of the policy (they will charge you a fee because they are bastards like that) and go with someone else.

It is just that company who are refusing to cover you because they aren't prepared to take a risk. If they don't accommodate you, they don't deserve your business.

[stinkwheel]

You can get insurance on ANYTHING if you go to the right place (sometimes for a price mind).

A friend of the family had a life insurance policy through Lloyds of London when he was out working in Afghanistan (sub-contracting for the UN before the current trouble) training the Mujahadin to clear minefields by hand. Premium was £45 per day mind.

Try getting a quote from a specialist insurer like Footman James. Several mates with outrageous chops and highly modified cars use them, the premium is sometimes surprisingly low.

[G]

In the mean time, how about some original steel wheels on ebay or similar?

Ok, you gotta spend a bit of money, but should be able to get some quite cheaply.

Got some for my laguna for £35 + £25. Though the company did mess me about then eventually sent me some better alloys because they had sold them elsewhere.

[Black Knight]

I had Direct line home insurance earlier this year. They refused two legitimate claims. Needless to say, I didn't renew.
____________________
Where does a turn end? 'Where you can do anything with the gas you want to, where you are brave again, where your attention is free from the turn, where you are sure you can do it better next time; that's the end' - Keith Code.

[The View Askew]

I really do not wish to change insurance, I might be able to get my grandad who owns the car, to go back on as main driver, and name me, the fact that I will be the only one that drives it is irrelevent as otherwise cannot be proven.

I am 17 years old, they quoted me 1300 fully comp on a R reg 98 Rover 214i 16v.

Which is why I am still a customer.

Anyone else may accept the alloys, but will charge more money than this without the slightest shadow of doubt.

Plus I have 11 new pence to my name until the 15th of October.

Out of interest I phoned them again to ask if I could pay more on the policy to allow the wheels, they said no.

Siggi speaks the truth, mindless scum and vermin

Fucking RBS ownership.
____________________
"Do what you always did, get what you always got"

[T1z3R]

[The View Askew]

For my age and area, and the fact it's a 16v 1400cc engine it would be lucky to get £2000 TPO normally, now i know why they are so cheap.

You learn something every day, and today I have learnt that direct line are COMPLETE bastards.
____________________
"Do what you always did, get what you always got"

[T1z3R]

jesus

i only ask cos i never had a 16v anything when i was your age but i never paid any more that £600 for insurance...was always wee 1.1 205s etc.
____________________
duck my sick!

[Kickstart]

[The View Askew]

[cagiva gezzer]

Adrian Flux would be your best bet for insurance. Everyone turned me away as i'm <25 and wanted a modded car. Others wanted 2 -3 X as much as a std policy.

AF undercut my normal std policy.
____________________
"because one stroke isnt enough and four strokes waste two"

[Blackrhythms]

I'm sorry, but that's bloody ridiculous!!! So just because you fit new, and presumably better, alloys to your car, they won't insure you??!! I don't get it, I really don't - it makes no sense to me at all!!! Effin insurance companies!!
____________________

[The View Askew]

If say my grandad was made main driver, and I was named, I keep the car at my house, but it goes down on paper as his place.

He is already named on the policy, and declared legal owner.

I get to keep the alloys, they can prove utter squat about driving percentages and everyone's laughing yeah?

Or am I missing something.

Cheers people

Soul.
____________________
"Do what you always did, get what you always got"

[NSR Mick]

Your worrying about a set of alloys?

how many people declare bike mods?

how many people declare a pipe?
____________________
If you dont like the way that I ride.......Stop trying to keep up!!!

[Drew]

[The View Askew]

How many people are shafted when they crash for it?

Being serious here, if It aint no thang i'll just leave them on and not ring the insurance people again.
____________________
"Do what you always did, get what you always got"

[Drew]

[NSR Mick]

[The View Askew]

That is a minute compromise to having a car with no wheels.

Considering I want to keep THESE wheels.

Can always be sorted in time for renewal 1 year wont stunt my engine growth much, new insurers i'm thinking.
____________________
"Do what you always did, get what you always got"

[Yoshi]

[The View Askew]

Ooh, given this, all is hunky dory with the insurance if I swap the names round?
____________________
"Do what you always did, get what you always got"

[NSR Mick]