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1  General / The Forum / Re: Nobody posts here anymore on: April 01, 2017, 08:43:56
Hijack was one of the of my favourite things. I met so many genuinely great people as a result of this place. Without it,  my brief time in Bristol would have ultimately been less enjoyable and would have only been made better had there been a calendar. 

Also, I miss  Bad Teeth
2  General / The Forum / Re: Quantum Levitation on: January 05, 2012, 01:02:39
In the 'Wipeout' video skip to 1:14 and as the Yellow car comes off the sideways loops, you can see the smoke trail through the wall of the loop.
3  General / The Forum / Re: What was your first post? on: June 22, 2011, 21:26:28
My first was a bit lame:
Quote
Yeh, i headed down and it was fricking awesome i abolutely loved it, even bought the t-shirt


My second was a bit better though:
Numark was the nuts. I'm really tired today. Smiley

not the only one! and one the way home i had a bit of a mishap near queens square somewhere.

i though i knew a shortcut, so i climbed over a 7/8ft high barrier...didnt see the 10ft drop the other side.
i fell and smacked my head on the concrete, and found myself in a work yard or something, with high walls about 10/12ft all around all having razor wire over the tops of all the walls, so i spent goodness how long in there trying to find a way out,

during my attempts to escape i made alot of noise and 2 security guards from a neighbouring site heard me, as did a bunch of students in their flats all now hanging out of their windows. So there i am 3am drunk, with security and students laughing at my feeble attempts to escape from the situation, without being cut to shit.

i got out eventually after the security and i noticed a section with no razor wire only it was 12/14ft high gate thing..

what an awesome adventure

That was in 2005 and I was just 19.
4  General / The Forum / Re: words and phrases of the moment on: February 15, 2011, 20:19:52
Middle-class white boys acting ghetto. lol

bitch wiggers

Reminds me of High Rankin - Do carry on like a rude boy when daddy's got a yacht.
http://www.youtube.com/watch?v=tgP3jutq494
5  General / The Forum / Re: words and phrases of the moment on: February 15, 2011, 20:17:55
"By the close of play", I'm not playing, I'm working you work shy knob.
6  General / The Forum / Re: Post your doodles on: December 16, 2010, 14:05:48
For all fans of The Apprentice

7  General / The Forum / Re: general photo thread on: December 04, 2010, 12:20:59
Lots of snow here in Suffolk, so i went out for a drive  Grin


8  General / The Forum / Re: Minecraft on: October 03, 2010, 12:38:32
This game has eaten about 2 weeks of my spare time. I've managed to avoid it this weekend as I have other stuff that needs attending to. The full version is quite addictive, much more indepth than the free version.
9  General / The Forum / Re: FTAO Snails on: May 02, 2010, 18:51:45
What do you think of this - http://www.pistonheads.com/SALES/1634281.htm

Going to try and have a look this week.

For just a little more you can get facelift version, possibly a cup, but that looks to have had most of bit's that usually need doing sorted (provided it's not had all that because it had an off) and i prefer the mk1 looks.

You got lucky. I haven't checked been on here in months. it's looks proper tidy and completely unmolested, which makes a change. Having the cam and aux belts is an expensive job, even if take to a specialist (£500) Imo it's a little bit overpriced, by a few hundred. If you can get him down then that would be awesome. You can get a reasonable ph1 172 on similar miles for about £2600, with the camblet and aux belt done, however if it's clean and tidy I'd go for it. For the £3000 you aren't likely to find a  tidy, low(ish) mileage ph2 with it's belts done.

Get on www.cliosport.net and have a read through the stuff on there. Create a thread on there and they'll happly tell you everything to look out for. A really helpful lot when it comes to RS Clios, if anything ever goes wrong, ask them before getting fobbed off by a garage. Some of them are a bit backwards in their world views mind...


EDIT: The guy selling this car is a member of cliosport.net. He's billing it as a MINT example, he was originally asking  £3300 i don't know if you'll be able to see the pictures mind.
http://www.cliosport.net/forum/showthread.php?t=504076

If it's as mint as he says i'd go for it.

Have a read of this buyers guide:

Quote
172/182 buyers guide

First thing is have a read of the frequent/changes in production etc as listed on this thread

http://www.cliosport.net/forum/showthread.php?t=187984

If you want more info on anything written here best do a search as I’ve tried not go into to much depth for fear of it becoming to large.

Ok things to look out for or check.

Exterior
Check for the normal scratches dents etc also check the sills of the car for bending whilst not a huge issue it doesn’t look good and shows poor signs of the car being jacked/possible accident damage.

One thing to check if the presence of a sticker on the drivers door which tell you the oval plate details of the car If this is missing then it can show the cars been re sprayed and the sticker not replaced etc. The vin though are also available from the passenger side of the car down the bottom of the windscreen viewable form the outside and also under the bonnet. (see this link for more info)Clio codes (for the dialogues) and what the oval plate says about your car
http://www.cliosport.net/forum/showthread.php?t=112411

If the car isn't a 182 Cup or 172 Cup check the front xenon washer jet balls are there and work they are a common failure point and whilst there are a few fixes no one is perfect.
You have the choice of either
New washer jet i.e. bumper off and replace - may well fail again
Just swap the washer jet ball its less effort than taking the bumper off- may fail again in fact its more likely.
Superglue the ball back in place- Make sure you get it in the right spot else you'll need to buy a new one this if done right is a good method though.
Unplug the jets - its easy to do just unplug the lines from behind the jets and no leaks just remember to bung up the pipes- There supposed to be connected all the time legally.
Check for accident damage its a hot hatch and more so in the case of the 172 Cup they do get crashed and sometimes bodged repairs so check for any areas of rust
They shouldn't rust at all really as the protects is very good only possible place is the chassis frame under the car if you jack on them it can peal the under seal off over time.
Check in the boot under the carpet for any deformation

Check If you are looking at a 172 Cup or a 182 Cup or a 182 with the cup spoiler pack then check at the front of the car under the bumper for a small black plastic spoiler there no cheap new (£130ish) and break a lot. They should be fitted though but often there damaged or not fitted new and owners don't care or don't know there missing them.

Check under the front of the car for the under bonnet cover its a big plastic cover under the engine its only thin plastic it helps keeps the underside of the engine clean and catches any oil drips.

One thing if the car your looking at has sat nav then the DVD disks aren’t cheap also in the case of the 182 the spoiler pack couldn't (shouldn't have) been fitted since the bigger rear spoiler caught to much on the sat nav aerial to much however some have been added later on but this may explain why it has sat nav and only the rear spoiler not splitter as it was added after build

Check the rear lights faulty rear light of any type isusually down to a poor earthing connected/water getting in them so dry the unit and fix and check the earthing point on the left hand side of the car in the boot down below the upper seat belt point for a good connection its under the side covr.

Mechanics

Check the engine doesn’t move much (only way to explain how much they should move is to compare with other 172/182's) however loads of engine movement should show up on a test drive.

If your looking at a 182 normal car then check for a engine cover it doesn’t make much different the 172 Cup didn't have them etc to save cost and weight its there to help make the engine bay look tidier and reduce noise a bit but it does very little owners often remove it to see the engine more, easier access to parts and under the excuse of weight saving.

The exhaust on the 172 and 182 aren’t great the 172 biggest issue is the fact the back box is to heavy and so within about 3 years it breaks the weld to the front pipe most p[people then change for an aftermarket exhaust as stock is about the same price. It can be fixed if you take it to a garage etc they’ll see what the issue is and could weld up the exhaust with a stiffener or weld and extra bracket to hold the back box in place better. The 182 isn't the same system (since it take the place where the spare wheel well is but it can suffer from the same rattles from the mid section etc.

If your looking at a 182 one thing to remember is there two type (Trophy excepted)
There the 182 (with the cup spoiler and suspension packs) this has climate leather seats (well part) and xenon’s etc. This is sometimes called the full fat on here its not anything official just the name the forum often uses.

Then there’s the 182 Cup this has both suspension and spoiler/splitter packs as standard but doesn't have the leather seats xenon’s or climate (air con instead).

The presence of Cup was symbolised by the darker coloured wheels but since some cars had the wheels swapped at dealers and aftermarket swaps and since the wheels bar the colour where the same then its impossible to be certain by looking at the wheels if it has the pack then only way to be sure is to turn the front wheels and measure the hub bolt spacing from the centre of one bolt to the other.

60mm means you have the cup suspension pack
54mm means you don't have the cup suspension pack

Drive shaft gaiters can fail like any car and since there such a pain to properly chnage for proper Renaul ones often best getting a whole new shaft which ins't cheap Abs rings can come loose (east to chnage realy) and cause ABS warning lights a new ring can be bought but many dealers cannot find the part number/price but they are there.

Check the washer jets work they do get blocked.

Due to certain magazines write ups many people refuse to by non cupped cars and IMO regardless of what I was doing even if I were changing the suspension I'd get a car with the cup pack for the resale. Most cars have the suspension pack though.

Check the oil level though also if you have the engine cover removed check the head area for oil the seal isn't great often and since the repair is 7.1 hour and necessitates a new cam belt its not worth fixing just to stop a little oil leak however since the oil level sensor isn't that good and since the sensor tell you when your low with oil without having to open the bonnet many owners actually check the level and it can run low.

If your after a car with more HP remember that whilst there tuning bits out there they are not cheap £1.5k will see you about 190~195hp. So claims of a remap and induction kit for 200hp are false.

Check the stearing to full lock often the strut tops under the bonnet for the strut catch on the body the Renault offical fix it to grind some of the material form the bodty the other fix is to leave it or to stick some washer under the strut tops as per the Clio V6 has to lift the top as such.

Interior

The biggest thing can be rattles/squeaks etc some cars are worse than others you can try and fix the noises stripping the dash top off and taping it all down etc but really depends how bad it is.

The seats should be in god condition wear on the side bolsters can be down to how the owners gets in the car etc.

Check the steering wheel for damage/wear depending on use etc they do wear and the finger grips bits can come away /fray etc they can be stuck down etc but cannot be bought separate a proper new wheel is £350 or so no one bothers getting a new one. One thing that can damage them is the wearing of hand cream and wedding rings.

Anther thing which can be damaged by the wearing of a ring etc is the gear knob they are quite cheap and easy to replace really if you are bothered.

Check the condition of the gearbox gaiter there only cheap but when the dog bone mount wears etc they can break the clips if stretched to far needing a new one.

Check the seat belt handles all work fixes arn't to diffuclt or expensive but somehting to check.

Under the cigarette ash tray (pull it out) you'll see a little cover over a diagnostic port if you have access to a proper code reader then you could plug in here and check for any fault codes into showing up on the dashboard warning lights but those that do are usually insignificant anyway.

Check the foot wells for the front and rear seats for water the front seats are down to a blocked valve/air con filter etc the rears are foten down the rear seat bar the holes let water although faulty rear window seals are common.

Check all the electrics work windows particularly and the climate control works it there a buzzing sound when its on it could well just be the little fan in the console on the roof which blows air over the interior temp sensor for the climate easy/cheap to change though. The system isn't great making cold air but if it is poor often re-gas fixes it.

When starting the car ideally turn the key so all the light come on then wait for them to go off before starting the car check the warning light etc go out the SERV light doesn't indicate servicing just that the car has a fault which needs sorting.

Check under the passenger seat for presence of a CD changer if the CD changer cable is there then there was one fitted and someone removed it at some time. Some cars didn't have them as standard though.
172 phase 1 had them as standard
172 phase 2 early models wee standard later models you had to pay for it approx when the cars came with stability/cruise control it came as as option instead.
182 had then as an option only.
The cable isn't cheap at near £90 but the changers since there easy to remove are much cheaper you can often get a changer for £60.

The airbag warning light can come on the most common issue is the wiring under the seats going wrong the fix is detailed here
http://www.cliosport.net/forum/showthread.php?t=108607



Driving

The handling should be very good it one of the things that got it a good reputation so anything unto wards should raise suspicion one thing maybe the cars rear end twitchiness the rear dampers can leak/fail quite quickly there only £100 or so for two new ones and a few minutes to fit.
Check the car stops and steers straight as the brakes are superb on the car tracking can be an issue it just might need adjusting. In the case of a 182 the wheels used can cause the brake fluid to boil off as the wheels don't let the brakes cool off so in the case of a 182 if the brakes feel like they need bleeding they probably do.

Check for any clicking etc noises its difficult to say what exactly but comparing cars is the best idea.

When driving the car at a fair few rpm lift off the throttle and check for engine shake it its really bad then the engine will knock itself out of gear. Its caused by the engine mounts wearing/moving the usually one is the dog bone one which is quite cheap and quick to replace. IMO stick with the stock one do not up rate it. Other mount can wear though including the top mount (driver side) and the battery mount and the 4th gearbox to sub frame one. There not that badly priced for new ones and fitment is not to difficult either.

Also as a note the gearbox isn't the best ever to use it shouldn't crunch or grind etc just the feel is nothing like say a VAG etc.

The clutch is very heavy and has a high bite point its normal though again best compare with other 172/182 cars but yes they are heavy and high with a small bite point. Also the clutch release bearing can wear a lot stick the car into neutral and with your foot down you'll hear it wine it will last though many have wines for ages before they are sold on etc so life span is unclear and sicne a chnage of them is a 7 hour job (and you should change the clutch at the same time as the cars stripped down loads to get to it).

PAs can be a bit noisy the 182 is better due to pipes being chnaged. Pipes cna leak etc so check level etc plus the fuild does need to be changed oftne a chnage of fluid helps wonder.s

When you start the car from cold you'll notice the idle isn't great this is due to the mapping its not to bad but as I've said earlier best compare to other cars. They can have trouble idling with dirty throttle bodies faulty sensors etc best way to describe what’s normal is it doesn’t sound perfect but on the rev counter its stable. If it sounds like a tractor or doesn't start well then that’s not right it should start straight off as such.

Things to check when driving

Temp gauge goes up to the middle and doesn’t move if ,it goes up and down then shows a faulty temp sensor its a common issue only cheap to change need to check the loom isn't frade as well though.

When cold the car has a lower red line about 6k leave it to warm up and it goes to 7.2k.

Service history

See this link for what details Renault UK required at a minimum for normal cars under normal driving condition cars used on short trips and different circumstances were given shorter service rules but few people ever take note of this (sometimes at there cost)

HOWEVER do remember this is the minimum rule IMO the servicing should be done more regularly ever 6k change the oil at minimum.

Some dealers did incorrectly advice owners that the 18k/2 year was how often the car needed servicing so if the service history shows this remember that it wasn't what was recommended by Renault Uk warranty rules and if you are looking at a car with warranty that Renault Uk might not look favourably and ask for a percentage contribution if correct servicing had been done on time. Also remember the stamp means nothing really fakes stamps have been used before now and will be in future maybe try contact the dealership ask if they really did service the car.

Check the AUX belt has been changed ever 36k though or else change it its not cheap as its 2.7 hour labour if you have a car with air con or 5 minutes if your lucky and have a normal 172 Cup. The servicing used to allow the belt to stay as with the cam belt to 72k hence why many dealers think its Ok to leave ti that long however there were so many failures that the service rules were changed down to 36k at a maximum. When they do fail they make a right mess they 99.9% of the time take out the cam belt so your looking at £1k at best to fix it since it will have wrecked valves new cam belt is needed etc.


Price
Best check against other prices on auto trader (remember this is only what people are asking not getting so maybe try ring them see how well there selling but remember not everyone will be totally honest) and Parkers etc



Extra things to check

Two keys are present and both work (at £120 or so minimum for a replacement its worth checking)

Check the locking wheel nut keys (there should be two) are present and correct and ideally check they work.

In the case of 182's and 172 Cups that the bottles of tyre foam inflator are present (only cheap but worth a few quid discount)

Import 172 don't have (as stanard) locking wheel nuts (one per wheel), Window etching, alarm fitted as standard/embbed into the reciever



Get one, they are an absolute blast. I love mine, great for when you get out of town and you find some clear b-roads. Bloody love it, I really do. For the money you will not find a car that's as quick or handles as well.

I want to replace the wheels back to the oz racing F1s that came as standard with the ph1 172
10  General / The Forum / Re: Going to a club by yourself on: December 06, 2009, 02:24:09
I used to love going out in Bristol on my own when i lived there. I remember in early in my second year at uni i started going to nights on my own as i was very tired of student nights. I went on my own, but when i first started going i knew that i would meet nobody i knew at the night i was going to and that was almost half the fun. It was a little nerve racking and a bit odd being out on my own, but as time went by i started puttting names to faces from hijack and soon enough i was happy to go out on my own safe in the knowledge i would find at least one person i knew. I also used to liek going on my own as it meant i had an excuse to talk to plenty of 'randoms' and they were alway happy to be your mate for the night.
11  General / The Forum / Re: Post your doodles on: November 26, 2009, 00:38:34
 I don't get anywhere near as much time to doodle at work these days  Cry I have to actually work so they don't get rid of me.  Smashed



12  General / The Forum / Re: Car Insurance..... on: October 22, 2009, 01:16:51
It's allllllllll about the phase 1s pretty much my perfect hot hatch looks wise. I think a fair few people probably feel the same because the phase ones aren't really any cheaper than similar condition/milage phase 2s. I will have one for a bit at some point it's the one car I I want to scratch the french hatch itch before getting back on the jap stuff.



Odyssey blue is also my favourite colour 172, only 89 phase 1's were made in the colour Cheesy Are you a member of cliosport.net? Always 172/182's for sale over there and the vast majority have been looked after. There not a huge number left, 10 winters is a lot of time to steer them into walls, hedges and ditches. CS.net is also a fantastic knowledge base for the car, also, it's not chav-tastic either  Two Thumbs



Also, there's not a huge amount in it, but usually a good, low mileage ph1 on the forum can be have for £2000-£2500 and a ph2 for £3000-£3800. the prices on CS.net tend to be 'fairer' than garages.


13  General / The Forum / Re: Car Insurance..... on: October 22, 2009, 00:54:35


Batman - I've been clocking that Yaris for a while  Wink Not quite my thing but nicely done all the same  Smiley

Snails - I convinced my mate to buy a 172 which he loved and then promptly crashed into his own house, it;s on ''the list''.





I absolutely love my phase1 172. I love the look of them, much prefer them tp th phase2 which can been seen in the second picture on the left. They definitely go some as well. It has it's faults, but i can live with them as the car brings a smile to my face every time i go out in it, very sad i know.


[/quote]

Batman, is that a Cupra splitter on the front of your car?

the whore of all splitters? why of course!  Bad Teeth



Haha, i'll think you'll find the whore of splitters is the Laguna splitter.

 

And because the others don't really show it's true colour... (this is how i got it)

14  General / The Forum / Re: Car Insurance..... on: October 21, 2009, 19:05:31
Batman, is that a Cupra splitter on the front of your car?
15  General / The Forum / Re: Ever found money hanging out of a cash machine? on: October 21, 2009, 19:01:44
I once left a £10 sticking out the HSBC on Gloucester road, opposite the Hobgolbin, I left the machine and walked towards the Prince of Wales, i got about half way and some fella comes running up behind me, taps me on the shoulder and gave me my £10 back! A few months before i had done the very same thing for some woman who left a £10 sticking out of the very same machine.
16  General / The Forum / Re: Amazing graffiti animation... on: September 24, 2009, 11:09:27
Lovely! it that something to do with that guy who did the one in Brazil or somewhere?

Not sure...

What's that one?

damn can't remember the guys name but it had a very simular style to the bit with the crawling hand over the top of the building. The film had lots of characters moving along a street and though windows and that. Was on here but can't remember what the thread would have been called.

Can anyone else remember that?

This one? http://www.youtube.com/watch?v=uuGaqLT-gO4
17  General / The Forum / Re: Post your doodles on: September 13, 2009, 13:32:13
i don't know how to get it so that my pic's just show up in the pose  Tongue but some links to my doodles on myspaz are here









Edited for you Cheesy

They are awesome btw, love the last one
18  General / The Forum / Re: Post your doodles on: September 13, 2009, 01:33:29


I used to have this stuck to the side of my monitor at AXA, I'm definitely making a copy for my new job.  Two Thumbs
19  General / The Forum / Re: Post your doodles on: September 13, 2009, 01:30:03
Mek, didn't you do a board of the top doodle?
20  General / The Forum / Re: The Biggest Dubstep Mix on: September 12, 2009, 23:56:01
 Grin

One for the car  Two Thumbs
21  General / The Forum / Re: Hijack Fantasy Premier League 2009/10!!! on: September 11, 2009, 19:02:56
After the international break we have full fixture list this weekend....



Oh balls, I've just realised how much my squad sucks. Cry

The same as every other year then?  Grin
22  General / The Forum / Re: Lol Tattoo on: September 10, 2009, 17:51:19
Is that supposed to be two people with the same tattoo?? surely modifications of an old swastika... 'I used to be a nazi but now I'm an internet geek'   Smashed


The top two pictures are of the same person. You can see the top of the star on his left arm in the first picture and in the second picture you can see the full star. The apparent rotation of the tattoo in the first picture compared to the second can be accounted for by wonky picture taking  Grin

23  General / The Forum / Re: Post your doodles on: September 06, 2009, 10:10:41
Snails, these are fucking wicked! Do you keep the originals?
I have all the ones in this thread in my room somewhere.


More doodles please!!  Two Thumbs I don't know why everybody doesn't doodle at work, I understand those that have active jobs like chefs or brickies can't really doodle at work, but surely the rest of you can, unless you have to actually work at your place of work.
24  General / The Forum / Re: Hijack Chat on: September 06, 2009, 01:03:21

Age, sex, location you gert wally woo!
25  General / The Forum / Re: Post your doodles on: September 06, 2009, 01:00:00
I am employed in an telephone job once more, meaning ample time to doodle!  Two Thumbs



26  General / The Forum / Re: Wanted - GIF of topless girl crashing mountainbike on: September 04, 2009, 23:57:36
"Shay Laren plays wii naked" or so i heard.


There's some topless ones taken from the same video. awesome orbs.

where might one find this good sir??

Laren wii naked plays Shay.
27  General / The Forum / Re: Chupacabra found in Texas on: September 03, 2009, 09:43:07
That's just a dead dog.

It looks like it has been in a fire.



Fire or not, it's still a dead dog.
28  General / The Forum / Re: Chupacabra found in Texas on: September 03, 2009, 09:37:50
That's just a dead dog.
29  General / The Forum / Re: N97 vs iphone on: September 01, 2009, 22:38:51
get the HTC hero instead (T-Mobile call it the G2)... it's an awesome phone, but you'll end up selling your soul to google rather than apple

this is what i'd do.
30  General / The Forum / Re: Hijack party ROLL CALL on: August 28, 2009, 17:51:22
I'm a sad that i'm not coming this is going to be bllody awesome. I might have a cry.  Cry
31  General / The Forum / Re: WTF, OMG, NSFW, etc. etc. on: August 25, 2009, 17:43:05
thats fake, he would defo be passed out at least

To be fair, who would video that instead of stepping in

When i was in Cambodia i saw several people who had been hit by vechiles and crowds would just stand around and stare whilst waiting for help to arrive and i mean, literally 30-40 people all stood about 3ft away from the horrifically injured individual. I saw one where the ambulance had arrived and there were still 30-40 people just stood feet away staring...
32  General / The Forum / Re: District 9 on: August 21, 2009, 10:17:19
is it showing everywhere as standard now?

i couldnt find it last time i looked at cinema listings

September 4th in the UK.
33  General / The Forum / Re: So what's this Luton football hooliganism and BNP thing all about? on: August 21, 2009, 00:53:11
Luton looks like an old northern mining town moved 250 miles south.
34  General / The Forum / Re: Hijack Fantasy Premier League 2009/10!!! on: August 20, 2009, 18:18:34
I know - I always seem to use it early though, 3 of my squad were starting on the bench for their clubs and didn't want to fall too behind early making subs per gameweek.

You could have made 2 free transfers this week without any point penalties.
35  General / The Forum / Re: Hijack Fantasy Premier League 2009/10!!! on: August 20, 2009, 10:42:22
 Powered on up from 36th to 7th last night.  Slayer Good to see Ironside is up to his old tricks.
36  General / The Forum / Re: How long have you been on these here boards? on: August 19, 2009, 19:18:29
The top 10 are

Evs      250d 15h 24m
powercut   206d 18h 53m
able      160d 21h 37m
Uncle Basic   154d 20h 28m
Cabalist      152d 14h 59m
Pippin-drill   148d 20h 26m
tko      133d 18h 48m
stealth      130d 19h 33m
whalemonste®   128d 13h 40m
Spit      128d 6h 29m

how'd you find that out? Tongue





http://www.hijackbristol.co.uk/board/stats/
37  General / The Forum / Re: How long have you been on these here boards? on: August 19, 2009, 12:39:17
The top 10 are

Evs      250d 15h 24m
powercut   206d 18h 53m
able      160d 21h 37m
Uncle Basic   154d 20h 28m
Cabalist      152d 14h 59m
Pippin-drill   148d 20h 26m
tko      133d 18h 48m
stealth      130d 19h 33m
whalemonste®   128d 13h 40m
Spit      128d 6h 29m
38  General / The Forum / Re: How long have you been on these here boards? on: August 19, 2009, 12:17:22
Cry

What he actually means is 250 days, 15 hours and 19 minutes. I pale in comparison, i've lost a mere 56 days, 15 hours and 58 minutes.

28 day 10 hours and 10 minutes , although i just leave it on over nights an ting.... i swears  Lips Sealed

It stops counting or something if left for 15 minutes or so i was led to believe.
39  General / The Forum / Re: Car Insurance..... on: August 19, 2009, 12:04:58
Try adrian flux:
http://www.adrianflux.co.uk/

im currently insured with them, fully declared all my mods. 6 points and 2 years no claims.  
£900 (still alot... but cheaper by far then anyone else!)  Two Thumbs

www.brentacre.co.uk are also pretty good for modified cars.

also:

sky insurance
and bell.

Bell is part of the Admiral group, as is Elephant. Admiral wouldn't insure me if my car was lowered by any more than 50mm, luckily it's less than that.  Two Thumbs

good point, always worth checking who a companies underwriters are, save you asking the same people whove declined you before!
mines well over 50mm lol! woop!



What are you driving?
40  General / The Forum / Re: Car Insurance..... on: August 17, 2009, 18:01:15
Try adrian flux:
http://www.adrianflux.co.uk/

im currently insured with them, fully declared all my mods. 6 points and 2 years no claims.  
£900 (still alot... but cheaper by far then anyone else!)  Two Thumbs

www.brentacre.co.uk are also pretty good for modified cars.

also:

sky insurance
and bell.

Bell is part of the Admiral group, as is Elephant. Admiral wouldn't insure me if my car was lowered by any more than 50mm, luckily it's less than that.  Two Thumbs
41  General / The Forum / Re: Car Insurance..... on: August 17, 2009, 17:56:46
Try adrian flux:
http://www.adrianflux.co.uk/

im currently insured with them, fully declared all my mods. 6 points and 2 years no claims. 
£900 (still alot... but cheaper by far then anyone else!)  Two Thumbs

www.brentacre.co.uk are also pretty good for modified cars.
42  General / The Forum / Re: Car Insurance..... on: August 17, 2009, 15:42:40
Have you also thought about someone else getting the insurance and you being a named driver?? (ie parents/girlfriend etc)

Don't do this. To take an insurance policy out, you must have an insurable interest. If somebody else took the policy out they would have no insurable interest and policy would be invalid if the insurance company were to ever work this out.

Read this it should clear up lots of queries and also explain why having somebody else take out the policy is a bad idea.


Quote
Courtesy of Shiny of the Maxpower Forum, well respected insurance guy, very knowlegdable. Asked him for his permission and it was granted AGES ago, think I posted it on the old forum...but for newer users...

There are many posts regarding insuring cars in Parent’s names to get cheaper insurance and they often lead to heated discussions and opinions from misinformed people. Here are some facts as to why it is fraudulent and you should not do it, which I hope will put a stop to misinformed opinions and potentially dangerous advice from people who do not understand the industry, the processes and the legalities.

The first question is probably “Why should I listen to Shiny?”. If you are a regular user of the forum you would have probably realised that I do actually know my onions where insurance is concerned. I have worked in a high street Insurance Brokers for the last 17 yrs, managed the Personal Lines department (household, motor etc) and now handle Commercial insurance, specialising in Motor Trade. My advice is not tied to one Insurer and is indicative of the market, although there are obvious differences between some insurers in their methods, the basic insurance principles are the same regardless of who you are insured with.

Now, onto how it works. Firstly “Insurable Interest”, one of the basic principles of insurance. The purpose of insurance is put a policyholder in the same financial position after a claim or loss as they were before the claim or loss (with the exception of any excess etc). Therefore if my car gets stolen, and its market value was £5k, my insurers will pay me £5k to put me in the same financial position I was before the car was stolen. Now, if I was not the legal owner of the car and it belonged to, for example, my son, but I insured it in my name, I will not actually suffer any financial loss if it was stolen. Therefore I have no insurable interest. My son will actually suffer the loss, therefore he must insure it in his name. The registered keeper is not necessarily the legal owner of a car, so just changing the log book does not make this alright.

Insurance premiums are calculated on the risk exposure. Fact, young drivers are a high risk and attract high premiums. The amount of use available to a young driver as an additional driver under a policy in their parents’ name is an essential factor in the rating of a policy. It is not wrong for young drivers to be named under their parents policies as long as all the information provided to an Insurer is correct. When I was learning to drive I was added to my mother’s policy. She had been driving her own car for a number of years and used it every day to commute to work. Even when I passed my test, I was only able to drive the car in the evenings or at the weekend when she wasn’t using it. I was added to the policy and noted as a “frequent” driver (not the main driver) as this was genuinely the case and could easily be proved to be the case. When I bought my own car, I insured it in my own name.

Here are two scenarios –

1. A 17 yr old buys a car and insures it in his own name.
2. Dad buys a car for his 17 yr old son to use, Dad is the legal owner and registered keeper and therefore insures the car in Dad’s name. The car has been bought for the son and he will be the main user.

The risk exposure is exactly the same, as the 17yr old is the main driver regardless of who the policyholder is. Therefore the premium should in fact be the same. In some cases, scenario 2 will work out more expensive as discounts for insured only to drive will not apply.

Now the only way that scenario 2 will work out cheaper is if fraudulent information is provided to the insurers to make the risk look more attractive, by lying as to who is the main user of a car and saying Dad is the main user and son is only an occasional user. This is no different to lying about your age, lying about your car (saying it’s a 1.4 GL instead of 2.0 GT Turbo), lying about where you live (saying you live in a field in Devon rather than the middle of Greater Manchester). If you are providing false information to reduce your premium it is deliberately trying to misrepresent the true risk and deceiving your Insurers, which is fraud.

Now, to make matters worse, it is often the case that when policies are taken out in parent’s name, that in addition to lying about the main user, the ownership is also presented wrongly to the insurers, saying that it is the parent’s car when it has been bought by the young driver. As I have said earlier, Insurable Interest is a basic principle of insurance so, first off, there will be a major problem here. Secondly, again a risk has deliberately misrepresented to an insurer to make it look more attractive and to deceive the insurers to obtain a cheaper premium, which is fraud.

So, what happens if you have taken out a policy in your parent’s name and are found out. There is a very small possibility that an underwriter may suspect foul play when finalising the issue of policy documents or if there is an audit check, but in all fairness, you are really only like to be rumbled after an accident has occurred, which is the time when you will need your policy most of all. If a loss adjuster is involved, he will make a report to the Insurers, the underwriters will study the proposal form and if there is evidence of “non disclosure” or fraudulent information, from the information presented at the time of the proposal (which is the contract upon which the insurance is based), it is most likely they will not indemnify the claim and cancel your policy from inception, making all cover “null and void”. You will then be responsible for all costs as a result of the accident. As your insurance is invalid, there is a possibility of a motoring conviction for driving without insurance, 6 points minimum, a hefty fine, possibly even a ban. If the insurers see fit, they may also wish to prosecute you for fraud which could result in a criminal conviction. The policyholder (your parent) could also be facing the same prosecutions.

There is a question on an insurance proposal form that asks if you have ever been refused or declined insurance or had a policy cancelled by the insurers. If you end up having a policy cancelled due to non disclosure or fraud, you have to disclose this on your future policies. It is an absolute nightmare getting insurance if you have had a policy null and void under these circumstances. Only non-standard insurers will touch you and will want a very very hefty premium.

Loss adjusters are not usually involved in small claims, but at the end of the day, if the damage is £500 and your claim gets kicked out, £500 won’t cripple most people. But it’s when the claim runs into thousands of pounds that you really want your Insurance to be totally in order. I personally have dealt with a claim involving a cyclist where the reserve was £500,000. If you t-boned a car and crippled a load of Harley Street Surgeons on the way to meeting, the claim could run into £millions. Look at the Selby disaster, a few seconds of lost concentration has cost many many millions. Quite often the way the courts work is that the MIB (Motor Insurance Bureau) become involved and insist the Insurers pay the injured party. The Insurer’s then have a right to recover their outlay from you, as your policy has been invalidated due to fraud. Saving a couple of hundred pounds could cost you thousands and thousands of pounds.

So, now you know the potential consequences, you might think to yourself “how will they ever know?”. Well if a loss adjuster is involved. He will look for obvious signs, like the number of cars in the family, who is entitled to drive each car and so on, to establish a general picture. Then he will ask to see receipts, petrol receipts, servicing receipts etc and see what name they are in. If the car was still driveable, he may have been hiding and watching the pattern and use by each driver for the previous week or two before you even know he is involved (and then show you pictures to contradict any more lies you may present him with when interviewed). He will want to know how each person gets to work. Now there are other obvious things like dad owning a Saab Estate and also a Nova with a BB4 and Max Power Sunstrip and two 12” bass boxes in the boot (assuming modifications have been disclosed which is another topic entirely!) which the 17yr old son hardly drives? He may interview neighbours to establish the use by each driver, interview people at the workplaces and neighbouring work places of each driver, again to establish who drives what to where on a daily basis. I’m sure there are many other methods they use, but I hope this is drawing a picture for you. They do this every day, it's their job, they know every trick, every lie, every "loophole".

I do believe there is a problem in the industry where Insurer’s employ telephonists to provide motor quotes for cost efficiency, these people are generally data input clerks and do not have the knowledge for alarm bells to ring where young drivers and parents insuring cars are concerned. The same applies to internet quotes. But they are relying on people to provide truthful information and answers, which is confirmed by the signing of the proposal form or by agreeing to the statement of fact.

Now all the legalities aside, you will not earn any no claims bonus insuring a car in your parents name. By the time you reach 21, you may have left home, and you might want a tasty car as the market has opened up being over 21.
43  General / The Forum / Re: Car Insurance..... on: August 17, 2009, 14:51:33
Mine is £872 for a Renault Clio Sport 172, Insurance group 16D, Driving for 4 years, IP12, aged 23, no points, no claims discount and my mother as a named driver (she put my premium down by £170) as she will want to use it from time to time.

Things that will effect your premium:

Age
Your sex
Car insurance group
Points on your licence
Number of years driving
No claims discount
 *If you have had an accident where you were at fault
Car value
Postal code (some areas are much higher risk than others)
Any other named drivers (some will increase your premium others will reduce it)


Also with comparision websites they make certain assumptions based on the details you enter, meaning the prices you get back from the comparision website isn't wholly accurate. Gocompare quoted £954 for Admiral. Admiral quoted £872 when i called them.
44  General / The Forum / Re: HAPPY BIRTHDAY PIPPIN DRILL!!!! on: August 14, 2009, 19:25:38
Happy Birthday Emma! Have a crackalackin good time!
45  General / The Forum / Re: Hijack Fantasy Premier League 2009/10 - JOIN NOW! on: August 11, 2009, 09:19:05
shit... better remeber my login Shocked

EDIT; YES! I rembered my login, maybe this year Two Thumbs Smashed

You can only do better than last year Joe....
46  General / The Forum / Re: Pork Pies. on: August 11, 2009, 00:44:05
I'm sorry but booze and cheese wins HANDS DOWN

Don't get me wrong, i love cheese, absolutely love it and i thank my lucky stars that i have a high metabolism so i can eat vast quantities of it, but I just wanted opinions on whether or not pork pies are sent down from heaven or were created in hell.
47  General / The Forum / Re: Great news for Gasheads!!!! on: August 10, 2009, 19:36:26
yeah over a million as well I heard... How's that 1 mill waste of fat space striker you got getting on? is he still on the bench or have they not strengthened it enough yet? The key is to buy them cheap and sell them for a profit.. something city still seem to be struggling with..  

 Two Thumbs

Good luck to rickie has put in good service at the club and I wish him all the best.  Slayer

He took a job with us, did it well, was offered a better job and took it. Good luck to him at his new club, will be gutted however if he bangs in several against us when we play Southampton!
48  General / The Forum / Re: Great news for Gasheads!!!! on: August 10, 2009, 19:23:36
£1 million sale but we'll be lucky to see £200k of that go back into new players though.  Undecided
49  General / The Forum / Re: Hijack Fantasy Premier League 2009/10 - JOIN NOW! on: August 10, 2009, 18:40:03
1: Schwarzer    
2: Konchesky    
3: Corluka   
4: Hangeland
5: Dawson
 
6: Gerrard   
7: Lampard (C)  
8: Barry   
9: Denilson

10: Agbonlahor
11: Defoe
 
12: Sorensen
13: Ricketts  
14: Mendy
15: Cresswell


I'm kind of counting on my midfield to be a point scoring machine!
50  General / The Forum / Re: Uber Fail on: August 10, 2009, 10:33:47
facebook/job fail



Oh dear, oh dear.  Roll Eyes
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