Ford Fiesta ST
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#278462 - 03/02/11 10:16 PM Insurance- adding throttle body or axle spacers ££..??
jakeward46 Offline


Registered: 01/01/11
Posts: 258
Anybody in my age bracket 19-20 added a 60mm throttle body or axle spacers to their policy?

if so what did they charge you, my renewal is coming up and just interested what the going rate is for adding those things !

Cheers. Jake

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#278463 - 03/02/11 10:17 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
TBH I wouldn't bother about the throttle body

Depends who are with, generally admiral have been about £40-60 per mod
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407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

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#278464 - 03/02/11 10:19 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
i know adding mods is important and i have declared all mine.

but is anyone goin to notice the difference in a couple of mm on a throttle body?? know one would know it was different by looks and is still a ford product. i wouldnt bother.

and axle spacers again isnt such a visable thing but up to you. i wouldnt say it would be much of a change. possibly admin charges depending on company as well

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#278465 - 03/02/11 10:19 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
Duncan_P Offline
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Registered: 09/11/09
Posts: 8421
Loc: Wincanton, Somerset
I dont think they'd notice the throttle body but it might be worth declaring. I payed £52 for one mod at 19, so I had to chose between lowering, K&N and axle spacers because it was £160 for 2 mods...
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#278466 - 03/02/11 10:20 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
Quote:

TBH I wouldn't bother about the throttle body

Depends who are with, generally admiral have been about £40-60 per mod





got in there just that little bit quicker did you gypsy

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#278467 - 03/02/11 10:21 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: db04dan]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
Your just too slow
_________________________


407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

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#278468 - 03/02/11 10:22 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
my message was longer... thus taking longer to type

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#278469 - 03/02/11 10:23 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: db04dan]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
Your obviously a woman....using more words than necessary
_________________________


407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

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#278470 - 03/02/11 10:27 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
well yes they do.. but sadly for you i am not a woman

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#278471 - 03/02/11 10:28 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
haha, now now boys, ok i was unsure on the throttle body as you say cant really tell the difference from looking at the engine, at the moment added to quote got full system,lowered,k&N and its gone up on a quote from 970 to 1030. things to add on the phone is throttle body axle spacers and grilles black, so might just do the axle spacers and grilles. Cheers !

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#278472 - 03/02/11 10:29 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
dont worry Adams just upset he was hoping for more boobs on the site

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#278473 - 03/02/11 10:29 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
oh, im with admiral. cheapest by far!

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#278474 - 03/02/11 10:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
admiral FTW! me too!

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#278475 - 03/02/11 10:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: db04dan]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
Quote:

dont worry Adams just upset he was hoping for more boobs on the site




I feel deprived
_________________________


407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

Top
#278476 - 03/02/11 10:31 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: db04dan]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
Quote:

admiral FTW! me too!




+1
_________________________


407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

Top
#278477 - 03/02/11 10:31 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
come to think of it, so do i Adam!

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#278478 - 03/02/11 10:32 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
db04dan Offline
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Registered: 18/01/10
Posts: 3190
Loc: Essex
Quote:

Quote:

dont worry Adams just upset he was hoping for more boobs on the site




I feel deprived





i think we all do! the good thing is.. for every woman there is two boobs!

result! no one likes a sausage fest!

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#278479 - 03/02/11 10:39 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
Duncan_P Offline
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Registered: 09/11/09
Posts: 8421
Loc: Wincanton, Somerset
Quote:

Quote:

admiral FTW! me too!




+1




+2
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#278480 - 03/02/11 10:41 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: db04dan]
Stephlar Offline
I am the ephmeier

Registered: 07/03/10
Posts: 8643
Loc: Northamptonshire
Quote:

result! no one likes a sausage fest!


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#278481 - 03/02/11 10:43 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Stephlar]
Adam08 Offline
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Registered: 15/10/08
Posts: 15118
Loc: Harpenden, Hertfordshire
Apparently Steph does
_________________________


407BHP and 340lbft
TD GT28/32 hybrid turbo, 3inch decat, 2.75inch exhaust, air intake + large MAF, injectors, fuel pump, tubular manifold

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#278482 - 03/02/11 11:39 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Adam08]
Burn4 Offline
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Registered: 25/05/10
Posts: 8576
Loc: Birmingham, England
Dan, Adam and Duncan are you going round ruining all the topics tonight lol? just read 4 threads and they have all been useless crap from the 3 of you hahaha

As above both of those are pretty inconspicuous so i wouldn't bother if i was you. I haven't told my insurance company about lowering and my K&N lol
_________________________
My ST Mods

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#278483 - 04/02/11 08:42 AM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
wont include throttle body but i might do the axle spacers , few days yet, will have a think.

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#278484 - 04/02/11 10:06 AM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Kaxe Offline


Registered: 01/07/08
Posts: 8157
I wouldn't declare them at all. Not worth it
I've declared all my mods but I don't think an insurance company would know that the throttle body is 5mm wider
I wouldn't waste your time and money mate...

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#278485 - 04/02/11 10:44 AM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Kaxe]
Alex_H Offline


Registered: 01/03/09
Posts: 15061
Loc: SE London
I told mine that I was ading my only mod (K&N ) the day of renewal and they didn't charge
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#278486 - 04/02/11 11:15 AM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Alex_H]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
ok kaxe good advice! cheers

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#278487 - 04/02/11 02:29 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Kaxe Offline


Registered: 01/07/08
Posts: 8157

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#278488 - 04/02/11 03:50 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Kaxe]
H47PER Offline


Registered: 23/11/09
Posts: 4599
Loc: sheffield
and as for the TB, they would only know it was different if they took it off and measured it, referneced it against another one that was standard. but if you were in an accident and the damage was bad enough to have the need for throttle body replacing, i think it would be a write-off anyway as youd have lost your entire front end.

adrian flux got me my insurance through equity red star i think?, 4 mods added (K&N, flexi, wheels, grills), policy went up £0
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#278489 - 04/02/11 05:39 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: H47PER]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
ahh i will check them out

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#278490 - 04/02/11 07:51 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Alex_H Offline


Registered: 01/03/09
Posts: 15061
Loc: SE London
He missed the '9' before the '0'
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#278491 - 05/02/11 02:29 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Alex_H]
H47PER Offline


Registered: 23/11/09
Posts: 4599
Loc: sheffield
apparantley i can keep changing stuff for free until i greatly increse the performance of the car
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Chuck Norris is never late, the world is just early!!

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#278492 - 05/02/11 05:48 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: H47PER]
Dan_The_Man Offline
Site Supporter

Registered: 20/10/08
Posts: 7389
Loc: Eaton Bray, Dunstable
thats the only two bits my insurance dont know about on my car, trying to explain that to india is gonna be impossible!
_________________________
Red Escort 1.6LX
Then - Red Escort 1.4
Then - Silver Fiesta ST 170BHP
Then - White Fiesta ST MR200+
Now - Mitsubishi Evo IV Forged 2.3 500BHP
and Mondeo Mk3 2.0TDCI

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#278493 - 07/02/11 02:00 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
Quote:

I haven't told my insurance company about lowering and my K&N lol




you havent told them about lowering or k&n, bit risky...? do you like to live life on the edge

Admiral are trying to charge me 140 extra on my renewal next week for just Eibachs. I put on the quote i have Full miltek system and K&N as i think they are a must to declare and that was 100 extra for them both. not too bad at my age. But now deciding on springs


Edited by jakeward46 (07/02/11 02:11 PM)

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#278494 - 07/02/11 02:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Dan_The_Man Offline
Site Supporter

Registered: 20/10/08
Posts: 7389
Loc: Eaton Bray, Dunstable
mine has a K&N, exhaust/manifold and lowered 20-50mm cost £30 to add and im 22
_________________________
Red Escort 1.6LX
Then - Red Escort 1.4
Then - Silver Fiesta ST 170BHP
Then - White Fiesta ST MR200+
Now - Mitsubishi Evo IV Forged 2.3 500BHP
and Mondeo Mk3 2.0TDCI

Top
#278495 - 07/02/11 02:38 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Dan_The_Man]
jakeward46 Offline


Registered: 01/01/11
Posts: 258
your with admiral too? maybe its different over the phone i may aswell just call them

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#278496 - 07/02/11 09:16 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: jakeward46]
Dan_The_Man Offline
Site Supporter

Registered: 20/10/08
Posts: 7389
Loc: Eaton Bray, Dunstable
im with Elephant but the same company!

i always do a standard car on an online quote! and then add the mods when you talk to them on the phone!

if i put the mods into a confused.com search its always over 2k
_________________________
Red Escort 1.6LX
Then - Red Escort 1.4
Then - Silver Fiesta ST 170BHP
Then - White Fiesta ST MR200+
Now - Mitsubishi Evo IV Forged 2.3 500BHP
and Mondeo Mk3 2.0TDCI

Top
#278497 - 07/02/11 09:26 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Dan_The_Man]
Burn4 Offline
Site Supporter

Registered: 25/05/10
Posts: 8576
Loc: Birmingham, England
Quote:

you havent told them about lowering or k&n, bit risky...? do you like to live life on the edge




To be fair how can they prove I knew they were there before? I could just say thats how the car was when i purchased it and i assumed that was what a standard ST looked like.

Which "is the case here".

2 of my mates have claimed on their insurance in the past year and all the insurance company wanted to know was that they weren't ripping them off. They barely looked at the car, they didnt check any of their details (where they work etc) and they both had their payout
_________________________
My ST Mods

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#278498 - 07/02/11 09:30 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Offline
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Registered: 09/11/09
Posts: 8421
Loc: Wincanton, Somerset
Quote:

To be fair how can they prove I knew they were there before? I could just say thats how the car was when i purchased it and i assumed that was what a standard ST looked like




The insurance wont take ignorance as an excuse. The car is modified therefore your policy is invalid. You could get lucky and the car doesn't get scrutinised, or like in my case, they'll take a week examining the car to look for mods/reasons to not pay out.
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#278499 - 07/02/11 09:33 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Burn4 Offline
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Registered: 25/05/10
Posts: 8576
Loc: Birmingham, England
depends on the case I suppose. And also depends what has happened to the car
yeah i guess they would say that but in fairness it probably has happened to some people so would be pretty unlucky! (take the guy who registered on here with a "Fully standard ST" now found out he has full miltek exhaust, k&n and 60mm throttle body etc etc)
_________________________
My ST Mods

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#278500 - 07/02/11 09:34 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Offline
Site Supporter

Registered: 09/11/09
Posts: 8421
Loc: Wincanton, Somerset
Yeah totally dependent on the case. Was only something to consider mate, especially when it's so cheap to declare stuff anyway...
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#278501 - 07/02/11 09:36 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Burn4 Offline
Site Supporter

Registered: 25/05/10
Posts: 8576
Loc: Birmingham, England
it is if you're with a company that allows you to mod the car lol
I'm omitting certain truths in other areas so i'm willing to take the risk
_________________________
My ST Mods

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#278502 - 07/02/11 09:47 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Burn4]
Duncan_P Offline
Site Supporter

Registered: 09/11/09
Posts: 8421
Loc: Wincanton, Somerset
True, I dont know who you're insured with. Oh Fair play then
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#278503 - 07/02/11 10:00 PM Re: Insurance- adding throttle body or axle spacers ££..?? [Re: Duncan_P]
Dan_The_Man Offline
Site Supporter

Registered: 20/10/08
Posts: 7389
Loc: Eaton Bray, Dunstable
i had this with the repairer trying to screw me over! i wasnt happy with what he was going to do to my car!

i had a phone call from my insurance company telling me i had illegally modded my car...

the garage had told them my car had an exhaust system and was lowered over 60mm

(they say over 60mm's as they lined it up next to a standard fiesta and it was that much lower, stupid people not knowing the ST is lower to start with)

that was over a bumper scrape!

the insurance new about all the mods already though! they were just questioning how low the car was... which trying to explain to a women who noes nothing about cars that it only has different springs so cant physically be that low was a very difficult task!

the only reason the garage tried that was that when they saw the paperwork it said standard car as they must have got the original policy from when it was standard and i had added the bits later!


Edited by Dan_The_Man (07/02/11 10:02 PM)
_________________________
Red Escort 1.6LX
Then - Red Escort 1.4
Then - Silver Fiesta ST 170BHP
Then - White Fiesta ST MR200+
Now - Mitsubishi Evo IV Forged 2.3 500BHP
and Mondeo Mk3 2.0TDCI

Top
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