Rusty Crobar

10 hours ago, etienne1201 said:

Did you rolled the rear fenders? No rubbing issues?

Standard tyres and no spacers wouldn't rub on the back if you weren't running low suspension but I had to roll the arches. It was only a couple of hundred quid and nobody would ever know so nothing to worry about 🖒

9 hours ago, etienne1201 said:

Very nice! What are the spec of your wheels and your tyres?

 Fronts are 8.5 inch, et40, 3mm spacer and 255/35. 

Rears 9.5 inch, et40, 3mm spacer and 275/30

21 minutes ago, Big Rat said:

@Rusty Crobar Presumably the owner put his index plate in the car as this assists with the understeer as less weight now over the front axle 😂

🐀

With 285s up front he must do some speed before the understeer starts! His brother works there and has a modded M5.

For the record, I really like the standard wheels, just wish they were a bit wider! 

This is the owners rs6, which runs 700bhp and 285mm tyres all round!

My japan racing wheels were looking a bit tatty so I've had them refurbished at flat out alloys in cardiff. I changed the silver for porsche grey metallic with a satin finish and diamond cut spokes for a more OEM finish and to hide the dirt a bit better! Hard to do them justice in photos, they look even better in real life! 

Cost was  £500. All opinions welcome, except @Flytvr 😉

I'm running yellow stuff pads all round and have no complaints. They held up fine on track and work well when cold. 

I wasn't the one doing that sort of speed in the LC...

That's rich coming from you @Big Rat 😁

Welcome, you've made the right choice! 40mph must be torture! 

Had a great day, shame I missedyou though. The gsF is some car 😊

8 hours ago, Shahpor said:

I get what you are saying Russell, but how can statistics explain the same insurer charging more for an additional years No Claims when all the other factors are the same? The whole point of having a No Claims Bonus scheme is to reward drivers who don't make claims, so surely some logic should apply?

The short answer is because they want to try and make some money off you! Longer answer is that you will be getting a bigger no claims discount but this seems to have been outweighed by rises in other areas, possibly taxes and other boring industry stuff but it could also be just for profit.

The industry is broken, to get to the top of price comparison sites insurers have to offer loss leading prices and then add massive price rises at renewal just to stay in business. It is very annoying 😡

Insurance rating is incredibly complex and based on 100k of thousands of claims over a long period of time. On top of that each underwriter uses their own calculations in get a competitive advantage which results in wildly different prices. It is impossible for people like us to work out as it is not based on logic it's based on statistics. Whether you like it or not the price you pay represents your level of risk based on a combination of around 50 different factors.

Having said that I do know that comp cover is cheaper than basic cover as sensible, safe drivers buy comp and dodgy people who don't care about their car get the legal minimum! Those people cause more accidents which is expensive for insurers. Obviously this is a generalisation but that the nature of mass statistics. 

Believe it or not it is a fact that people who make a non fault claim go on to make more claims than people who make a fault claim, if that makes sense. Who knows why but it is a statistical fact! Which is why your price goes up so much after a non fault claim.

I would never defend the insurance industry but it's worth remembering that almost all insurers pay out more in claims than they take in through your premiums. They only make money through sidelines like selling breakdown cover or home insurance etc. The real scam is the fraudsters and personal injury lawyers who drive up claim costs. The government has also tripled insurance tax in the past few years😔

5 hours ago, Flytvr said:

Those wheels look much better!!!!

I'm suprised you can see them they are so far within the arches! Wait until you see the new ones...

1 hour ago, Flytvr said:

Yep. GSF is a big car. 

RCF prices in the 25k mark within a year.

Unbelievable value. The gsF is too big for my garage so I'm going to have to factor in the cost of a new home when I upgrade! 

@Big Rat it does look stunning, how does it drive?

59 minutes ago, Big Rat said:

@Rusty Crobar So talking of wheels I can home from work the other day and found this bad boy keeping my baby company 😂

Not a bad set of black wheels either.

Your local drug dealer popping round? 😉

2 minutes ago, Spacewagon52 said:

I hear black is the new silver.

Brown is coming back though!

I spent 3 hours cleaning both my car and the wife's. Her car is a dream to clean compared to mine, I hate cleaning black cars 😝

God, I love this car (even on the drug dealer black wheels while my other ones are being refurbished).

12 minutes ago, Mark G said:

You should have sent the window up, trapped him and took him for a spin, drop the window on a roundabout...........................happy days.............

 

 

Good job I didn't, he walked straight in to my office after!

Had some fun on the way home today trying to follow 2 big capacity bikes on the dual carriageway. They would have left me behind but for the heavy traffic. Got a thumbs up from them after 😎.

I also had a random pedestrian poke their head through my open window this morning and ask me to rev my engine for him! Obviously I didn't disappoint 😂 

#publicservice 

Yes, the excess is only payable if you claim for your car not for 3rd party claims. It prevents insurance companies paying out on small claims. 

You can't do anything about the fixed excess but you can changethe voluntary. 

Basically you can have the highest excess offered by your company and still be insured but if the excess goes above the value of your car then you'll never be able to make a claim! This usually happens on old bangers, a full comp policy with a massive excess is usually cheaper than tp,f&t.

Top wife there @Mark6pot! Mine gave me half the money to buy my car, she's a keeper! 

@Big Rat do you want to explain the various benefits and drawbacks of the different bushes? For the lower control arms that is...

Bmw z8

Reviews of the new CS spec M4 are positive, including the noise. It is £90k though 😨. I'm sure it is a wonderful car and it does look great, but you could say the same about my £16k F! 

@Flytvr you would think I would have learned my lesson but I was pretty sure the Welsh police can't afford new M3's 😃