The Master Plan - Need opinions - Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars

BA GT-HO · 11-15-2003, 22:42

I have been debating whether to keep spending money on my EF or not. Having shelled out for lowering, exhaust, audio etc I am pretty happy with it now. But..

I am so pissed off with the company that insures the EF right now. I rang them asked if putting an after market exhaust system on the car would raise my premium or excess. I was told no, you can do 3 mods to your car without any problems as long as you send in a reciept and have it done by a pro not yourself. So I got the exhaust done. I got the birds name down and her office number just in case something changed. Cool I thought, exhaust, lowering and mags that will do for now.

My how things change. I was informed a week ago that my excess has gone up $900 because the company was bought out and the policy had changed regarding mods. Game over for mods... If I add more mods the car will almost be uninsurable I am told. Even DBA Gold discs.... WTF The final straw was the car is insured at market value - i was told otherwise before.. So market value means I will get nothing for it if something happens..

I am locked in with this company until March next year as the car is under finance...

I am now considering buying a Series II AU Forte to play with. Why?

1. Cheap, dirt cheap. - example:

(dealer ad)
MAKE/MODEL: Ford Falcon AU II
YEAR: 2000
PRICE: $10,850.00
BODY: Sedan
EXTERIOR COLOUR: Grey
KM: 108,000

Series 1 AU fortes are even cheaper... they vary from $8500 - $15000
No idea why they have dropped that much because to me there is nothing wrong with them!? The styling is different but this car will be all go no show. Stockies, no kit no bullshit just a strong engine to blow away all the Holden wieners/ricers.

2. Low Km engine suitable for unrestircted mods (big ones not just the usual ones) Walkinshaw can give us a hand with his forced induction knowledge...

3. Series II Fortes had CD Player, Alarm and bullshit like that standard as Ford were trying to sweeten the deal for new buyers. Plus a few bugs had been ironed out since Series I.

4. My Ghia has done 200,000 now so internal mods are not really worth the money long term as the car will depreciate big time, plus mods will not be possible until next year at best... With the Forte I will pay cash so no finance, no bodgy insurance i will hunt down a decent company that are not scared of mods like adding DBA Gold brakes to help the car stop BETTER......thus avoiding a claim!

Sorry bout the essay I am just pissed at the moment with my insurance wankers.

In summary: Buy cheap AU, spend money that I saved on more power for engine!

Supa R00 · 11-15-2003, 22:52

what r u going to go.... turbo or supercharged? sounds like alot of fun either way!!!!!!!

Mother Nature · 11-15-2003, 23:32

Did you know that a finance company cant force you to insure with anyone .......... you must have insurance ...... but you DO NOT have to go with the insurers they tell you to.........

My advise is to get a few quotes & let the finance company know who your insured with .......... thats if you decide to keep the EF. You may have to pay a small cancelation fee but you will get pro rata payment for the rest of your policy term.

:fairy

The Goodz · 11-16-2003, 00:16

As I always say, don't mod it if you know you're gonna sell it. Something tells me you want an AU, and I think you're gonna end up with one. I don't understand why people base their choice of vehicle on insurers. Go with a company that allows you to mod your car, because when you buy you know you will in the future, so you have to plan ahead. Insurance companies are the biggest stupidest most illogical bastards on this earth, so you have to be prepared for it.

If you're gonna sell it, I reckon take off all the good bits and sell them separate, because they won't make a bit of difference to the resale of your car. Maybe even get a good trade in for it.

Alex

BA GT-HO · 11-16-2003, 01:10

Nah I aint gunna sell the EF I like it too much! That will be the run around car whilst the AU is being worked on in the shed! Goodz - the insurance company was fine with mods at first but then they changed policy 6 months into my contract! You can't help that...

SmokedEB · 11-16-2003, 01:34

how did u find an AU so cheap? If they are priced like that then ill get one of them as opposed to a EF. AU2 has so many goo features with out alot of the problems asscociated with the E-series.

back2thefutura · 11-16-2003, 02:39

AU's go dirt cheap at ex-government auctions. There's one down here every Wednesday night, quite literally you can pick up a VY S or SS for around $30K with less than 40,000 on the clock.

Just outta interest - what insurance company was it that screwed you over? I've heard Shannons are pretty good with modded cars.

And DON'T sell the EF! I love my EF's!

XRated · 11-16-2003, 02:40

Quote:

Originally Posted by SmokeEA

how did u find an AU so cheap? If they are priced like that then ill get one of them as opposed to a EF. AU2 has so many goo features with out alot of the problems asscociated with the E-series.

Yeah! Come on, spill the beans.

I have also been considering an AU for a while now, but I think I might just keep my ED and see how she comes along with some mods. I can't part with her yet

Low Na · 11-16-2003, 13:21

Just a thought, if you are locked into a written contract, then wouldnt the insurance company also be, ie, they cant change the contract terms........ if they do, then they would be breaking the terms of the contract.....

BA GT-HO · 11-16-2003, 18:16

Low Na - it is all in the fine print unfortunately so I am stuffed. I am with Swann insurance.

Spill the beans! No beans to spill! - look in your trading post or autotrader.com there are hundreds of AUs for sale from anywhere between $9000!! - $19990 for a brand new Series III one from a dealer with like 20,000kms on the clock. I was just having a look last week through the paper and realised how stupidly cheap they were in terms of value for money. They can't sell em!?

A dealer here has 44 AUs waiting to be sold! Series III AUs with under 50,000km are going for between $13k - $16k.... Crazy

Whereas a VT II Exec is still $18k in the same yard