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nowhereboy

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Posts posted by nowhereboy

  1. How can you sell insurance at a loss? Surely they only make a loss if the claims outweigh the premium?

     

    If you're a broker.

     

    Typical arrangement fee is between £25 or £30 pounds, in year one that's all the broker will make and the rest will go to the insurer. The broker has to pay the comparison website around £50 (If I remember rightly) for each new policy sold and sometimes will cover part of the insurers premium too.

  2. Most insurers will load a policy with commission at renewal, best bet is comparison websites as most actually go through a broker and the broker will sell it at a loss in year one by covering a portion of the premium.

     

    Same as most businesses unfortunately, sell at a loss to new customers and exploit the loyal ones to make up for the short fall.

     

    Setting that aside tho prices have risen for many this year regardless of commission and tax etc , if insurers have paid out a lot in claims within the last year everyone suffers unfortunately. The amount of personal injury claims paid out due to "whiplash" etc is absolutely killing the industry.

  3. Much better than I was dude.

     

    Have good days and bad days to be honest but thankfully I'm past the point of spending all day obsessing over everything etc. I can live my life for myself now, I've been promoting the band, arranging/playing gig's and taking on more at work etc. I've also mastered a few guitar techniques that I've been wanting to learn for ages but never had the time.

     

    I'm starting to realize how stressed out I was living with my ex, constantly walking on eggshells and worrying about the relationship. So many times I've slept on the couch, or been locked out and had to spend the full day at work not knowing if I would even be let in the house when I got back etc, that's just no way to live. I'm starting to realize and believe that I never deserved any of that, I'm not perfect but I'm a good man, I was doing my best to fix things while she was creating drama, gas lighting, stonewalling etc. I accepted all the blame she put on me for it but looking back it's obvious her feelings had changed and she was just taking it out on me for whatever reason. I still have days where I miss her but I'm starting to try and develop a f*ck it, attitude.

     

    So yea, I'm up and down fella, thankfully I have a good support network and lot's of things to do that I couldn't do while I was with her.

    • Like 4
  4. Having a good slap around the chops with the old depression stick weilded by the misery monster at the moment.

     

    I'm getting sick to death of spending every day alone and doing everything alone and not having a vocal conversation with anyone.

     

    Everyone I have to converse with is always in a professional setting, university.

     

    Really hard work trying to make new buddies in your middle 30s. No one's accepting new members to the buddy club, and are maxed out with kids and girlfriends/wives.

     

    And to be honest, people tend to be wary of you - 35, single and no chums.

     

    I've given up on my set. I can't believe having a child renders you unable to text someone you've known for 25 years.

     

    Getting vomited from my relationship 10 months ago has really crimped by pipe.

     

    At least I have the voices...

     

    Where about's do you live fella? If your ever anywhere near Newcastle hit me up.

  5. Anything done after the car came off the production line is classed as a mod in the eyes of an insurance company. So optional extra body kits applied by dealers etc have to be disclosed unless the car was ordered as new with it fitted from factory.

     

    whether or not they notice is a different story obviously.

  6. On the roads, you can drive a 200bhp car as quick as a 400bhp car. I proved with when I borrowed the old R56 Mini and went out for a drive with a 400bhp 350Z. Nothing in it. Imho, on regular roads unless you are prepared to seriously risk your licence by going over triple digits on NSL roads, then there's not a lot of point going past 200bhp/ton. That's a real sweet spot.

     

    If you're never going to regularly track your Zed, I'm not sure an FI conversion is worth it. If you track it then yes, on the power tracks that extra grunt is lovely :)

     

    That's a good point.

     

    I've mentioned it on here once before but I once went out in a 600HP Supra and while it was completely breath-taking it was a complete license losing machine and I'm not sure many would have the level of self control to be sensible in something like that on the road.

  7. The type r and boosted z was me

    It's was wet and and he got on the power a lot easier than I could

    I've no doubt in the dry I would of been crawling all over the back off him

     

    However I think if you want to boost you z it's because you realy love it and don't want another car

    Or the decision would be simple just sell up and buy somthing else

     

    Ah I forgot you mentioned it was wet, that explains things.

     

    Maybe the old boy racer in me hasn't died completely but I'm always interested to see different car's performance from roll races etc.

  8. I must say I'm quite curious as too how fast a 400BHP Z feels in the real world.

     

    Unsure if it would be set your pants on fire, thrilling/fast as it's still a heavy car.

     

    What makes a "fast" car is obviously subjective, to the average Joe a stock Z is fast but you guys know what I mean.

     

    Edit - for example I remember a thread on here about the new Type R keeping up with a boosted Z, would be interesting to see how my 320HP ST fairs against a boosted Z from a roll, I'd fully expect to get murdered :lol:

     

    If anyone has a boosted Z and an airfield handy hit me up ;)

  9. Never got stopped once in the 350Z.

     

    Funny story kind of on the subject....

     

    I once went to a very big north east car "cruise" in the Z, their was a huge traffic jam of modded cars leading up to the meet and police cars were checking out cars near the entrance just off the roundabout. A policeman signaled me and I wound my window down, he said he would guide me out so I could get past the traffic jam.

     

    I laughed and told him I was going to the car meet, he was shocked, evidence a 350Z is still classy and doesn't have a chav image (just yet anyway).

    • Like 2
  10. I really need to get back in the gym.

     

    I'm a skinny dude naturally, currently a combo of skinny with a bit of muscle across shoulders and chest and a bit of a belly.

     

    I got in good shape for recent holiday with the ex but haven't bothered keeping it up. Any gains literally drop off me the second I stop training.

  11. Update - It's fixed.

     

    So after £400 quid for a new alternator and bonnet lock (common fault) "torque garage" in forest hall recommended it goes to an auto electrician.

     

    Last time I posted here I had the car back home and had drove it with no signs of problems, battery was fully charged when I checked it, then low and behold dead in the morning again. At this point I was starting to think the battery's just buggered but was worried about the overheating issue the garage mentioned so figured better safe than sorry.

     

    £80 later for an auto electric to check over the full car and he tells me he can't find a fault, no overheating etc and he states as predicted I need a new battery.

     

    New battery fitted and car has been running spot on ever since (fingers crossed).

     

    Fair to say I'm pretty unhappy with torque garage and won't be using them again, I'm convinced all it needed was a battery all along. Live and learn.

    • Like 1
  12. Ah I saw an old 2 door Type R scoob recently and it was brutal!!

     

    Never knew what all the fuss was about with these classic imprezas but I can see that now. The bloke was driving like a nob really (standard for scoob drivers), but the way it got around the roundabout was insane, never saw a car corner so fast. By the time I had got around the roundabout he was literally gone.

     

    I caught up later and the sound of the thing was insane, huge pops and bangs, probably running some sort of anti lag. Spoke to the dude and he claimed it was running 550 ish BHP. Can well believe it too. Made my 320BHP ST look like a toy car.

     

    Safe too say I was on pistonheads that night :lol:

  13. Dude that's not true!

     

    A road trip would be awesome but I have too much going on right now to think about it. Plus I need to sort out my finances and get my own place.

     

    You're completely right about not dating for a while, it will probably be at least a year for me too. I would only compare the new girl to the ex and that's not fair on anyone involved.

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