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Colin P

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Colin P last won the day on January 4 2019

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About Colin P

  • Birthday March 5

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  • Name
    Colin Prince
  • Car
    2023 Alpine A110 and an F56 Mini JCW for the laydee
  • Location
    Surrey hills

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  1. I was under the impression that the clam had to be loosened and shifted slightly to facilitate the windscreen replacement so it was always a "do it at the dealer" job so that they can facilitate that?
  2. Colin P

    Lotus Emira I4

    Yes Andy - one of the reasons the Alfa Giulia Veloce was so short lived with me. IIRC it red lined at c5500 revs and with 8 gears you were forever changing gear and could be in 8th at 40mph. OK if you are driving in Auto for a smooth ride, but I don't at least not in the Lotus/Alfa/Alpine. It all depends how close the ratios are and how well matched they are to the engine. I will say it again, the Auto box on the Evora was nigh on perfectly matched so I assume the same would apply to the Emira V6 given its the same box and engine, unless they have changed the diff ratio.
  3. Colin P

    Lotus Emira I4

    I'd agree @C8RKH. My Evora 400, as you know, was an IPS, set up really well and the gears matched well to the car. Only having 6 gears is in my mind right and keeps it much closer to the feel of a manual. Direct comparison to my Alpine which is a 7 speed DCT and I'd be hard pushed to say that they feel a lot different when driving at anything beyond 2 tenths. When pootling the Evora transmission could occasionally hunt a bit, which the DCT doesn't. On the other hand the DCT can jolt when manoeuvring. There isn't much in it. I prefer the 6 speed as it was really well matched to the V6, but both work really well. I'm definitely considering an i4 and one thing that does specifically concern me is whether the 8 speed transmission will be as nice as the 6 speed in the V6.
  4. You my friend are a loooong way from ordinary.
  5. The statement was sweeping and read on a natural reading implies that insurers generally do not manage their costs and don't care about managing their supply chains. I'm also aware that you are a naughty boy and intentionally elicited a response from me. I don't dispute your point in individual instances, just that on the whole a lot of due diligence goes into these arrangements and they are value for money. There are instances of people taking the piss in all industries and construction as a whole is pretty poor (you know my involvement in the cladding/construction issues). IT ain't far behind though, bunch of cowboys. 😜 I can't see the brand living on. I reckon you'll be on the standard Admiral product within 12 - 18 months. No shame there - we are.
  6. @C8RKH I was referring specifically to your assertion that insurers do not manage their supply chains and allow contractors to: "fleecing them out of thousands each claim, or, causing them to pay out more through inefficient, and lengthy repairs, that could be shortened." If you think that insurers do not manage their costs then you are mistaken. These supply chains are managed and on the whole represent not just significant savings, but they actually facilitate capacity to actually get repairs conducted and quickly. On the whole therefore they are financially beneficial, whilst also being beneficial for the customer experience. Clearly it went wrong in your case and it won't be isolated, shit happens - it would be far worse without these supply chains though - especially when there is a surge event and capacity needs to be scaled up and the only way you get this capacity is by calling on these arrangements.
  7. But all this does Andy is to prove that in this instance you don’t know what you are talking about. A lot of effort goes into these supply chains and they represent savings over costs incurred when customers select their own contractors. Yes sometimes things go wrong and you’ve clearly experienced this, but you can pretty much guarantee it will have been held to account. You are correct on the paintings, it’s a business so not going to be attractive to most personal lines insurers. There will also be a restricted market given the subjective value of art. Fine Art and Specie is specialist (read fewer markets = less competition). I get it, but put this another way. Someone’s house burns down. It costs an insurer £600k. Basic Buildings and Contents can generally be had for <£300 a year, even now. So someone has to have insurance claim free for 2000 years to pay for the one house fire.
  8. The comments about statistically insurance not being worth it is correct. Then again it is the whole principle of insurance. You divide the expected claims by the number of people that you are insuring and create a pool to pay out the one who has a claim. But because you are a company you need to then add expenses and, shock horror, profit. Therefore absolutely insurance does not stack up on a statistical basis. Right up to the point that you are the one who makes the claim. I don’t buy warranties, I’ll just run the risk myself, but when it comes to your house and contents @Kimbers the question you have to ask yourself is, if it burnt to the ground and you only had the clothes on your back can you handle funding replacing everything else at your own expense? Personally the answer is no, but as with my cars I just opt for the biggest excess there is, unless it has minimal impact on the premium. I also don’t buy personal effects, bikes, jewellery etc. just core buildings and contents. House insurance (ok pretty much all insurance) is increasing a lot at present, there are genuine reasons for it which I could bore you all with, but suffice to say a key measure is ACPC (average cost per claim), which for the last few years in property insurance has been running at between 15-30% each year, compound, and this needs to be paid for out of the premiums. Not nice, but that is how it works. @C8RKH just FYI in case you were unaware, More than are now Admiral, who bought the RSA book a couple of weeks.
  9. White label products can garner a different experience as the brand fronting it will be interested in their customer bases experience and be pushing the provider to perform. In some instances they may actually administer it themselves. There is every potential that Co-op run it themselves and Markerstudy are just the capacity provider. That said perception can be a big influence. I'm aware of a scheme where Air Source heat pumps were installed to replace gas boilers on a large scale. The occupiers were complaining that they were not heating properties up quickly enough on demand. Even when education around how to use the systems efficiently was provided the feedback was still poor. Eventually a "Boost button" was installed on the systems. There was witnessed an immediate improvement in customer satisfaction. The fact that the button wasn't connected to anything had seemingly no effect.
  10. There must be something specific impacting your terms that insurers are not keen on. A broker may be able to help you isolate what it is, they should be familiar with the rating factors if you quiz them a bit. If you can isolate it you may be able to do something to either change the cause or eradicate it (ie a particular modification could be undone, adding another named driver) Accepting generally that there is a large increase in prices this year (yet another loss making year for motor insurers last year, impacted by increased claims numbers and a massive uplift in repair bills and hire car charges arising from longer repair times due to parts supply shortages, shortage of repairers and a significant wage uplift for those that there are as employees demanding pay rises reflecting their level of demand - yes I do know something about this) this has generally been 10-20%.
  11. This is a little guess work, but my understanding for Pre-Reg cars/Demos is that the dealer has to have it for 3 months before they can sell it and this impacts their tax position if they don't (tax relief on demo vehicles). Perhaps this is longer on commercial vehicles. May be protecting themselves against incurring a tax liability. Regardless, if it were me I'd walk away.
  12. Dates are Friday 28th July to Wednesday 2nd August. Bit later than usual this year. Fortunately the guys are accepting of mon petite Lotus de francais and still letting me participate.
  13. Will be there in August with @C8RKH amongst others . Can't wait and the TT sets it up nicely.
  14. Costco if you can, believe it or not. They will give a 5 year guarantee and outprice the electrical retailers. Another vote for LG being good value
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