Atthelimit

Lotus Drivers Club Member
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Everything posted by Atthelimit

  1. Looking forward to it Eddie, will be taking the covers off the Elise tomorrow, see you there. Jules
  2. Atthelimit

    New member

    Hi and welcome to the club, Plenty going on nationally on the events page and for you perhaps if you contact Ian at i.rymer@lotusdriversclub.org.uk who runs the Wessex area group and he can put you on his mailing list. He is based near Poole and they arrange a lot of events in your part of the world and surrounding areas. Go Enjoy! Kim
  3. Atthelimit

    Lotus Christmas Presents

    Santa brought me lots of nice goodies for Christmas as I have been a very good boy! In the Lotus selection there were, Lotus cufflinks, Lotus slot car, Lotus Ford Thames Van, yes really! and a magazine from the early 80s featuring Lotus Elans, inside there is a spread of a young looking Malcolm Rickets extolling the virtues of Elans. The magazine was a present from an "uncle" Santa and they had no idea that we know Malcolm very well, what a nice coincidence. What Lotus goodies did LDC members get? Kim
  4. Atthelimit

    2019 MSVR Elise Trophy

    Ditto that, its a shame the first date conflicts with the LDC AGM, but it will be most likely be wet and cold and a Sunday roast and open fire at the Stagg wins this one for me I think.
  5. Most of you will be familiar with "askmid" but not so many will know about askmid-roadside. Google it and save the website in your phone. If you are involved in an accident you can find out if the other party is insured and the details of their insurance company. It's important to have this in your mobile, a couple of years ago we were involved in a hit and run, but we managed to get his registration number. We were then able to contact his insurers even though we never spoke to their driver. Things like this happen very quickly and without pen and paper we were able to punch this in and find his details. It's also very useful when someone who does stop but won't give you their insurance details. If you look on a desktop computer there is a £4.00 search fee, on a mobile its free! Unfortunately the Christmas and the New Year period is when a lot of these incidents happen as people don't stop if they think they might be over the limit. If you can grab their registration number before they disappear you will have a fighting chance of making a claim against them. But please also remember the golden rule of non fault accidents, registration numbers and witnesses first. Witnesses don't often jump out to help, they are too busy trying to get around the accident to get to work, pick up the kids etc. If you let them go without their contact details you have lost them for good. At fault drivers who admit things at the time have been known to change their story later, without witnesses you are sunk. Even if they ran into the back of you, they could change this to "you got the wrong gear and reversed into me", the damage would look the same and without witnesses you can't prove anything! Mobile Phones, use them, take photos of the damage to all cars, the road layout, the other driver, and use the video or voice recorder to capture their " I'm sorry" speech, it will all help you if the claim starts to go sour. Have a safe and accident free Christmas. Kim Routen Chaplin Insurance
  6. Atthelimit

    Midlands Area Christmas Meal - 8 December 2019

    Looks like I'm going to have a new wife by then! But if not I will bring Jules instead. Kim
  7. I have spoken to Dave, unfortunately I don't think we will be able to do the full weekend but he is saving me a slot on the Zip wire, I will shoot up for the day, do the Zip wire thing, have lunch and wander back. I think lunch afterwards is a good idea to avoid any blowback! kim
  8. Happy Christmas to all, and may Santa bring you lots of Lotus goodies. The office will be closed: 24th December, 25th December, 26th December, 31st December and 1st Jan 2019 The KGM 24 hour claims unit works throughout and should you need to contact them please call 0333 555 5909 Kim Routen Chaplin Insurance
  9. Winter Tyres may not be an issue for your Lotus, but it seems that more and more people are fitting “winter tyres” in time for any bad weather on their “normal” car. Having driven on these myself I can see the benefit; the car is better controlled and can reduce stopping distances considerably. I would suggest that you advise your insurers as these tyres may not have the same speed rating of the standard equipment. We generally find that if the tyres are of the same dimension’s as the standard equipment insurers are normally ok about this, unfortunately one or two do take a different view. It’s worth checking with your insurer before spending the money only to find its not acceptable to your insurer or they want a large extra premium! Speed Awareness Courses are offered to drivers who have been found to be speeding. Most people offered the course jump at the chance, no points on your licence, no fine and no load to your insurance premium. But that is NOT always the case! You might have only been “a little bit naughty” but never the less you were speeding and some insurers consider this to be a material fact. A material fact is, “anything that might influence the acceptance of the policy or influence the premium should be disclosed to your insurer”. The good news is that most take the view that as you weren’t convicted of the offence they will not penalise you. However, there are one or two that do, and it seems that some of the “direct” insurers are choosing to load premiums. However, please don’t “forget” to mention it as failure to do so might invalidate your cover, but, if the company you are with do intend to load the premium you should seek alternative quotes.
  10. Eddie, think we're gonna need a bigger table!! Looking forward to it.
  11. Atthelimit

    Abandoning a supercar

    If they need someone to go out there and round them up, they can give me a call!
  12. Atthelimit

    New Tyres

    l0tu5, I think my last set of Yokos came from Black Circles or might have been Tyres on the Drive. Like Ian said, as long as its a good tyre it doesn't matter who sells it to you. From past experience I found it cheaper to buy the "fitted package" than then trying to find someone else to fit them as it can work out more expensive. Kim
  13. On most classic insurance and most bespoke schemes, you may have elected for a mileage limit on your policy. The mileage limit reduces the premium you pay but they do become a condition or warranty of the policy. Do not exceed these limits as it will invalidate your policy and cover will be void! On vehicles that have MOTs it is easy for insurers to check your mileage year to year, if you say you only do 5000 miles a year but the MOTs say 7000 or your milometer reading at the time of an accident shows you have exceeded the limit, you are in trouble. Insurers can and do reject claims, not only the damage to your car but if you damaged someone's car by running into the back of it, you could be liable for that cost as well. Our own limited mileage Lotus policy does allow you to increase the mileage if you are running short, this summer has been great and we have had a number of requests to do just that. Please be diligent, an innocent mistake could be very expensive and leave you without cover. There are no grey areas here so make sure you stay within your limit or extend cover if need be. Kim Routen Chaplin
  14. Chris, Thanks for the comments, I think I sent something in a while back and it didn't make the editors cut. Insurance is a bit boring, no one wants it till they have had a bump, and us mortals that work in it are often thought of as sharks or worse, lower than estate agents! So I'm not sure longer articles are required, I'll keep dripping information here if it seems relevant, short and sweet. Next up winter tyres and speed awareness courses? Watch this space! Kim
  15. Key-less entry on cars was once the preserve of Range Rovers, BMWs and Bentleys etc, but you are now just as likely to find this on a Ford Focus, Toyota Prius or a new Mazda MX5. Whilst this nifty innovation is no doubt convenient, it has also presented car thieves with a golden opportunity to steal cars. About 20 years ago, car theft was a major problem and manufactures improved security with immobilisers etc. Thwarted by not being able to hot wire cars, thieves started to break into houses to steal keys or fished for them through the letter box as many of us leave them just inside the door on a convenient table. (Don’t) However, with keyless entry they now use a signal scanner and with a range of between 5 and 20 metres, they can stand outside your house as the scanner can transmit through doors, windows and brickwork to pick up your keyless entry information and clone it. Your car door is opened and with one press of the starter button they are literally “Gone in 60 Seconds” or less! Car theft increased significantly in 2017 and again this year and the up turn is attributed to keyless entry. Because of the vulnerability of keyless entry cars, some insurers do not wish to quote for them and some will increase the premium meaning you may pay more than you would for the equivalent car with a normal key. However, you can defeat thieves with some very low-tech solutions, the simplest way is to place your “key” into a metal tin. This acts as a Faraday cage and the scanner can’t pick up the signal, you could even wrap your keys in tin foil and it would have the same effect. Old fashioned crook locks saw an increase in sales as owners realised their vehicle was at risk and this low tech device would deter thieves. You will find bespoke key protectors for sale through the likes of Amazon and E-bay and also wallets and card holders to stop your credit cards being scanned in the same way. These are a cheap, simple and an easy way to protect both your digital information and car and are well worth considering. Kim RC Insurance
  16. 6. Jules, Kim and Lottie (no food for Lottie)
  17. Atthelimit

    East Midlands Area Meeting - Clock Warehouse Pub, Shardlow

    Thanks Alan, we'll be there 1. Jules and KIm
  18. Great show, well done LDC to all the car owner's, stand staffers, cake makers, regalia sellers and the volunteer talkers. But, of course a special mention for Chris, our IT technical guru, drone pilot extraordinaire and now fully qualified Barista! Well done everyone, great effort all. Kim
  19. Atthelimit

    Consumer Rights and Faulty Cars

    A client of ours who bought a "near" classic car from a dealer has just had his money returned in full after finding a major defect. The car in question was a 2001 Subaru Impreza, a car much revered in its day and prices are rising for good examples as collectability takes hold. The car was bought over the internet from a classic car dealer sight unseen, not something I would do for a £10K car but some people do. On collecting the car it looked great and drove well and came with a full tank of petrol, what could go wrong? Having picked the car up mid-week it was not until the first weekend when the buyer had chance to have a good look at his new toy. Getting it up on axles stands to remove the wheels he discovered some rust, not a little bit of surface rust but some pretty major structural rust. This was not the car he had been expecting. The consumer rights act 2015 states that the object, in this case a car, must be "fit for purpose" be "of satisfactory quality" and "as described". This car would fail on all three counts but as you might guess, the dealer was initially "reluctant" to refund the client. However, the act goes on to state that you have a right to reject something and are entitled to a full refund within 30 days of purchase if any of the above criteria are not met. So, you need to act fairly quickly as the short-term right to return goods expires after 30 days but in this case the client did act quickly. The car had been described as "excellent" when clearly it was not, was not fit for purpose as the car was in fact in a dangerous, and even though the act allows some discretion on "satisfactory quality" because of the vehicles age, this car would not have passed that test in this instance. With the aid of his local Citizens Advice service who pointed out the situation and that should the matter proceed to court the dealer could be responsible for court costs, they, "as a gesture of goodwill" decided to take the car back and fully refund the buyer. It's good to know these things but beware, the protection for cars bought privately is much more limited and revolves around the car meeting the legal requirement to be driven on the road, the buyer shoulders the responsibility for "fit for purpose" and "of satisfactory quality" so you need to be much more careful when buying privately. A good result for the customer and a lesson learnt. Kim Routen Chaplin
  20. Just heard back from the Motor Hub. They have 5 disabled spots so we are good to go. Booked in, it will be good to blow the cobwebs away. Kim Is this the start of a list?
  21. I have visited the Motor Hub and there are some great cars housed there and the sales department always has a selection of great classic cars / bikes / racing cars on offer and nice rooms to investigate. Last time I was there they had a lime green Lamborghini Miura and a Ford GT40, two of my favourite cars ever! It's slightly difficult to find as its a long way down country lanes once you have turned off the main road but well worth the effort and the £5.00 entry fee which on this occasion is for a good cause. I have only been there for work and have not been on an event day like this but I know it gets very busy. You cannot just turn up on the event days so you must book but you won't be disappointed. They get booked up pretty quickly so if you want to go, book now! We would have Lottie with us and the "classic" blue van might not be to their liking, I have e-mailed them to see if we can park round the back out of sight so to speak, if we can we will go as it is definitely on our list to do anyway. Hope this helps. K .J. L.
  22. Atthelimit

    AGM at The Stag Redhill - 7 April 2019

    As a long time LDC member I have seen many AGMs come and go. Whatever venue or day or time chosen there will always be people who cannot attend. I have not been to some because I used to work on Saturdays and at other times we have been away and so on. I have even been to LDC AGMs in the past where the committee members out numbered the attendees and I think it is a tribute to the committee, its area leaders, volunteers and enthusiastic members that the club has made such progress in recent years that the AGM is now regarded as an event to attend, rather than to avoid! The Stagg as a venue is fine, I am sure the room arrangements can be resolved in the spirit of goodwill that now exists between the clubs rather than the warring that was evident some years ago and I am confident that if the boot were on the other foot, LDC would assist Club Lotus in the same manor. So we are left with "the proof of the pudding" and that of course will be tested in due course. Personally I don't think so many will attend, the promise of food, AGM and more food has proved popular and of course this will not be on offer this time around. But, if you never try anything new you don't know what the results will be and it may be the Stagg venue time and date suit an audience that a weekend especially on mothering Sunday does not. Seriously though, if it does not work, it won't be repeated. There are lots of suitable venues to choose from and with more forward thinking I am sure we can manage to miss Mothering Sunday! Once upon a time LDC had an "official" season opener, normally held in Stow on the Wold, pretty little town, central location and lots of pubs and cafes to get food in, it was just a social event but always well attended as people liked to meet up after the winter months, perhaps we should re-invent it? Kim
  23. Good news for insurance premiums. No change in IPT This is the bit (currently 12%) that is charged on all insurance premiums which then goes directly to government. Its been popular to increase this in previous budgets so it was a surprise that it was left alone this time. Unlike VAT, IPT cannot be re-claimed by businesses and so it has been something of a cash cow for chancellors.
  24. Atthelimit

    Caffeine & Machine Opening - 27 October 2018

    Mmmm.. interesting good? Looked at w3ebsite but can't see when its open. Is it only special events etc?
  25. Atthelimit

    Caffeine & Machine Opening - 27 October 2018

    Better get there early then! Let me know what you think, obviously its not too far away from us to pop over when the interest has died down a bit. Kim