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Messages - kenniff

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The lounge / Re: Storm damage
« on: Today at 04:07:24 PM »
So you gave these guys some money - (a few hundred?). If your car gets nicked tomorrow they'll give you pretty close to what its currently worth.  Seems a good deal to me.

If you really hate them then just insure Third Party only.

General X5 Forum (F15) / Re: X5 Buying Advice Wanted!
« on: Today at 03:49:16 PM »
The grey colour is great for hiding the dirt! I had one and really liked it. Totally with you on the pano, makes a huge difference to the interior.

As others have said, the newer the better - no MOT, less likely to go wrong.

Have you driven any? Whether you go for a 30d /40d /50d or even the petrol one would be a choice made based on how important acceleration is to you.

Hope you find something to suit.

General Discussion / Re: Auto Light Sensor F15
« on: September 11, 2018, 03:18:59 PM »
Is it just me, or does the name "Gran Tourer" bring to mind a vehicle for an aged relative?

General X5 Forum (F15) / Re: Remap M50D
« on: September 03, 2018, 12:04:16 PM »
I worked in the insurance industry for 20 years and here's my tuppence:

Insurers all have their own rules - and so they differ by company.

Most insurers are wary of cars that have been modified (either to increase the value or to increase the performance) and will ask you when you apply for cover. Their questions will all be a bit different but are highly likely to be slanted against you - by requiring you to confirm that the vehicle has not been modified / modified to improve performance / had non-standard parts fitted etc...

If you have been asked and don't tell them, then - should they find out - their legal remedy is to void your insurance "ab initio" , ie as if it had never been.

There are probably lots of circumstances where you are involved in a claim and they don't find out and your claim gets treated  normally.... but you are running the risk. In general, the more serious the accident (in terms of cost to your insurer) the more effort will be expended on investigating it. Obviously, if the car is stolen and not recovered you aren't likely to have an issue.

If you are hit whilst parked or involved in some other kind of claim where the modification is not relevant, then they might not find out. However, just because the mod isn't relevant to the loss doesn't mean they can't void the policy. 

If they do void your policy / turn down your claim you can go to the Ombudsman and they'll need to show that they asked you a clear question and that your lying in answer affected their decision to whether to accept you or accept you at the terms they did. Therefore, if they can show that the question has been asked, and (for example as per Allianz) it says on their website  that they don't accept vehicles with a "Bluefin chip fitted", or they can show from their documented internal policies and procedures that they would have applied a higher premium or excess had they known.... then the Ombudsman will likely not be helping you.

To answer a related question, if you had no knowledge of the mod then you can argue that you had answered truthfully to the best of your knowledge and belief... which would stop them from voiding the policy (though they can ask you to pay the increased premium they would have charged.

The reality is that it is when the stakes are highest that you run a much higher risk of being found out (if you modify and don't declare). Personally, that's when I particularly want my policy to perform.

General X5 Forum (F15) / Re: Whining Noise
« on: July 31, 2018, 12:33:01 PM »
Try removing small child from back seat. Stopped the whining noise in my car.

General X5 Forum (F15) / Re: Ad blue
« on: July 13, 2018, 03:32:39 PM »
Much more convenient for me to make a short trip to my local petrol station versus booking the car into the dealers.

General X5 Forum (E70) / Re: No sound at all from pro hifi
« on: July 12, 2018, 11:58:48 AM »
Does your hifi continue to work for all other sources? I'd assume the link to Spotify dropped (happens).

General Discussion / Re: G05
« on: July 11, 2018, 03:04:09 PM »
That's really helpful! Took me 2 scrolls to realise what you had done, at first I just thought it was lots of pictures of the new car :)

Wouldn't say no though.

Newbies section / Re: Back again!
« on: July 10, 2018, 04:12:26 PM »
Your link takes me to Volvos.  :blink:

General Discussion / Re: G05
« on: July 10, 2018, 04:06:53 PM »
It looks nice - not all that different in terms of exterior looks - at least to me, though perhaps it would be more apparent when seeing them side by side.

Really don't want that glass gearknob though!

General X5 Forum (F15) / Re: Swap M50d for 650i Convertible?
« on: June 29, 2018, 05:01:31 PM »
I'd go for the convertible, partly cos the sun is shining and partly cos there's a new x5 coming out soon. Also I bet the new 8 series convertible won't be available until quite some time after the hard top comes out. Ideally you'd want to sell it next summer...

General X5 Forum (F15) / Re: Map north facing
« on: June 26, 2018, 12:48:41 PM »
Nobody? Looking again, there is a north facing option, but the map goes from side to side, rather than in the direction of travel.
I'm not following - what do you mean by "the map goes from side to side"? If the option youve selected is north facing and you are going East or West isnt that how its meant to be? Sorry if I'm missing the point.

General Discussion / Re: Tracker advice
« on: June 12, 2018, 10:02:57 AM »
There are 2 reasons to get a Tracker:
1. To save money
2. To stand an improved chance of getting your car back if it is stolen (it won't deter thieves cos they wont know you have it)

On the money saving aspect, the maths is as follows:
Keeping the car for 3 years, so tracker costs are £397 plus 168 plus £168 ie £733 or £244 per year

On the second reason, do you want it back? If you've bought under finance without gap cover then maybe you do as otherwise there is another potential exposure - the difference between your payout and what you owe the finance company.

If the second reason isnt important to you then go with the tracker if it saves you £244 or more on your annual car insurance.   Obviously, if you plan on keeping longer than 3 years the tracker cost per year goes down so yu need to rejig the maths, but you get the idea.

General X5 Forum (F15) / Re: Wing vents on f15
« on: June 12, 2018, 09:52:50 AM »
I've left them alone. Some people have fitted the X5M ones I believe. Personal choice.

General X5 Forum (F15) / Re: X5 40d fuel consumption
« on: June 06, 2018, 04:11:06 PM »
The brochure quotes exactly the same mpg for the X5  40d and 30d at 47.1 mpg for the "combined" cycle.

Data for the F10 is showing as 47 - 49 mpg, though I found this harder to find on the internet.

Given that your miles are mostly motorway the real difference in economy is likely to depend on how fast you drive. Whilst the X5 might be pretty similar in mpg to the F10 on some cycles, the difference will be much greater if you drive everywhere at speeds in excess of 70 mph. It is then that the effect of drag will count for much more, given the X5 is a brick on wheels.

Anyway, go on, you know you want to.


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