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Depends who you're with really. Engine mods like that and you're insurance company will want to know what difference in power it makes - normally as a percentage. You're not gonna be getting much increase from a filter alone so probably not much ££!

Aye that'll be me - got FiestaSToc sticker on the back window, M60 ring sticker too - I'll give you a wave if I see you then! Am up there every night of the bloody week - lol.

^^ Not worth the risk mate, if they can get out of paying out - no matter how small or over a technicality - they will.

I'm sure I've seen you driving/flying about in Orrell mate, the GF lives there! Never clocked you being on here till now though. Nice motor!

Tidy! Subtle looks too.

Didn't know the french ones would be unlocked. Might have to make a trip across - just a shame they aren't 3G.

Looking at high the Focus is as standard I'd say that was probably 70mm drop! Like the alloys in the last pic - they'd fit my car too! ;)

^^ Nice. What interior is that though? Custom jobby?

Aye gotta agree - looks a million times better as it is now! :approve:

Autoline was the one I was thinking of. They do all of Foxfield's repairs AFAIK. Thanks again mate.

lol - I didn't feel overly impressed, have heard the name banded about as well - so they have a bit of a reputation! Any suggestions? Have heard pretty good things about Century Auto Repairs in Aston-in-Makerfield and also that bodyshop on Miry Lane ind. estate?

Ad - Thanks for the reply, good to get another independent opinion on the whole thing. I need to find a decent, local repair place also - Karl Vella doesn't fill me with confidence tbh. I need a night now to ponder what I do next! Thanks for the responses guys, bin very useful!

Mike - that is awesome. Depending on how things go with my current car I'm seriously considering selling up and getting one of these. Only the interior lets them down IMO.

Nice one Giles! There'll be no hanging around at the back of NW convoys in that will there! ;)

The cost of a new panel is about £300 more expensive than repairing the existing one. Both are considerably higher than my excess however. :( Like you said though, it might be cheaper for me to pay out of my own pocket than go the insurance route.

Pics of damage:

Cheers Ad - email is on the way. The excess on my policy is £400 also. I'll get some up on here too and hi-light the damage. You're right - it is tricky, I'm really not sure what to do now at all. Have been advised to wait until liability is confirmed before I get the repair done.

So what was that about then mate?

Hmmm, whats the MPG like on these? Are they as thirsty as a 1*2 given that they aren't far off in performance?

They're based in Orrell - just behind the motorbike place? Arrrrgh - I'm not sure what to do tbh. I'm damned if I do - damned if I don't. I'm going to get it repaired ASAP - not sure how yet but I think that will make it easier as it's fixed then and there's none of this "it could cost up to...

Ad - Unfortunately I didn't protect my NCB this time - have only just reached 4 this year which is the lowest you can protect, but I chose not to as it was an extra 200quid! I know what you're saying about the panel - but for all the places I've been to they've all said it's 50/50 whether the...

^^ lol, I'm from Wigan too mate - no offence taken mind. ;) I've had an independent insurance investigator out in the meantime, had an interview, took photo's of the damage, photos of where it happened etc. Basically, it looks as though I'm going to have to pay out my excess and get the car...

BillG - Thanks mate, that info is really helpful, thanks for the advice! :D I'll have to weigh up my options and see what'll work out best - thanks mate. Ad - I got some quotes done yesterday yeah, went to the place in Orrell you suggested ages ago but apparently the guys have retired? Tried...

Thanks for that info BillG. I know who his house insurance company is but he refused to give me his policy number - not sure if that's enough info or not. I'm also not sure if I'm the one who should be doing all this chasing or my insurance company? Also - I reported the accident to the police...

^^ I doubt it. I'm fully comp and have all the extra legal cover bells and whistles but at the moment it looks like it's pretty much worthless. The way I see it at the moment is it's a similar situation to if someone who crashed into me in a car - but they didn't have insurance.

I am 100% sure I was indicating - I always do. How do I go about getting a third person statement? Is it something I have to do, or my insurance company? Thanks for the advice so far guys.

^^ Yeah that's what I figured. I don't want things to get ugly tbh - I do kinda feel sorry for the old fella, but at the end of the day he pays or I do, and it wasn't my fault. Admittedly, the repair estimates I have are more than I expected - but he's now using the "we're pensioner's, we don't...

Yeah - luckily there was a witness. Furthermore, he actually went over what happened on the scene and told the cyclist he was at fault. I was indicating yes, was probably stationary waiting for oncoming traffic to clear for up to 10seconds, sat just to the left of the centre line waiting.

Update: He's now denying it's his fault and saying it's 50/50 at the most. I don't see how I've done anything wrong tho?

Here's what's happened... I was driving back home from GF's house and was waiting to turn right from the main road onto our road. I was waiting for oncoming traffic to pass - i.e. stationary and indicating to turn right. The oncoming traffic cleared and I began to move off - literally just...