View Full Version : Not bothering to declare your mods?
Then expect your insurer not to bother with your cover (http://www.bbc.co.uk/news/uk-england-essex-11717295)
Judging by that report, it was only wheels, suspension, and the odd body mod as well :roll:
Insurers can cancel youre insurance even if you have extra gauges inside the car, even if they dont give any bhp its still considered modified!:eek:
A lad i know had his Ka'k crashed into by another driver, and the insurance assessor tried to argue that because it had a local cruise sites url stickers in the quarter windows they classed as exterior decorations/modifications and as the car was actually standard and declared as such they came under the category of window tints and tried to invalidate his insurance and therfore put blame onto him:eek:
having cruise url's is so fukkin tragic
angusl2006
15-11-10, 08:41 PM
there is no point in declaring mods...aslong as the police rnt gonna do u for having no insurace. in the long run if you crash or sumthing what is the likely chance of an insurer bailing you out...? serious question!
there is no point in declaring mods...aslong as the police rnt gonna do u for having no insurace. in the long run if you crash or sumthing what is the likely chance of an insurer bailing you out...? serious question!
http://t2.gstatic.com/images?q=tbn:ANd9GcQ-rHWZG6CrtZR84qJsIGv2x8sLXAac52re_iee2ZiysbG_bE2M
there is no point in declaring mods...aslong as the police rnt gonna do u for having no insurace. in the long run if you crash or sumthing what is the likely chance of an insurer bailing you out...? serious question!
:tosser:
same as fronting, if the insurance company can prove it then you wont get paid out. if the insurance company are looking at a multi million pound payout (easilly achieavable now days with personal injury payout/scams) then im sure a few thousand on an investigation could be worth it
personnally insurance should be the main thing you get absolutley above board - i havent in the past and have both got away with it and been stung by it
You must spread some Reputation around before giving it to Andy again.
Draper +1
there is no point in declaring mods...aslong as the police rnt gonna do u for having no insurace. in the long run if you crash or sumthing what is the likely chance of an insurer bailing you out...? serious question!
Are you taking the piss or are you just on crack?
Joe Richardson
15-11-10, 08:53 PM
It's all to get more money from you,robbin *******s :mad:
General Baxter
15-11-10, 08:56 PM
they should make it, so if you have a personal claim, you need to have the cover, (personal health cover) so it can claim of that,
have have a NCB for that aswell, that will stop all the wip lash clames
angusl2006
15-11-10, 09:03 PM
haha....ok people chill.
before all this light abuse this was my thoughts as along with ALOT of people i know, however this has changed...on the insurance i have now on my nova i have declared everything, however on the van im about to insure i wasnt going to say about the different ford alloys that have been put on...however i will soon change it! but come on...how many people declare everything...even that url sticker?
me,but i dont have ghayhat URL stickers,my nova is a car,not an internet cafe
so the shipment of PNG backwards pedals have arrived lol
thought rob was hogging them all
so the shipment of PNG backwards pedals have arrived lol
thought rob was hogging them all
AFPMSLOLING! lol
so the shipment of PNG backwards pedals have arrived lol
thought rob was hogging them all
here they come lol lol
http://t0.gstatic.com/images?q=tbn:ANd9GcQ4yjP0_yESM9KBCzIW51XMdPv2tSlEQ XJEsfsnGzqGE8AvUNdjTQ
angusl2006
15-11-10, 09:06 PM
ha...fair play like. sh1t happens i know but touch wood the nearest im gonna get to crashing will be up a back road...by myself like normal on a quite scotland road in the middle of know where and is simple...quick call and its picked up on the trailer. but alot of people on here are from over the border... lesson learnt people, do you accept appologies or is just more abuse?...ill soon find out eh
Pistol Pete
15-11-10, 09:08 PM
I didn't declare on some previous policies. After an accident, the assessor came out didn't pick up on anything. Granted I swapped the wheels, induction kit was sold etc. But after that close call I declared everything. However a URL sticker seems abit ott IMO.
If you cant afford to declared your mods, dont mod :thumb:
they should make it, so if you have a personal claim, you need to have the cover, (personal health cover) so it can claim of that,
have have a NCB for that aswell, that will stop all the wip lash clames
I agree, because everyone bangs a personal injury claim in, no matter how minor the accident was.
Pistol Pete
15-11-10, 09:57 PM
If you cant afford to declared your mods, dont mod :thumb:
Here here. In reference to my above post, I was 18 and bloody stupid!!
Here here. In reference to my above post, I was 18 and bloody stupid!!
Wasnt picking anyone out mate, i was just saying in general :thumb:
I've told my insurance before that i'm changing to another Gm based alloy..
Just incase. As ingornance(sp?) isn't bliss and hasn't been for along time.
Mine got a few things i've never had, as i was thinking of fitting them.
its all good untill you look @ the insurer "we dont cover modifications"....bugger
I agree, because everyone bangs a personal injury claim in, no matter how minor the accident was.
Tell me about it, I went into the back of someone in may, £275 of damage (and I think even that was high for a scratch in the bumper) that they tried to get £1300 out of me for, so I told them to fcuk off to the insurance company and I'd pay it through them to keep my ncb, it's still ongoing due to personal injury settlements and was up at £3000 by june!
on the insurance i have now on my nova i have declared everything, however on the van im about to insure i wasnt going to say about the different ford alloys that have been put on...however i will soon change it! but come on...how many people declare everything...even that url sticker?
I think you just have to use a little common sense. Invalidating insurance because of a URL sticker in the window is a bit daft if you ask me - do they give you a discount for having a car alarm sticker? No.
If you have a car thats pretty heavily modified, the insurer probably won't give a toss if you forgot to declare a sticker or other minor mod. If you have stated a car to be bog standard though when its got wheels or suspension, then thats pushing things. However, if when you get your quote on the phone you tell them it has wheels from a different ford and they don't bother about it then you're in the clear. I'd keep a record of the date/time of the call JUST in case though.
Agree with the personal injury claims should be handled by a personal injury policy though.
im wondering how much im going have to declare if i get the nova finished O_o
General Baxter
15-11-10, 11:03 PM
I agree, because everyone bangs a personal injury claim in, no matter how minor the accident was.
i dint, :thumb:
im wondering how much im going have to declare if i get the nova finished O_o
Wondering the same about mine (mustard project), it would be easier to tell them whats still standard rather than whats modified lol
They didnt actually invalidate his cover due to the url stickers, but they certainly tried to though!
im wondering how much im going have to declare if i get the nova finished O_o
Everything :d
Wondering the same about mine (mustard project), it would be easier to tell them whats still standard rather than whats modified lol
"its a 5door...but its been turned into a 2door pickup" lol
"oh and ive cut the dash in half"
Everything :d
i know that lol:roll:
i ment i wonder how long the list is going to be
Last car I insured they weren't bothered about what was done, I explained the power it had, how it had been achieved and listed every last part.
Fully comp, over 12k in mods and £600 for the year with a £200 excess.
That was about 2 years ago now.
Not declaring mods is a pisstake but with the cost of insurance these days I can see why people would do it, a local lad who had a SR told me his insurance was £2000 with only wheels, springs and a couple of other bits declared !
Its not big or clever but thank fook I'm 30 with a clean license and no claims bonus as I have no complaints.
General Baxter
15-11-10, 11:10 PM
i even told my sky about the chrome wheel nuts lol
Last car I insured they weren't bothered about what was done, I explained the power it had, how it had been achieved and listed every last part.
Have heard of adrian flux doing this actually, told my mate he could do what he liked as long as he informed them of any power increases.
General Baxter
15-11-10, 11:12 PM
Have heard of adrian flux doing this actually, told my mate he could do what he liked as long as he informed them of any power increases.
yeah but they will pay out for a std car lol
yeah but they will pay out for a std car lol
novas = a bag of haribo...and i dont mean the big bags
I fancy some Haribo now. Swap V6 for Haribo? lol
yeah but they will pay out for a std car lol
Tbh at <25 as long as its legal I couldnt care if they gave me 50p for wrapping it round a phone pole as long as I got the car back to strip.
General Baxter
15-11-10, 11:17 PM
I fancy some Haribo now. Swap V6 for Haribo? lol
id give you half a bag of the cheap rip off fake stuff lol
there is no point in declaring mods...aslong as the police rnt gonna do u for having no insurace. in the long run if you crash or sumthing what is the likely chance of an insurer bailing you out...? serious question!
I think you worded that a tad incorrectly, thats why you got a bit of a flaming lol
I know what you mean. Insurers seem to try to wriggle out of a claim regardless of how obvious it was that their client was in the wrong. And add to that the afforementioned injury claims, regardless of whether an injury has been incurred, where is it going to end?
Crashes that only cause a few hundred pounds worth of damage can now go well into the thousands just on admin and court fees from fighting the claims and sending out assessors to double check the brake fluid is standard?
Surely the insurance companies could actually save money by just paying out the actual repair bill for the claimant and take the rough with the smooth? Pay out and save the possibility of the opposing team having a better solicitor, or allow the claim against you and save a massive court fee at the end.
The police don't help either. Ive been in a few situations with freinds when they have had accidents and if there is even a glimmer of doubt over who was at fault, the police just dismiss it as a 50/50 and leave the insurance companies to fight it out, even if its pretty much blatant what happened. Probably from fear of either being dragged through a courtroom or a mountain of paperwork (not their fault I might add)
But obviously I agree with everyone 100% that you should declare everything (maybe even your bloody stickers) to avoid any shadow of a doubt if you should end up in a crash.
I think the above was just stating that its getting a bit silly, and I would agree.
General Baxter
15-11-10, 11:22 PM
hello, can i insure my moo motorsport sticker please lol
I declared stickers on the derv as it made 0 diff to insurance cost, and the cover note came through as "exterior decorative changes" or something, so I can now paint whatever I like yellow too lol
Have heard of adrian flux doing this actually, told my mate he could do what he liked as long as he informed them of any power increases.
It wasn't flux, I used them in 2000 to insure my SR which was my first nice nova. Sadly on the way back from Leeds one night I had a massive accident, ended up rolling the car several times down the A1 whilst it was on fire. The car was 3rd party fire and theft and they refused to pay out as fire was caused by the accident, it didn't cause the accident.
The car cost me £2700 3 weeks previous and I lost everything, the car was a total loss, as was I nearly ! they didn't even pay for the recovery or storage charged by the guys that recovered it.
It was insured by Highway through Flux, coooonts lol
ive heard getting a claim out of flux is like trying to get burgo to put down a grinder for good.
my mate insures EVERYTHING...every few months its "i have a new magic tree, it cost a pound" lmao
ended up rolling the car several times down the A1 whilst it was on fire
Well, if you're going to crash, might as well do it properly! lol
Well, if you're going to crash, might as well do it properly! lol
Square Circle Triangle Triangle Up Down left Right FLAMING SPINNING ROLLING CAR ATTACK
It was epic looking back on it, shame though, it was a minter !
Lived to tell the tale is the main thing :)
Square Circle Triangle Triangle Up Down left Right FLAMING SPINNING ROLLING CAR ATTACK
lol
Even putting different brand, but same size/spec tyres on compared to what it left the factory with is a "mod"
The way the yanks do things is far better... You 'value' your car and pay insurance based on that. If you mod it and dont increase the value of the insurance then thats your own tough luck come a crash. Seems that there are less uninsured drivers in the states due to that etc
I like that idea actually. Especially when you consider most mods devalue a car lol
Word, I jus' put $10,000 wheels on my $4,000 Miata. Its now worth $2,500. lol
I remember a few years ago now when my old motor got crashed into, I was too naive to declare the mods thinking it wouldn't happen to me. The car was slammed, leather interior and a full exhaust system. The guy that come round to value the damage didnt say a word about it though? I since got told that it didnt matter because it was the other insurers that were paying out rather than my own, I dont know how true that is though.
tommy8252
16-11-10, 09:07 AM
I think there should be some sort of refund given to drivers who complete a years insurance without claiming. Obviously not a full refund as the companies need to make some money to pay for those who do crash, staffing etc etc. But say you insure a car at 18-19 pay 1200-1500 for a years insurance and don,t claim on it you should receive your no claims bonus for the quotes for the second year and a refund of say 50% as an incentive not to act like a hooligan on McDonalds car park in front of the local car slags.
claire6069
16-11-10, 09:09 AM
it really grates on me how the majority of people nowadays seem to assume that us folk with our modified cars are cheating the insurers and not declaring the mods!! thats a real clever idea when im guessing, myself included, that alot of people on here are insured through sky!
i've declared everything on the corsa, not really in case of a crash but because nothing gives me more pleasure than when a cop pulls me over, tries to find something to pick about and he cant because its 110% legal lol i had a traffic cop follow me the other day, he followed me for about 2 minutes, pulled into a road, turned round and went the other way, im guessing i mightily disappointed him when he ran my plates lol
With regards to the 'power' policies. My mate is insured with Brentacre (iirc) on his Triumph Dolomite 3.5 Rover V8 conversion, and they don't care what he does, cosemtically or otherwise as long as he doesn't exceed the BHP limitations on his policy. :/
Seems a bit of a grey area to me, all dynos are different etc. I wonder how they would prove it was over should they need to.
I was thinking the THOR RR might tip up and be slightly biased in favour of the insurance company! lol
With regards to the 'power' policies. My mate is insured with Brentacre (iirc) on his Triumph Dolomite 3.5 Rover V8 conversion, and they don't care what he does, cosemtically or otherwise as long as he doesn't exceed the BHP limitations on his policy. :/
Seems a bit of a grey area to me, all dynos are different etc. I wonder how they would prove it was over should they need to.
I was thinking the THOR RR might tip up and be slightly biased in favour of the insurance company! lol
I was insured through Brentacre, really good policy :d
Same kind of deal Jonelm?
I will certainly be trying them for the Volvo as if true, that kind of policy would suit me quite well.
Maxfield
16-11-10, 12:44 PM
Where do you stand when it comes to a traders policy?
I have a traders policy with SD&P and can't find anything on my policy about modifications?
Where do you stand when it comes to a traders policy?
I have a traders policy with SD&P and can't find anything on my policy about modifications?
Youd need to ring them as i would guess they assume you to be dealing with standard unmolested motors so would need additions to state vehicles and or mods!
Insurance is a joke in general, we get shafted one way or another.
I'm at an age now where i can afford to declare every last detail, and it's much more re assuring knowing if i get stopped and can get my docs from the glovebox and i'm all legit.
Same kind of deal Jonelm?
I will certainly be trying them for the Volvo as if true, that kind of policy would suit me quite well.
Yep, was exactly that, I was advised to try them, they simply asked what power it had which gave which was basically what bumped it up over the standard car.
Triumph Dolomite 3.5 Rover V8 conversion
Pics or ban.
I tried Brentacre on the Nova iirc. They gave me a bhp limit of 200. :( lol
I had no issues with them but I am a little on the old side !
Pics or ban.
Oi! I'm not Roff :d See general car forum shortly. :)
BTW Nice one Jon. :thumb:
I insure my Corsa with Brentacre on the same type of policy and have done for a few years now. Very knowledgable on the phone as well.
Only reason I don't use them for the Nova is they don't do agreed value. They gave me a better price than my current insurer as well.
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