A little debate im having..

[DuBsZ]

Basically me and the parent are having a good rant about insurance claims, and i would like to know the answer to this question.

If someone crashes into my nova with insurance but undeclared mods (technically invalid insurance) would i still get paid out?

[Graeme]

I doubt it, as all motor insurance assors (sp) will try there hardest and use any excuse possible to get out of paying out, thats the nature of the game in this country unfortunatly, thats why they send there agents to big car shows to take note of who has invalid insurance, they'll keep taking your monthly payments but won't pay out once assessed

[Andy]

Or does that translate to-"im planning on not declaring mods on my nova.Will i be bumshafted if i hit somebody"??????

[Graeme]

Probably means somethin like that but I know I was guilty of it when I had just passed my test, didn't give it a second though tbh, was more interested in if my speedlines were clean?

[Edd]

300Bhp LET insured as a 1.0 L ftmfw

[Graeme]

Cough Matt Brown cough

[Lewis.]

/\ lol lol

damn can't rep you

[Andy]

lol i can/did though lol

[Alex J]

whats insurance anyway? lol

[Andy]

In10 ftw roflz

[DuBsZ]

for 3200 the carbs should be free of charge! ;)

[Jack]

I'm sure the insurance company would either withdraw cover to the other person but still provide third party cover, or you'd claim on the uninsured drivers fund thing

[Calamity Josh]

i know of someone who crashed there fully spec'd up 106 on a motorway, coilovers engine conversion e.t.c... was only insured as standard and he got payed out for his car although the insurance company reduced the amount they gave him

[Southie]

/\ well I wouldn't advise that though :roll:

[mowgli]

i'm only being hyupothetical here, but if someone crashes into you, and its their fault, you claim against their insurance, but they will only repair it to factory standard

[davidfox280585]

i'm only being hyupothetical here, but if someone crashes into you, and its their fault, you claim against their insurance, but they will only repair it to factory standard
snap

[Hobbit]

As above. back in the day (when i was a new driver) someone pulled out on me and wrote my civic off. It had brand new 17's on but as they weren't declared i only got standard civic money back. so was out of pocket the 700 quid i payed for the alloys. Iirc my insurance did get a bit funny about paying that out but let it go as they were claiming off the other party.

Just easier to declare everything imo, at least you know your **** is covered. and take alloys for instance, only costs a couple of quid per month to insure.

[Bubba]

im looking forward to declaring mine when it gets done..

"so sir, is it moddified"
"erm..."

[Nova-nation]

im looking forward to declaring mine when it gets done..

"so sir, is it moddified"
"erm..."

...well its only missing 2 seats, half a roof lining and some glass? lol

[Edd]

im looking forward to declaring mine when it gets done..

"so sir, is it moddified"
"erm..."

The list I had to go through for the Sport when I rung round was silly lol

In the end only one place would do it

[mowgli]

that must have been fun...

what is it?
a genuine original nova sport....
anything done to it??
erm everything i could think of.....
click......

[Old man Jimbo]

Even when you do declare as I do they send out the forms to sign and they'll always try something. They'll miss a mod off or a fav with me is they'll put me down as a smoker or similar. You miss the small detail and claim they sack you off.....

[DuBsZ]

twin 40 dellortos, inlet and all the linkage bolts ect with an irmscher air box might be for sale in the future will keep you updated :(. Just need to source this standard carb setup which seems to be no where :S?

[Southie]

Keep hold of them IMO, have you put up a wanted advert?

[DuBsZ]

Yeah i have, few people have a inlet or the carb alone not the whole setup..
I want to keep them but the money could go to other things. whats the 1.2 like for poke on standard carb?

[Stuart]

If you have undeclared mods and hit someone, they will get their full and just payout for all eventualities but you may be refused cover and or have the costs reclaimed by your insurer.

If someone with undeclared mods hits you, then you get your payout and the other party gets the due raping

[Rich]

Is your car modified sir?
Yes
Ok whats been done?
Its got a astra vxr turbo on it
Ok... sorry we cant cover that.
Ok, its completly standard then
Are you paying by debit or credit card sir