Soldato
- Joined
- 25 Oct 2002
- Posts
- 2,569
- Location
- Cambridge,York,Bristol
What relevance does listing car modifications have to third party only insurance policies?
If I bash someone else, the mods won't increase the claim.
If someone else bashes me, their insurance will cover it, mods included. (?)
Now I know the insurance answer to this is mods make you "higher risk".
So my theoretical question is, if someone were to not declare a mods to their insurers, and they got bashed by a third party, then surely they would claim for the cost of the mods off the third party's insurance.
Confused
If I bash someone else, the mods won't increase the claim.
If someone else bashes me, their insurance will cover it, mods included. (?)
Now I know the insurance answer to this is mods make you "higher risk".
So my theoretical question is, if someone were to not declare a mods to their insurers, and they got bashed by a third party, then surely they would claim for the cost of the mods off the third party's insurance.
Confused