Cars with mods that are not declared

I've always told insurers over the phone that the car is not modified TO MY KNOWLEDGE.

Probably worthless saying it, but it can't hurt.


EDIT: oops - just spotted this is necro
 
Oh sugar, thanks for reminding me! I still need to declare my new mild-steel tubular manifold and decat :x

Will get on it tonight!

EDIT: Sometimes good things DO come from thread necros :D
 
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Not sure what I prefer. Constant new threads covering old ground over and over, or old thread revivals.

Saying that, looks like this forum is close to a million threads.
 
Ok I got NO MODS declared. And on my ITR everything igot some mods.
I got different : Wheels, Seat belts, ECU, DFI gauges, Apexi Suspension, Extra Strut bars, ARC+Spoon Intake, Mugen+Tegiwa+Spoon exhaust, Descent Audio sustem with reversing camera.Only thing that have not been moded is engine itself. And i cant be sure on that one.

They they paid out full car value no problems after I had my incident in November that got me cat D on bent wheel.
I just told them --> Its an Japan imported car and that is how it came from Japan and that is True. I dont need to change any parts in UK nowadays :D.
 
Saytan said:
I've always told insurers over the phone that the car is not modified TO MY KNOWLEDGE.

Probably worthless saying it, but it can't hurt.
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Yep, completely worthless as ignorance isn't a defence should your insurer decide to send an investigator if you have a crash. Same with decats, no UK insurer should be insuring them anymore as your car is never road legal while running one.
 
Actually it is a defense, worked for me, in your T&C it will state "to the best of your knowledge", my car was second hand and i had no idea there was a quickshift, front splitter, and a panel filter installed, they paid out, after i explained this.
 
Liquidfox said:
Yep, completely worthless as ignorance isn't a defence should your insurer decide to send an investigator if you have a crash. Same with decats, no UK insurer should be insuring them anymore as your car is never road legal while running one.
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Re the cats issue: I believe that was only for modern cars, ie. it doesn't apply retroactively. Even then it may only apply to cars sold in Europe or something.
 
Joshy said:
Their insurance company is required to pay for the third party damages regardless. They can recoup the costs from the driver if they see fit, but it is a messy process that I can only imagine an insurance company doing in the event of a very high cost 3rd party claim where they'd already be itching to wriggle out of a claim if they found a single t not crossed and an i not dotted. A fart can exhaust and lowering springs just makes it easier for them.



This is the point I'm making. If you're the third party in an accident and have some brain cells you'll know to have an accident management company deal with your claim and by pass your insurance company. If you're the one that caused the accident you've got to hope that they don't bother to inspect your car, which again, in a normal third party claim is fairly unlikely.
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This is my problem at the moment, I have been hit from coming off a dual carriageway roundabout from behind as driver has failed to give give way and accelerated into the rear passenger wheel arch doing about £500-£600 worth of repairs damage to my vehicle, I think I have a strong case for my claim to win, however I’m worried that I have a different exhaust system on my car that the insurers would pick up on this or would his insurer not even inspect my car? Would it be my own? I’m aware that independent claim company’s bypass the insurance but would obviously contact his with my claim, but again worries about them inspecting my car and flagging the potential mod! Do you have any advice to this?
 
Does, say for instance lowering a car, make your insurance more because the car isn't being used how it should be(I.E more likely to break) or if the car is a right off and you declared the coilovers or bags that you would claim for that kit too?
 
Quite a necro but...

Jama said:
Does, say for instance lowering a car, make your insurance more because the car isn't being used how it should be(I.E more likely to break) or if the car is a right off and you declared the coilovers or bags that you would claim for that kit too?
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any mod can make it more stealable, indicate a certain type of driver, be less reliable than the OEM one etc. The reasons are many and the calculations are complex. Just declare it and take the hit on insurance, it's often minimal. Better than having insurance denied and having to explain that to future insurers.

fyoung24 said:
This is my problem at the moment, I have been hit from coming off a dual carriageway roundabout from behind as driver has failed to give give way and accelerated into the rear passenger wheel arch doing about £500-£600 worth of repairs damage to my vehicle, I think I have a strong case for my claim to win, however I’m worried that I have a different exhaust system on my car that the insurers would pick up on this or would his insurer not even inspect my car? Would it be my own? I’m aware that independent claim company’s bypass the insurance but would obviously contact his with my claim, but again worries about them inspecting my car and flagging the potential mod! Do you have any advice to this?
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If you've been hit and are found not to blame they won't care.


AndreWright90 said:
Is sticker bombing something I should be declaring? :eek:
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Yes, and any decals. Even if it's only on the inside.
 
They do miss mods sometimes (I hear). Especially if it's an older/rarer car and the mods look quite OEM. But you should declare and use a proper modified car insurer if you want sensible prices.
 
Nasher said:
They do miss mods sometimes (I hear). Especially if it's an older/rarer car and the mods look quite OEM. But you should declare and use a proper modified car insurer if you want sensible prices.
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Hastings was actually cheaper for me than specialists with mods declared. it was a 3rd of the price of Adrian Flux
 
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