Does not declaring a modification void my entire insurance??

Gaygle said:
Agreed. But i never understood why the insurance companies settle, with the policy holder, if you pay the extra because what incentive is there to declare your mods if you are given a second chance to pay IF you crash. Surely the insurance would just love to stick two fingers up at you and say "your problem"?
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depends on the insurer

ultimately, the difference is all it actually cost them. You took out the insurace so they were going to have to pay anyway

the only thing they've lost out, is the extra money they would have charged you. The reason they usually only cover 3rd party losses and not your own is to deter you for this type of thing

but its entirely situational, and i expect there will be lots of variables, such as the ammount of mods not declared, the ammount of money involved for repairs etc..
 
Just tell them quite truthfully you have fitted a non-standard long life air filter and a long-life stainless steel exhaust.

OR

Tell them you've just fitted a 'high-performance' Induction Kit and also a big-bore 'high performance' exhaust.

Which of the above will cost more do you think? ;)
 
quinn wanted an extra £89 each for these mods, i already ready enquired. i was 18 at the time iirc.
 
Declare everything. Murphys law is that you will crash the car in a ball of flames into a school pedestrian crossing hte second you modify the car and don't declare the mods.

A couple of years ago I was at a "cruise" with my mate in his car. It was mostly performance hardware and not the usual bodykitted Corsas. The police made an appearance and set up a checkpoint at the exit. They were pulling cars driven by younger fellows and inspecting them with a fine tooth comb. My mates brother was pulled over to the side and the police inspected his S3. He had 19" wheels, a full SS exhaust system and a full induciton kit, uprated FMIC as well as some other bits and bobs. They noted it all down and gave him a producer. When he turned up at the cop shop, his policy document was checked against the noted modifications and as he had not declared them there was no mention of them. The police officer called the insurance company to double check and found out that they weren't declared.

The insurance company declared the policy void as soon as they found out and the police would not let him drive his car home. I have yet to verify this but I believe they also prosecuted him, possibly for having invalid insurance but I'd need to check that.

Whatever they prosecuted him for, the subsequent conviction means that he finds it bloody hard to get insurance on anything. He's now driving around in a Fiat Cinquecento and paying a fortune to insure it.


Always declare your mods, it's not worth taking the risk of getting your ass sued off you.
 
Gaygle said:
Wrong... you are still covered 3rd Party.
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my insurance is only 3rd party anyway, so you're telling me that if I get mods, then I shouldn't tell my insurance, because they'll put my premium up and not make any difference to my cover compared to not declaring?

bull****, if I have a crash and I havn't declared, the insurance company will ask me to pay for the cost of the damage done to the other car.
 
btw, when someone rear ended me, my car was modded , not delcared, and they never checked the car over. justed fixed it.

always best to declare though mate.
 
Ben M said:
my insurance is only 3rd party anyway, so you're telling me that if I get mods, then I shouldn't tell my insurance, because they'll put my premium up and not make any difference to my cover compared to not declaring?
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Declare them. Insurance companies IIRC HAVE to provide 3rd party insurance, whether or not your policy is found to be void. However, the insurance company can take you to court to reclaim the costs of the 3rd parties repair if your policy is found to be void.

Edit - Note to self read *** last sentence before replying :o
 
Ben M said:
my insurance is only 3rd party anyway, so you're telling me that if I get mods, then I shouldn't tell my insurance, because they'll put my premium up and not make any difference to my cover compared to not declaring?

bull****, if I have a crash and I havn't declared, the insurance company will ask me to pay for the cost of the damage done to the other car.
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1. I was talking about Comprehensive insurance, but i can only assume that it's exactly the same with TPFT - but they may try and recoup the costs from you.

2. I suggest you read the posts above, specifically the ones from MrLOL before you start making wild statements.
 
Why would anyone encourage somebody to commit insurance fraud? Not declaring modifications to the car, and yes cosmetic ones can sometimes count, is fraud. Plain and simple.

You can go to jail for that. Also once you get out of jail you'll find that you will be pursued for the 3rd party losses to the insurance company.

If you can't afford the insurance then you can't afford the modifications. Or is it another case of breaking the laws ok because its personally inconveinent/expensive.

Surely the extra premium has got to be worth it for the piece of mind? If you have a bad enough accident and the police/insurance company decides to investigate the car and they find the mods any payout for your injuries or damage to your car that you might be entitled to will dissappear. You'll then find its an entirely different game when people find you were effectivly driving uninsured.

What if you make an innocent and trivial mistake and cause serious injury to a car full of people? How will you repay the £100K plus that it could well be to cover treatment, any loss of earnings and compensate the 3rd parties you have hurt intentionally or otherwise?

All insurance is priced around riak, even third party only. So if you dont tell them about the modifications its void. Check your policy and I'm sure it will state something to that effect. Even a third party only policy.

You can guarentee the insurance company will have to pursue you to get as much of it back as possible.

How much of a retard do you have to be to think that saving a few quid or even a £1000 is worth that kind of risk. Thats why you have insurance, Just in case!

Or are you such a great driver you will never have an accident?
 
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Dashik said:
Why would anyone encourage somebody to commit insurance fraud? Not declaring modifications to the car, and yes cosmetic ones can sometimes count, is fraud. Plain and simple.

You can go to jail for that. Also once you get out of jail you'll find that you will be pursued for the 3rd party losses to the insurance company.

If you can't afford the insurance then you can't afford the modifications. Or is it another case of breaking the laws ok because its personally inconveinent/expensive.

Surely the extra premium has got to be worth it for the piece of mind? If you have a bad enough accident and the insurance company decides to investigate the car and they find the mods any payout for your injuries or damage to your car that you might be entitled to will dissappear. You'll then find its an entirely different game when people find you were effectivly driving uninsured.

What if you make an innocent and trivial mistake and cause serious injury to a car full of people? How will you repay the £100K plus that it could well be to cover treatment, any loss of earnings and compensate the 3rd parties you have hurt intentionally or otherwise?

You can guarentee the insurance company will have to pursue you to get as much of it back as possible.

How much of a retard do you have to be to think that saving a few quid or even a £1000 is worth that kind of risk. Thats why you have insurance, Just in case!

Or are you such a great driver you will never have an accident?
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Chill out mate, i havnt got the parts or anything i was only asking if it would void my insurance or not. I didnt ask for a full blown waffle on how it is wrong to void insurance because i know its wrong and would never do it.
 
Depends on the company tbh

Bell insurance, read their terms and conditions, if you dont declare the mods then when you crash they will put car back to standard, declare them and they'll put them back on if you crash

Dont have to declare them
 
Ben M said:
my insurance is only 3rd party anyway, so you're telling me that if I get mods, then I shouldn't tell my insurance, because they'll put my premium up and not make any difference to my cover compared to not declaring?

bull****, if I have a crash and I havn't declared, the insurance company will ask me to pay for the cost of the damage done to the other car.
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You hope. You forget its not just the cost of the damage to the car its any injury compensation to the occupants and associated damages /cost arising from the accident. So have you got so much money you can afford to pay that out ?

Any one remember this one?

'At Selby, a Land-Rover strayed on to the London-Edinburgh main line, derailing a GNER express into the path of a freight train. "That crash cost the industry around £50m, of which £13m was for personal injury claims," Mr Murphy said,

So you got plenty of cash? Feeling lucky today?

Dont be stupid.
 
Gonzo0 said:
Chill out mate, i havnt got the parts or anything i was only asking if it would void my insurance or not. I didnt ask for a full blown waffle on how it is wrong to void insurance because i know its wrong and would never do it.
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So why ask a stupid question in the first place?
 
Dashik said:
You hope. You forget its not just the cost of the damage to the car its any injury compensation to the occupants and associated damages /cost arising from the accident. So have you got so much money you can afford to pay that out ?

Any one remember this one?

'At Selby, a Land-Rover strayed on to the London-Edinburgh main line, derailing a GNER express into the path of a freight train. "That crash cost the industry around £50m, of which £13m was for personal injury claims," Mr Murphy said,

So you got plenty of cash? Feeling lucky today?

Dont be stupid.
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?
 
Dashik said:
You hope. You forget its not just the cost of the damage to the car its any injury compensation to the occupants and associated damages /cost arising from the accident. So have you got so much money you can afford to pay that out ?

Any one remember this one?

'At Selby, a Land-Rover strayed on to the London-Edinburgh main line, derailing a GNER express into the path of a freight train. "That crash cost the industry around £50m, of which £13m was for personal injury claims," Mr Murphy said,

So you got plenty of cash? Feeling lucky today?

Dont be stupid.
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My car isn't modded, other than wheels, which are declared. And if I do mod it, I will declare all those mods, I was just using myself as an example.
 
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Thats not the same as not having to declare them. You seriously think you can get a quote on a standard car, Mod it to death and they will still cover you if you dont inform them? Show me the bit of the policy where thats ok. Good Luck.
 
AFAIK, you're still legally "insured".

But you'd be liable for all of any payouts, and possible fraud charges.

The law says any quibbles about the terms of a policy may not make the policy invalid on the national database. The insurance company has to make payouts to 3rd parties, but they can chase you for the money.
 
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