I know there isn't. It's you who made the mistake by not realising that I was merely using it as an example.
Does not declaring a modification void my entire insurance??
- Thread starter Gonzo0
- Start date
I know there isn't. It's you who made the mistake by not realising that I was merely using it as an example.
you said '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.'
And I was replying in that context.
I declared my towbar just in case, as it's not fitted as standard. Didn't make any differance to the price, but it's peace of mind which is what insurance is for at the end of the day.
There is no point paying for peace of mind and then worrying about it
There is no point paying for peace of mind and then worrying about it
doesn't that make it clear that it's a hypothetical situation in the future?
but let's not bother with that, you made a mistake, it happens.
LOL, think what you like, If you have trouble reading or comprehending the written word then fine. I'll keep it simple next time.
Remember to declare brake pads when you change them from the standard ones.
I know you're joking but I have decalred absolutely everything that is uprated and non standard. If it was a standard replacement then I wouldnt bother but anything uprated I have.
LOL, think what you like, If you have trouble reading or comprehending the written word then fine. I'll keep it simple next time.
Back on topic? cheers.
Remember to declare brake pads when you change them from the standard ones.
Technically, that is quite true.
Hopefully,
Anyway the main point is that its just not worth NOT declaring any mod, however trivial. I 'd rather the insurer laugh and hang up the phone than hit me with a bill.
Most people here seem like responsible people. I'd like to think common sense would prevail and any mods would be declared, relevant or otherwise and the insurance company concerned can decide the outcome.
Like a previous poster said a bit more eloquently than I did. Insurance is about piece of mind, so why be worried everytime you drive?
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Non standard mods need to be declared, although almost all insurers will cover factory upgrades foc.
The price you pay for not disclosing and getting caught out is: -
A) If you are lucky - backdated premium loading and/or backdated increased excess.
B) If you are unlucky - your insurer will pay the TP claim and then within days of paying up the TP on your behalf you'll receive a summons from your insurers legal boys counter claiming whatever their disbursements are, be that £100 or £150,000. They won't give a flying **** whether you can afford it or not - they'll get you into court just for the fun of it.
....
Personally I've always declared the obvious stuff. The hidden - well, that's another story.
I do know of one case of an engineer who was sifting through servicing receipts and noticed a service from a Honda "tuner". He rang them up for a friendly chat and found out the car had a few non visible mods. He checked back with the insurers - no mods declared, he presto - saved £10,000 for a written off CTR. One rather upset geezerwith a squashed CTR and no insurance payout.
Rare to hear of engineers going out of their way to bust people. Most just want the report done, off their desk and their £60 fee paid.
The price you pay for not disclosing and getting caught out is: -
A) If you are lucky - backdated premium loading and/or backdated increased excess.
B) If you are unlucky - your insurer will pay the TP claim and then within days of paying up the TP on your behalf you'll receive a summons from your insurers legal boys counter claiming whatever their disbursements are, be that £100 or £150,000. They won't give a flying **** whether you can afford it or not - they'll get you into court just for the fun of it.
....
Personally I've always declared the obvious stuff. The hidden - well, that's another story.
I do know of one case of an engineer who was sifting through servicing receipts and noticed a service from a Honda "tuner". He rang them up for a friendly chat and found out the car had a few non visible mods. He checked back with the insurers - no mods declared, he presto - saved £10,000 for a written off CTR. One rather upset geezerwith a squashed CTR and no insurance payout.
Rare to hear of engineers going out of their way to bust people. Most just want the report done, off their desk and their £60 fee paid.
From first hand experiences, 3/3 times I have been with people to a recovery place and helped replace non-declared parts with their originals. Usually takes an insurance assessor a while to inspect the car.
But yes, either don't modify your car or declare the modifications... no matter how tempting it is.
Its up to you but I declared mine. As I said, I decared absolutely everything, even down to the tyres on the wheels as the wheels are a different size. It might be a daft thing to do but if they know absolutely everything then it makes it harder for them to weasel out of paying up.
Soldato
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So if I replaced my slightly buggered automatic choke carb for a brand new weber one I'll have to tell them?
Associate
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If you fail to disclose anything on a motor insurance application, which later comes to light as a result of a claim then the insurer has the right to 'avoid' the policy. This means that they can basically treat the policy as though it was never in force, and they have no obligation to you, the policy holder. They do however, under the Road Traffic Act, have an obligation to any third party, who they must deal with as if the car was insured correctly, but, as has been stated elsewhere, they then have the right to reclaim any losses incurred from you, including any losses for injury etc which can easily run into tens of thousands. If they avoid the policy then they have to return any premium to you, less anything they have paid out.
Insurers will normally shy away from anyway from any modification which affects the performance, or the theft risk of a vehicle.
Insurers will normally shy away from anyway from any modification which affects the performance, or the theft risk of a vehicle.
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sorry but thats crap.
insurers wont give a damn about that, mainly proper mods, like bodykits, suspension, performance etc... not a slight interior change
I think you'll be surprised. You must tell them that you have made interior changes.
With regards to ' non visible mods '..Its not worth the risk. Insurance companies will do anything to get out of paying. End of the day its your decision if you decide to declare or not.
Insurance companies will use any excuse to get out of paying. Better safe than sorry.
Also, driving with a void insurance policy is the same as driving without insurance in the first place - the law is that you must have a valid policy, not a void/invalid one.