Mini fail

but it was modified by bmw was it not?
I'd imagine he's sold the story to the sun to pay for the insurance, although people are saying that he's not insured it yet.
 
surely that number plate can't be the real one (regarding the people checking it with insurers etc) as he bought it and drove it away on valentines day :confused:
 
Abraham said:
surely that number plate can't be the real one (regarding the people checking it with insurers etc) as he bought it and drove it away on valentines day :confused:
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I did think that, but it says he bought it for valentines day. The sort of person who buys a chrome mini is probably also the sort to want to wait 2 weeks to get a better registration number
 
Here a point to though who are saying that it is a "Modification". It was done by the dealer, no? How does that make it any different from any other dealer fitted options? Would you declare those too?
 
Joshy said:
Here a point to though who are saying that it is a "Modification". It was done by the dealer, no? How does that make it any different from any other dealer fitted options? Would you declare those too?
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agreed, it was done by the dealer before it was registered, so I don't see how it's a modification.
 
As far as i understand you're meant to declare all modifications even from the factory. They won't affect the price for some insurers but it should be up for them to say it doesn't matter.

How else can you be convinced that you are not going to face any issues with a possible claim?

Chances are it wont matter even if you do crash, but why risk it?
 
Jacob (: said:
As far as i understand you're meant to declare all modifications even from the factory. They won't affect the price for some insurers but it should be up for them to say it doesn't matter.

How else can you be convinced that you are not going to face any issues with a possible claim?

Chances are it wont matter even if you do crash, but why risk it?
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The thing is many people don't insure their factory options. I'm sure a people here who have jumped on the "But it's a modification" have no declared every single option their car has fitted. I don't see how this Mini is any different.

It's a special order dealer option maybe, but it is still an option...
 
It's pretty obvious that in the event of a claim this paint finish could hugely increase the cost of the claim. That CD changer you ticked on the option box probably wont.
 
Jacob (: said:
As far as i understand you're meant to declare all modifications even from the factory. They won't affect the price for some insurers but it should be up for them to say it doesn't matter.

How else can you be convinced that you are not going to face any issues with a possible claim?

Chances are it wont matter even if you do crash, but why risk it?
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depends on the policy/companies definition of a modification surely
 
Joshy said:
The thing is many people don't insure their factory options. I'm sure a people here who have jumped on the "But it's a modification" have no declared every single option their car has fitted. I don't see how this Mini is any different.

It's a special order dealer option maybe, but it is still an option...
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It's even worse with something like a Mini as there are endless factory options, it's almost impossible to know what is standard and what was an option, especially on limited edition cars. My car for example has LSD as it's a 2006 model but LSD was an option on the earlier cars, how many owners of LSDs on earlier cars even know they've got it in order to declare it?

I can understand declaring aftermarket exhausts and the like but how far are you supposed to go? Should I tell my insurance company that I've got the same size, but slightly different factory Mini alloys? Or that I've changed from horrible runflats to decent tyres? Or that I have bonnet stripes or spotlights? Or that my grille is actually from a JCW, or that my kickplates might have been an optional extra, I just don't know. (and I suspect any insurance assessor wouldn't either)
 
If you bought the car new it isn't reasonable to argue that you were unaware of what was standard, as it is when you buy it used?
 
[TW]Fox;16285635 said:
If you bought the car new it isn't reasonable to argue that you were unaware of what was standard, as it is when you buy it used?
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Ignorance is not a valid excuse.

Can I insure my GTI as a standard 1.6? After all, I didn't do the work, how can I be expected to know what is standard and what isn't..?
 
Jacob (: said:
Thats what i said?:confused:

Tell them everything then you are safe and they just use whats applicable.
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No, I mean it depends on their definition as to whether you're required to tell them, there's an array of different terms they use, non-standard modifications, after market modifications etc it would depend on the insurer as to whether you needed to inform them of a dealer option.
 
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