settle an argument

SGWills · 12 Jan 2011 at 17:52

me and my mate in work were talking about car adverts for private sale.
He reckons that an insurance company could not step in if they saw the advert, did a reg check and saw that the car was 1. covered by them and 2. mods not declared

this is the advert that started it off

clicky clicky

on the advert he states the insurance company will cover it for a 1.4ltr even thou theres a 2.1ltr engine in the bay.

out of the mods he listed we both agreed there were about 4/5 that mainstream insurance companies would not like.

i said i reckon the insurance company can get involved as it is a public website.

so is there a black and white answer or would it be a bit grey?

turbotoaster · 12 Jan 2011 at 17:56

they potentially could do that, but there would be no reason for them to start checking around for a reg.

I work for an insurance company and we dont bother doing things like that.

If you crash the vehicle we will check it over for undisclosed mods but thats it.

If when trying to value the vehicle we check different websites(ebay, pistonheads, autotrader) for a market value and come across yours then its just bad luck for you

just looked at the car, if you are involved in an accident they will request a copy of your vehicle V5 and they will see on there that its registered as a 2.0 so they would shaft you.

plus that car has so much potential but done in such a bad way, this is how you do a turbo'd rover

http://t0.gstatic.com/images?q=tbn:...reyland/project 25/projectrover251206.jpg&t=1

MikeHiow · 12 Jan 2011 at 18:11

A friend of mine had his insurance cancelled after they spotted his car with a body kit in one of the chav magazines years ago.

Lethal` · 12 Jan 2011 at 18:14

That's a terrible front end

Amoeba · 12 Jan 2011 at 18:35

Spec list reads nice but the photo is

That gaping hole for the IC ruins all of the numerous positive aspects of the car in one fell swoop.

sigma · 12 Jan 2011 at 18:36

Begs the question that if you can afford the full engine rebuild, why not pay for valid insurance?

Amoeba · 12 Jan 2011 at 18:47

I think the guy selling it probably does have valid insurance, he is just advertising the fact it can still be insured as a 1.4 so as to make it more attractive to the scallys!

Joshy · 12 Jan 2011 at 18:51

sigma said:
Begs the question that if you can afford the full engine rebuild, why not pay for valid insurance?

Who said the owner/builder is doing something dodgy? He is simply mentioning that it COULD be insured as a 1.4 if the buyer wished. As far as I'm concerned something like that is a bit of a selling plus point, especially to the type of person who would consider buying that sort of monstrosity

.

Dogbreath · 12 Jan 2011 at 19:03

Joshy said:
Who said the owner/builder is doing something dodgy? He is simply mentioning that it COULD be insured as a 1.4 if the buyer wished.

You could obtain an insurance certificate by lying to an insurance company, but that's not the same as actually being insured.

Joshy · 12 Jan 2011 at 19:04

Dogbreath said:
You could obtain an insurance certificate by lying to an insurance company, but that's not the same as actually being insured.

I was using the term "insured" loosely

.

Kenai · 12 Jan 2011 at 19:05

Joshy said:
Who said the owner/builder is doing something dodgy? He is simply mentioning that it COULD be insured as a 1.4 if the buyer wished.

How would he know this unless he's actually done it though?

SGWills · 12 Jan 2011 at 19:14

For the insurance to be valid the information would have to be accurate so if its classed as 1.4 when its a 2.1 would point towards not being accurate

Joshy · 12 Jan 2011 at 19:22

It is an undeclared modification. At the end of the day it should be done, but people do it all of the time.

But I'm trying to say is that people saying "Car still registered as 1.1/1.2/1.3/1.4" are not necessarily super dodgy people running about with no insurance. I know that you are supposed to declare a larger engine to the DVLA, but as far as I'm concerned if the new engine doesn't change the tax band and you declare everything to the insurance company then it is all good.

sigma · 12 Jan 2011 at 19:23

Joshy said:
Who said the owner/builder is doing something dodgy? He is simply mentioning that it COULD be insured as a 1.4 if the buyer wished. As far as I'm concerned something like that is a bit of a selling plus point, especially to the type of person who would consider buying that sort of monstrosity .

What next, how to make a false service history?

Joshy said:
It is an undeclared modification. At the end of the day it should be done, but people do it all of the time.

But I'm trying to say is that people saying "Car still registered as 1.1/1.2/1.3/1.4" are not necessarily super dodgy people running about with no insurance. I know that you are supposed to declare a larger engine to the DVLA, but as far as I'm concerned if the new engine doesn't change the tax band and you declare everything to the insurance company then it is all good.

So if you declared everything to the insurance company it would be insured with the new engine. I don't get what you're saying.

Scania · 12 Jan 2011 at 19:23

Lethal` said:
That's a terrible front end

The rest of it is pretty awful too!

Lethal` · 12 Jan 2011 at 19:25

R420LA6X2/4MNA said:
The rest of it is pretty awful too!

I didn't look much further

Only just noticed it has red wheels.

Semple · 12 Jan 2011 at 19:26

I'm pretty sure your insurance get's nulled anyway if you have mods that haven't been declared.