Who here owns a Renaultsport?

Skeeter said:
Wrong.

Not declaring your modifications will only affect your side of a claim, it will not affect any 3rd party payouts. Fully Comp covers damage you cause to others, as well as damage caused to yours. If your car is not as you said it is, they can refuse to pay out to repair it, but they will still have to pay out to repair any damage you cause to others. It doesn't make your policy void, but it could effectively make your insurance the equivalent of 3rd party only.
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This is quite misleading advice.

What an insurer can do is restrict the cover it provides to that required by the Road Traffic Act - which you allude to in your post. However, if they feel that they incurred costs meeting a claim which they should not have had to pay out on they can recover these costs from you through court.

Bottom line is that you could end up facing the full bill personally, though to the person you crash into, everything would appear as normal.
 
[TW]Fox;19084308 said:
This is quite misleading advice.

What an insurer can do is restrict the cover it provides to that required by the Road Traffic Act - which you allude to in your post. However, if they feel that they incurred costs meeting a claim which they should not have had to pay out on they can recover these costs from you through court.

Bottom line is that you could end up facing the full bill personally, though to the person you crash into, everything would appear as normal.
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Yes, but it doesn't mean your insurance is 'void'. By void people are implying your insurance wouldn't pay out anything to anyone, which simply isn't the case. They will pay out for the 3rd party damage. Yes they can come back to you to claim this back, but your not going to get done for no insurance by the police or anything, which is what people seem to think they they think it means your insurance is 'void'.
 
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.SJ said:
Declaring a light bulb as a modification.. Ive never heard anything so ridiculous in my entire life.
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" Hi im just called up to let you know i waxed the car today with Megs NXT ... Please can you add this to my list of modifications"

:p
 
FAIL, just rushed to clean the car before sun went down, and it starts to **** it down AND my dslr wasn't charged. So heres a dull rainy shot taken on my phone.

Yummy new PE2's
IMG_0204.JPG


I think it might need lowering?
IMG_0213.JPG
 
Skeeter said:
EVERYTHING that isn't standard counts as a mod, technically.

Every option box you tick on a new car order form counts as a mod.
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If I go buy a secondhand car, it comes with alloy wheels...how do I know it's a mod or not?

And if i decide to buy a car, change the radio because it broke, do I declare it? Or change the wheels to alloys.
 
alexisonfire said:
FAIL, just rushed to clean the car before sun went down, and it starts to **** it down AND my dslr wasn't charged. So heres a dull rainy shot taken on my phone.

Yummy new PE2's
http://www.msphotography.net/clio182/IMG_0204.JPG[img]

I think it might need lowering?
[img]http://www.msphotography.net/clio182/IMG_0213.JPG[img][/QUOTE]

That looks fantastic.
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Raymond Lin said:
If I go buy a secondhand car, it comes with alloy wheels...how do I know it's a mod or not?

And if i decide to buy a car, change the radio because it broke, do I declare it? Or change the wheels to alloys.
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This is my exact point. most people don't even know what is or isn't standard, so I doubt insurance companies do either.
 
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