Thanks for clearing THAT up Aviva ;)

[jw1325]

How many of you put a set of alloys on your car, or maybe tint your windows- half way through your insurance policy, then phone up and declare them, resulting in a higher premium to pay for the rest of the year?

How many of you are under the impression that if you DON'T do this, and have an accident, you're insurance will be Void?

How many of you have been told this by insurance companies?

What if I told you this is bullshit....

Attended a Police Liason night last night with Edinburgh Cruise. They had 2 very high flyers from Aviva speaking, who proceeded to tell (and show us) examples of when young drivers have phoned to dclare mods mid-term. they gave examples of how much their premium went up etc. for the rest of the year.

Then someone asked a question about declaring a vinyl wrap.... this is where they completley fell flat on their face.

'If you had the wrap done during your policy, there would be no need to phone and declare it untill renewal time, in the same way you wouldnt declare points untill renewal'

we asked if this was the case for ALL modifications - it is.

So basically insurers pressurise you into 'declaring' mods as soon as they are on the car, and take more money of you for being honest, when you dont have to untill renewal. as long as you can prove they were dont after the policy started (invoice for parts/ fitting is sufficient)

For the more honest of you - there you go. for those who like a way to get round high insurance - think about it wisely.

waiting for Devils Advocate to come and tell me I am wrong but he can just keep his mouth shut because there was a couple people from here that were there last night and will be able to verify. ;)

[tillygti6]

back in the day, mot week would coincide with insurance renewal on the minis, christ it was alot of work but standard car for mot, 1380 straight cut week after lol....

a friend of mine works for a major insurer and let me into this a while ago. however thanks for posting it!

[stupotvtr]

Yeah Jenni speaks the truth, was brilliant to see their faces when they realised how there could be a loop hole. Can't remember if this was specific to aviva but I think it was for all insurance companies. Basically if your contract says you have to declaire mods as there done then obviously do so, if it just says is the car modified at the time you sign the contract you might swell s/c it the day after and crash it into a wall and get your money back.

[devilsadvocate]

It depends on what the T&C say, just because Aviva say this doesn't mean its the same for ALL insurance companies

If the T&C say it then fine but if they don't mention it or say otherwise then I would do it just incase

Luckily all my mods only cost like £50 to add on :)

I have spoken to people who work for insurance companies, most of them don't even know what thier own T&C say so I would take anything they tell you with a pinch of salt until you see it in writing

[devilsadvocate]

Sorry to burst your bubble but this is an extract of the Aviva policy wording:

http://www.devilsphoto.com/pug/mods.jpg

Like I said, most of the staff don't actually know what thier own T&C say

I will probably get moaned at by all the haters but fact is what's written in black and white in a companies Terms and Conditions, not what a couple of randoms say at a roadshow

[jw1325]

well then the 2 head honchos they had last night should be in for a sacking.

they said it, infront of traffic police... im going with the loophole.

[BertieG]

well then the 2 head honchos they had last night should be in for a sacking.

they said it, infront of traffic police... im going with the loophole.

unless you have what they said down in writing, it means pretty much fuck all

[skyinsurance]

What if I told you this is bullshit....



I'm afraid I wouldn't believe you.


Your head honchos sound like they do not know what they are talking about!

Ask them what would happen when the person who has not disclosed the mods has a claim.

If you think about what you are saying (or should I say 'what you have been told' ). You insure your 1.0L Corsa as a standard car with Aviva. A week later you do a 2.0L turbo conversion. Do you honestly think that Aviva would be ok waiting until renewal to be informed of the engine swap?

Ollie
Sky Insurance

[Petee]

I don't like this thread ;(.

Just payed £200 to put alloys and lowering mods onto my insurance...

[skyinsurance]

I don't like this thread ;(.

Just payed £200 to put alloys and lowering mods onto my insurance...


You've done the right thing even if the loading does appear to be on the high side. This thread is tripe and should be removed to be fair.

[xSaxoPete]

I thought you have to declare mods straight away.

[Petee]

Wouldn't say it was too bad. I valued the wheels at 600 so that kicked it up alot.

[jw1325]

I'm afraid I wouldn't believe you.


Your head honchos sound like they do not know what they are talking about!

Ask them what would happen when the person who has not disclosed the mods has a claim.

If you think about what you are saying (or should I say 'what you have been told' ). You insure your 1.0L Corsa as a standard car with Aviva. A week later you do a 2.0L turbo conversion. Do you honestly think that Aviva would be ok waiting until renewal to be informed of the engine swap?

Ollie
Sky Insurance


engine swap is different as that also has to be delcared to the DVLA.

words from their own mouth

[skyinsurance]

words from their own mouth

I appreciate you are just passing on what you have heard but it is wrong.

Ok, engine conversion aside, turbo conversion? Supercharger conversion? NOS install?

You need to declare any material fact which may effect the underwriters decision or cause them to impose any special terms.

[J222JRA]

I dont think its a risk i'd be willing to take.

[jw1325]

well, just passing on what we were told. a few people on her would be able to clarify it.

up to people wether they take the risk or not.

nothing on my car is declared atm but it doesnt matter as its no where being road worthy ha

[skyinsurance]

well, just passing on what we were told. a few people on her would be able to clarify it.



I know you are just passing on what you have heard, no problems there.

What I am saying is: what you have been told is not true!

[kae]

I think the lesson here is to read through and understand your T&C's and stick to them by the letter.

Do you realise how much insurance companies and organisations in general invest in legal teams to draft up water tight contracts, this is because of loopholes etc like this.

At the end of the day, an insurer without terms in it stating you should declare all your mods when you put them on is effectively throwing money away... so if you dont have the clause as above... your in bloody luck.

[Saxtape]

It is one of the Holy Rules of Insurance

Utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness. Material facts MUST be disclosed.

[mlawlan69]

it is one of the holy rules of insurance

utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness. material facts must be disclosed.

fucking lol'd

[mlawlan69]

It is one of the Holy Rules of Insurance

Utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness. Material facts MUST be disclosed.

FUCKING LOL'D

insurance and fair do not know each other.

end of the day it's just another scam we HAVE to have/pay.

simple greed on a few people's behalf who actually run the companies, if they arent making billions a year the economy will collapse and they will have to have the tax payers money to bail them out and fund their coke habits.

insurers and anyone involved with them is a cunt.

:wall::wall:

[Saxtape]

fucking lol'd

I work for aviva, this is one of the first things I was taught. These rules of insurance are the holy grail.:homme:

[Saxtape]

The premium prices are a rip off, but they reflect the cost of the damage a motor vehicle can cause.

[Morgzc]

The premium prices are a rip off, but they reflect the cost of the damage a motor vehicle can cause.

But they don't really reflect the cost that they DO cause.

[f13sta]

tbf what i've done is put the mods on before i've even done them :lol: when the policy starts. no need to inform them when u do them cause you already have and 9 times out of 10 it'll be cheaper than adding them on a few months into the policy.

but my mods will only be simple, alloys, lowering, exhaust, tints.

[dan-]

If this was true you would never decalre a mod then if you were in an accident, oh yeah i supercharged it yesterday.