Declaring on TPFT

[JDub]

My mate was saying there's no point declaring mods when you take out insurance as TPFT as the insurers are only paying out for the other car if you're in an accident, not yours, and they don't check yours, is this true or is there more to it?

[DeekB]

I would still declare TBH.

You could drop a GTi engine in your 1.1, be a complete tool and crash into someone,

Technically you are an un-insured driver at this point as you have not told the truth

I would also imagine there's more to it or everyone would be going TPFT and modding as much as they could.

[lighters]

I would imagine that in the event of a claim the Insurance company would try and swindle their way out of payment and say your insurance was invalid by saying because you didn't declare mods you weren't insured so they would probably try and fuck you over and say they didn't need to pay for the damages.

End of the day you pay for Insurance and they will use everything against you to not be out of pocket! don't give them an excuse.

[Davey-Prater]

What lighters said. Insurance will just say you weren't insured properly and make you pay the damages.

[BertieG]

the insurance company will probably still pay, then sue you for the money they had to pay out. you'll also have no chance getting the money back if its nicked

[saxwesty]

ive been told it dont matter if your fully comp or TPFT it dont matter about modifications as long as they dont effect you actual engine. because visual mods are cosmetic if you crash you get your car put back to standard pad for what they value the car as standard then they hand back your modifications after.

[Ashleyp]

ive been told it dont matter if your fully comp or TPFT it dont matter about modifications as long as they dont effect you actual engine. because visual mods are cosmetic if you crash you get your car put back to standard pad for what they value the car as standard then they hand back your modifications after.

You've been lied to.

any modification to a car, whether it be performance, or visual enhancements must be declared to your insurance company. this ranges from a new gear knob, to stickerbombing

whether you actually declare or not is completely up to you. but as people have said, if it's going to cost the insurance company a lot, they'll be doing anything they can to avoid paying, if it means going over your car with a fine comb, then they will

regarding TPFT, the same applies. declare your mods or risk insurance being void

[Gareth_R]

My mate was saying there's no point declaring mods when you take out insurance as TPFT as the insurers are only paying out for the other car if you're in an accident, not yours, and they don't check yours, is this true or is there more to it?

What if you hit a person?

[CEdwards]

What if you hit a person?

what if you dont hit a person ;)

[devilsadvocate]

I could be wrong but if I remember correctly your insurance company is legally obliged to pay for 3rd party damage irrespective of whether they decide to void your policy or not.

[skyinsurance]

I could be wrong but if I remember correctly your insurance company is legally obliged to pay for 3rd party damage irrespective of whether they decide to void your policy or not.

And then claim that money back from you if you have fraudulently obtained your insurance

[LSOfreak]

ive been told it dont matter if your fully comp or TPFT it dont matter about modifications as long as they dont effect you actual engine. because visual mods are cosmetic if you crash you get your car put back to standard pad for what they value the car as standard then they hand back your modifications after.

unfortunately not mate. anything changed from standard out the factory is a modification technically speaking. whether or not they'll pick up on the subtle mods is something else.

most companies who will accept modifications have it written somewhere that when your car gets repaired, your modifications arent covered, even if you have declared them

ive never heard of an assessor come round to check a third party insured car, but suppose you rolled into a bentley or through a shop, they have to pay the third party, but theres nothing stopping them still checking your car and suing you for what they paid for

[devilsadvocate]

And then claim that money back from you if you have fraudulently obtained your insurance

Ahh I see, that makes sense :)