How many people on sax-p declare all modifications?

[harry289]

Don't have to comment, name names or anything. Might of been done before, but i'm interested to know who declares all modifications from smoked jewels and angel eyes to turbo kits.

Some people may not declare anything, some may just put suspension even though they have induction and exhaust systems, and other may declare absolutely everything.

Poll time.

[harry289]

clicked wrong section, please move to insurance section, thanks.

[Paul]

Moved :y:

[harry289]

Thank you very much :)

[Payney]

Stuff light lights etc I don't, but the likes of engine mods etc I do.

[robbobobbo]

not sure how this works i have a diesel saxo with vtr alloys and vts interior these would class as modifications that i have to declare?

i know that these aint standard fitments on my car but are citroen parts so do i need to tell the insurance company, also people that dont know about cars as much wouldn't be able to tell if they were original fitment or not so where would they stand :S

also i dewipered the rear is this a mod that needs declaring :wacko: how picky are insurance companys

[Psycho18]

Just tell them noticable things so exhaust system, afternarket airbox, suspension.

[Ali123]

my insurance know about the exhaust, alloys, induction kit and about the suspension
things they dont know about are the tinted lights and tinted windows :)

[harry289]

not sure how this works i have a diesel saxo with vtr alloys and vts interior these would class as modifications that i have to declare?

i know that these aint standard fitments on my car but are citroen parts so do i need to tell the insurance company, also people that dont know about cars as much wouldn't be able to tell if they were original fitment or not so where would they stand :S

also i dewipered the rear is this a mod that needs declaring :wacko: how picky are insurance companys

i don't see citroen interior swaps to be a modification as they are all basically the same anyway. but can anyone else shed light on the matter? such as going OEM++

[Payney]

i don't see citroen interior swaps to be a modification as they are all basically the same anyway. but can anyone else shed light on the matter? such as going OEM++

Again, i have alloys on the car plus a VTS interior which arn't declared but again just say they are standard.

[e8_pqck]

i havent in the past, but will when i get turbo ax on the road - cant really have that as a 1.1... lol

[Prickle]

:detective:

[Moke]

I'll be honest, I haven't declared any of my mods.

My mods are only visual, not performance.

Tbh, at the of the day, if I get caught out, it's only me that's going to pay the price.

[Ryan1992]

I've got the exhaust and lowering declared but stuff like seats, lights etc i dont really see the point in declaring...

[DUBHEAD]

ive seen on other forums people declaring fucking painted interior panels and stickers lol that is ott imo, i would declare stuff like engine swaps etc but not pointless stuff

[harry289]

yeah that's the big issue i feel, not declaring engine swaps. one of the reasons i sold the puma'd fiesta

[DUBHEAD]

yeah that's the big issue i feel, not declaring engine swaps. one of the reasons i sold the puma'd fiesta

was the other reason it being a ford :homme::bump:

[Damask]

declared alloys for my renewal, and will lowering, probably not smoked lights etc :)

[Prickle]

I'll be honest, I haven't declared any of my mods.

My mods are only visual, not performance.

Tbh, at the of the day, if I get caught out, it's only me that's going to pay the price.


+1

all im saying.

i dont want a letter in the post saying im expecting anal on x date.

il reply with fuck off. :D

pay enough as it is. think im gonna dial up with ja... i own...

LOL.

[Moke]

My next car, which I'll have very soon, will be staying standard anyways... No point in me declaring now ;)

[Jay_T87]

Only mod on mine is that it's been lowered, but that was done by previous owner so I can just claim ignorance and say I thought it was standard :y:

[danny-vts]

everything is declared on mine,
205 gti alloys, lowered, smoked jewels doesnt cost me any more lol
only time it will affect my insurance is when i start doing custom interior and engine mods

[devilsadvocate]

Everything is insured on mine.

Lowering
Exhaust
Exterior Decorative Changes which covers grill, lights and anything else visual on the outside

Luckily it only cost like £30 for the above so worth paying.

In all honesty, I don't want an insurance company taking me to court in order to recoup costs if I whack my shitbox of a Saxo into a 100k Lambo and my insurance is void due to undelcared mods.

To answer the above questions, if it didn't come on that model of car when it rolled out of the factory then it's a mod and your meant to declare it.....whether you do or not is up to you of course :).

Some insurance companies are ok with mods as long as they are not performance.

Admiral and Elephant do things like Exterior Decorative changes (lights, grill, debadging, stickers etc) and Interior changes (bucket seats, stripped out etc).

[stevo67]

Everything declared just to be on the safe side.(only minor mods anyway)

[Mochachino]

In all honesty, I don't want an insurance company taking me to court in order to recoup costs if I whack my shitbox of a Saxo into a 100k Lambo and my insurance is void due to undelcared mods.



The lambo insurer would pay monez

[SnakeVTR]

where do you stand when you fit a 4 branch mani on a vtr mk2, which decats the car making it illegal anyway?? lol :y:

[Mochachino]

where do you stand when you fit a 4 branch mani on a vtr mk2

I usually stand in front of the radiator/front bumper

[e8_pqck]

My next car, which I'll have very soon, will be staying standard anyways... No point in me declaring now ;)

what u getting?

[Cam]

where do you stand when you fit a 4 branch mani on a vtr mk2, which decats the car making it illegal anyway?? lol :y:

Are you for real ?

[Barry123]

ive seen on other forums people declaring fucking painted interior panels and stickers lol that is ott imo, i would declare stuff like engine swaps etc but not pointless stuff

It's up to the insurer to determine whether it's 'pointless' or not, not you.

Only mod on mine is that it's been lowered, but that was done by previous owner so I can just claim ignorance and say I thought it was standard :y:

You can't claim ignorance:
1) because the insurers aren't stupid
2) because you are stupid as you've posted in the Insurance section of the public forum - and I've quoted you so you can't change your post retrospectively.

Everything on my car is declared,
induction, exhaust, XSi gearbox, 266 mm brakes, even the delocking and deaerialling.

[e8_pqck]

It's up to the insurer to determine whether it's 'pointless' or not, not you.



You can't claim ignorance:
1) because the insurers aren't stupid
2) because you are stupid as you've posted in the Insurance section of the public forum - and I've quoted you so you can't change your post retrospectively.

Everything on my car is declared,
induction, exhaust, XSi gearbox, 266 mm brakes, even the delocking and deaerialling.

Depends on your policy of what people are willing to claim for - for instance, if your paying £300 insurance on £500 car you aint never going to claim for theft, so why declare all the mods that affect theft claims? third party claims arent affected anyway, its only when claiming for yourself i nsome instances.

[Barry123]

Unless the insurer determines a breach of the contact setup between yourself and them (using fraudulent details - i.e. not declaring mods), in which case they can if they wish take you to court and reclaim the 3rd party costs and if they're proper arsey, for fraud too.

[e8_pqck]

bollocks will they over painted interior panels.

i claimed on a burnt out car - they didnt care about anything i did to it.

[Barry123]

i claimed on a burnt out car - they didnt care about anything i did to it.

not because the evidence had turned to carbon??? :P


I'm sure they're probably not arsed about painted bits, but do you really want to second guess insurers?

[Mochachino]

Most people I kno that have had crashes involving somebody else have had mods that were not declared. The valuating guy came out saw the mods on the car and didnt even bother about them and gave a value.

[Barry123]

Mods on the 3rd party?

[e8_pqck]

aye, becasue its cheaper than going to court anyway.

if you want to pay more for something you wouldnt claim for anyway - declare them. but for me i'd rather use common sense.

engine mods - prob best to declare them for the most part. but cosmetics, maybe not and they will be nicked anyway for theft claims so whats the point.

[Barry123]

aye, becasue its cheaper than going to court anyway.

if you want to pay more for something you wouldnt claim for anyway - declare them. but for me i'd rather use common sense.

engine mods - prob best to declare them for the most part. but cosmetics, maybe not and they will be nicked anyway for theft claims so whats the point.

I declared them because it didn't cost me anything extra... I guess that's me using a superior common sense to yourself?

[Mochachino]

Mods on the 3rd party?

Mods on my mates cars. 3rd party insurance and the other guys insurance paid for my mates damage, think it was written off though.

Anything thats standard off the same type of car I wouldnt declare. Obvious aftermarket branded products I would declare. Engine internal mods or remapped ECUs I wouldnt bother. Half the time Saxo owners dont even know if the cams theyre looking at are standard or aftermarket, and are insureres really going to strip and engine down to check, same with ECU. If theres only one place that can remap the triple plug ECU, surley thats the only place that can tell if a triple ECU is remapped.

Lights unless silly lexus lights you can get away with easily. De arialed I wouldnt bother decalring, its the same as snapped off arial lol.

Stuff like manifolds and exhaust,induction the obvious I would delcare.

Good job my car is standard!

[Barry123]

Mods on my mates cars. 3rd party insurance and the other guys insurance paid for my mates damage, think it was written off though.

I think you've missed the point danny. He's not claiming off his insurance so in that instance the mods aren't a concern.

[Mochachino]

I think you've missed the point danny. He's not claiming off his insurance so in that instance the mods aren't a concern.

I see what you're saying :geek:

It kinda makes 'its not you but the other idiots on the roads' invalid then. As long as you drive fine, if they crash into you and its their fault you will always be covered no matter what mods are on your car.

[Barry123]

yep that's pretty much how it works dude.

[e8_pqck]

I declared them because it didn't cost me anything extra... I guess that's me using a superior common sense to yourself?

it didnt cost you anything extra because they were things they didnt give a crap about. :homme:

I bet your insurers have a name for you by now.

[wadoryu]

Only mod on mine is that it's been lowered, but that was done by previous owner so I can just claim ignorance and say I thought it was standard :y:

it states in the eyes of the law ignorance is no excuse.

[Barry123]

it didnt cost you anything extra because they were things they didnt give a crap about. :homme:

I bet your insurers have a name for you by now.

I'm afraid you're making yourself look pretty stupid now - I'm not sure if you're arguing for the sake of it, or just genuinely thick. But it's probably in your best interest if you stopped posting, or at least, think about what you're posting first.

If they don't care about a particular mod, it does me no harm me either way to declare it? Regardless, it keeps me on the right side of the law at the very least.

Because you're having trouble understanding here's a run down of how I came to declaring my mods:
I rang up my insurer, asked for a quote, they asked if it had mods, I replied yes, they asked if it had internal engine mods, I said no (which it doesn't), they quoted, I haggled, then paid, they sent a request for a written list of the mods, I sent it back with ALL MY MODS declared, it cost me nothing to declare all my mods - I don't see the problem here, or why my insurers would have a name for me.

comprende?

[LSOfreak]

everyone i know doesnt declare mods lol insurance assessors etc. have come and not even noticed anything. generally i find theyre more interested in the damage than to search for mods. Ie. the chance of them opening up the bonnet to see an undeclared engine is extremely slim.

I think its all about selective declaring. As in declaring the obvious such as lowering lower than 40mm, induction kit, exhaust. buckets etc. Only things i have declared is lowering 40mm (even though its at 85mm :y:) and the exhaust system. Other mods which arent delcared which will probably never even be found out or can be removed easily are gti seats, gti gear knob, 1.1doorcards, tinted lights, mesh grill, vts wheels, mk2 spoiler, dewiper, painted calipers, HIDs

Id never declare things they arent likely to notice like cams, remapping, vts seats, other saxo wheels :homme:

[Dean-VTR]

i asked my insurance company about putting vts wheels on my vtr but they said it doesnt class as an "optional extra" they are classed "aftermarket wheels" so even that can void your insurance if youve put that.

Just letting you all know :)

[e8_pqck]

everyone i know doesnt declare mods lol insurance assessors etc. have come and not even noticed anything. generally i find theyre more interested in the damage than to search for mods. Ie. the chance of them opening up the bonnet to see an undeclared engine is extremely slim.

I think its all about selective declaring. As in declaring the obvious such as lowering lower than 40mm, induction kit, exhaust. buckets etc. Only things i have declared is lowering 40mm (even though its at 85mm :y:) and the exhaust system. Other mods which arent delcared which will probably never even be found out or can be removed easily are gti seats, gti gear knob, 1.1doorcards, tinted lights, mesh grill, vts wheels, mk2 spoiler, dewiper, painted calipers, HIDs

Id never declare things they arent likely to notice like cams, remapping, vts seats, other saxo wheels :homme:

exactamunto.

Barry stop being a bell.

[---RoBsTeRz---]

First 2 years i didnt declare anything, but for the last 2 years i have declared everything even including lights etc

[LSOfreak]

i asked my insurance company about putting vts wheels on my vtr but they said it doesnt class as an "optional extra" they are classed "aftermarket wheels" so even that can void your insurance if youve put that.

Just letting you all know :)

yeah but they dont always follow exactly whats been said on the phone. I doubt the assessor will be that clued up on which are R and which are S wheels. Unless hes a member of saxperience ofcourse ;)

S wheels do have the citroen badge marked on them also

[devilsadvocate]

yeah but they dont always follow exactly whats been said on the phone. I doubt the assessor will be that clued up on which are R and which are S wheels. Unless hes a member of saxperience ofcourse ;)

S wheels do have the citroen badge marked on them also

Chances are they wouldn't notice, especially if they are Citroen wheels but the risk element is still there.

If I do need to claim (touch wood), I don't need to worry that he may notice my undeclared mods because mine are all declared...even the grill lol

I have 4 years protected NCB that I couldn't afford to lose for the sake of paying an extra £30 to declare a few mods.

For me it's easy.....an extra £30 to declare some mods against the risk of having a void insurance policy (so no payout for my car) and losing my NCB (massive insurance premium increase).

[Manu]

My insurance didn't mind cosmetic changes, stuff like seats, aerial etc were not to be taken into account.

I doubt the assessor will be that clued up on which are R and which are S wheels. Unless hes a member of saxperience ofcourse ;)


Never underestimate people on what they might or might not be able to do. An assessor with 15 or 20 years experience may know more about cars than you do.

[Damask]

it cost me £7 to have aftermarket alloys on my insurance, and less the £100 if i choose to lower it, for a tenner a month i think its worth having the extra cover!

[Manu]

Errr, that's not extra cover :/ You're covered or you're not, there's no 2 ways about it.

[e8_pqck]

You have to decide exactly what you are covered against.

You have an accident, they claim off you - they are covered alloy wheels or not.

You have an accident in your £800 car and decide, i'm not claiming anyway because my insurance will be extortionate next year!! so you paid £10 for nothing.

[devilsadvocate]

You have an accident in your £800 car and decide, i'm not claiming anyway because my insurance will be extortionate next year!! so you paid £10 for nothing.

Assuming you are the only person involved, if you crash into someone and they claim off you then you will lose your NCB and your premium will likely go up.

[Damask]

oh yeah, if i crash and dont affect anyone else, then its a tenner wasted, but i think a wrecked car would bother me more ;)
but its if i crash into someone else, and the insurance wont pay out because they notice my alloys, thatsa where i wont take the risk

[e8_pqck]

Just been looking into the alloy wheel thing - if they are bigger than factory rims then you need to declare them as they can contribute to speedo error. Aftermarket 15s on a saxo with recommended tyres should be ok, these are cosmetic as they are the same but prettier - no issue.

But 16s say will need to be declared.

Loads of reports of either way. i hate insurance so dont like to give them any more money - i mean it was originally supposed to be a pot of money we all chipped into to help others when things went wrong, then it turned into a massive profit scheme and we now al pay for others to get very wealthy. Kinda sucks.

[LSOfreak]

Never underestimate people on what they might or might not be able to do. An assessor with 15 or 20 years experience may know more about cars than you do.

well its pretty certain he won't know as much about saxos as i do.
Ill bet my house an insurance assessor wouldnt realise what saxo's have what spec- such as a vtr with vts wheels/vts interior/ mk2 spoiler


Just been looking into the alloy wheel thing - if they are bigger than factory rims then you need to declare them as they can contribute to speedo error. Aftermarket 15s on a saxo with recommended tyres should be ok, these are cosmetic as they are the same but prettier - no issue.But 16s say will need to be declared.

Loads of reports of either way. i hate insurance so dont like to give them any more money - i mean it was originally supposed to be a pot of money we all chipped into to help others when things went wrong, then it turned into a massive profit scheme and we now al pay for others to get very wealthy. Kinda sucks.

never heard that before. it all depends on the insurer as rules vary. Most insurers terms and conditions ive read say any alteration from factory standard.

i also try my best to not tell them the things which give them more money. Theyre thieves in suits literally. when you get into trouble, the robbing cunts take huge excesses and sometimes dont even pay out for ridiculous reasons. If it werent the law i wouldnt even have insurance

[craig180]

When my bonnet flipped and the assessor came to inspect the car they were going to not pay out because they thought I'd not declared the air filter.

I obviously proved that I had and they paid for the repair. If I'd not declared it they would have not paid out.

I've always declared all my mods/changes down to a change in colour of wheels etc just incase.

[craig180]

PS e8_ you are wrong.

[devilsadvocate]

You can read all the websites you like, it's down to the insurance companies Terms and Conditions as to what constitutes a modification and every one I have read has stated that a modification is anything different to standard spec.

VTS wheels on a VTR is not standard spec because that model was never made with those alloys, the size makes no difference.

By taking out insurance, you are signing a contract which states you will abide by the terms and conditions set out by the insurer so if you break them then you leave yourself liable to having a void insurance policy if they find out......very simple :)

[Malky]

I never declared any mods on a car I had years ago. Wheels, lowered, s/s exhaust/induction kit.

I had a crash. Didn't have a chance to remove them before it was taken away.

Luckily for me the insurance paid out without saying anything about the mods.

After that, I declared all mods as it was a worrying time thinking I was screwed.

[Saxologist]

I declared everything to my insurance company, having a 1.1, i declared my VTR alloys, my induction kit, and lowering, I paid an extra £250 quid.

I asked them about my angels, smoke jewels, they said they didnt need reporting.

Jobs a gooden.

[billytalbott]

I didn't declare any of my mods for to years but now I have declared them so all is good :) and I will be declaring my engine swap next year aswell :)

[16vJamie]

i havnt declared anything lol

[f13sta]

saw on the terms on admiral that they will only repair to OE spec and will not replace modified parts. so is there really any point in declaring them? need to give them a ring to find out and see how much it will increase mine by :(

[Ryanoo]

saw on the terms on admiral that they will only repair to OE spec and will not replace modified parts. so is there really any point in declaring them? need to give them a ring to find out and see how much it will increase mine by :(

Yeah the same with elephant mate, that is a grey area I think.. I keep meaning to speak to them about that.

Does that mean though you have like a mesh grill etc, they will replace it in a crash with an OEM one?

[e8_pqck]

the information i found was from an insurer. yes i suppose they are all different.

if i had a £300 car with aftermarket alloys on i personally wouldnt declare the alloys as i wouldnt be bothered about claiming for them. that is the point.

dont declare them becasue you have to! stop giving way to corporate greed - they will happily take your cash and look for an excuse not to pay anyway.

there are so many people blinded by "doing the right thing" they cant see the law abiding criminal in front of them.

[Barry123]

I think there's more people blinded by the perceived 'corporate greed' of the insurers to be honest. e8_pqck, I'm genuinely not making it a hobby selectively arguing with you but you do appearing to be posting a significant amount of bollocks at the moment. If you tank the £300 car in another car and the insurers decide you're a bad-ass for not declaring your alloys there could, not saying there will, but there could be problem. I'd rather not have to deal with the legal route because I was a cheapskate. Take Saxo180 for example, his insurers were getting arsey over something as mundane as an air filter. Some people are happy to chance it, others not, that's up to them, but don't go thinking these people are idiots or inferior for staying on the right side of the insurers requirements. And in a some cases it doesn't cost any extra anyway (see my post above about my insurance, woop woop) - although why you'd put some alloys on a £300 car in the first place is beyond me regardless :err:

Anyway this 'corporate greed', I think you're paranoid dude.
Example again, GF had small accident in her car 3 months ago, she calls and pays RAC to tow her home (£150 out of her own pocket), we look at vehicle and decide to contact insurer and they collect car and assess it within 72 hours. It's a write off, they hand her a value for it, she declines, they make another offer, she declines, they make another offer (that took another 72 hours), she accepts they hand her a cheque (minus excess) 72 hours later (So that's 9 working days turn around - which isn't bad at all considering). Now at the time the insurer said they wouldn't pay out for the initial tow because GF called them independently of the insurer, which is fair enough as the costs were incurred before the insurer was notified. However she gets a cheque for £150 3 weeks later as a gesture by the insurer - Corporate greed? I think not.

Now, she buys a new car, and has been merrily driving it for the past 2 months, she then gets a letter from the insurer saying they had 'done an internal assessment and decided that the compulsory excess wasn't made clear.', now GF and I knew about the excess so it never even occurred to us that this was a 'problem', and presumably some retards had complained or something. Anyway they send a cheque for £200 the following week - corporate greed? I think not.

This was Tesco btw.

We've done quotes for her next year with the claim and it's a couple hundred pounds lower than the previous year without the claim.

Really they're not as bad as everyone makes out, but treat them with contempt and chances are they'll bite - and to be honest I wish they would more often as this murky grey area of (not) declaring leads to silly comments by you and others.

regards,

[Mochachino]

i havnt declared anything lol

hahaha yehhhh lol...

:S

[e8_pqck]

i knew i shouldnt have wrote corporate greed, small minds will pick up on that without seeing the point. i think ive already explained it a few times so wont go over it again.

[Ross]

Declare everything. Absolutely everything.

[J222JRA]

39 people declare no mods.....fucking idiots.

I declare everything.

[ed-bradley]

The guy I spoke to on the phone must have been a bit dopey or something.
When I aksed about visual Modifications-Wheels etc, he just replied saying " yeah thats fine mate, 'I' don't charge more for them.. He even said the same about a cage.
I was/am willing to pay more for modifications, to keep myself legal..however, I haven't on this occasion. His word overruled mine, even if he is wrong against company policy.

I just hope the conversation was recorded for future reference Lol.
That was with Endsliegh.

[KelVTS90]

i just declare things that are make a difference to performance of the car, not cosmetic. Like Moke said, its my fault and me whos going to suffer for not declaring stuff.

[Tom5190]

I'll be honest, I haven't declared any of my mods.

My mods are only visual, not performance.

Tbh, at the of the day, if I get caught out, it's only me that's going to pay the price.

everyone i know doesnt declare mods lol insurance assessors etc. have come and not even noticed anything. generally i find theyre more interested in the damage than to search for mods. Ie. the chance of them opening up the bonnet to see an undeclared engine is extremely slim.

I think its all about selective declaring. As in declaring the obvious such as lowering lower than 40mm, induction kit, exhaust. buckets etc. Only things i have declared is lowering 40mm (even though its at 85mm :y:) and the exhaust system. Other mods which arent delcared which will probably never even be found out or can be removed easily are gti seats, gti gear knob, 1.1doorcards, tinted lights, mesh grill, vts wheels, mk2 spoiler, dewiper, painted calipers, HIDs

Id never declare things they arent likely to notice like cams, remapping, vts seats, other saxo wheels :homme:

You have to decide exactly what you are covered against.

You have an accident, they claim off you - they are covered alloy wheels or not.

You have an accident in your £800 car and decide, i'm not claiming anyway because my insurance will be extortionate next year!! so you paid £10 for nothing.

i just declare things that are make a difference to performance of the car, not cosmetic. Like Moke said, its my fault and me whos going to suffer for not declaring stuff.

You crash into another car in your car and you havnt declared the mods then your insurence is void you have broken the law and the other party lose's out.

Dickhead attitude

[KelVTS90]

You crash into another car in your car and you havnt declared the mods then your insurence is void you have broken the law and the other party lose's out.

Dickhead attitude

:homme:

I havent declared them because i dont need to declare cosmetic, less of your attitude, not that people should have to explain themselves to you.

people do it at their own discretion, everyone should be aware of the risks that there taking so its there own fault. at least these people have insurance, its a start from the minority that dont!

however, i see where your coming from with regards to invalid/void insurance, wouldnt appreciate it if someone run into me and they didnt pay out because people cba to declare stuff xx

[e8_pqck]

You crash into another car in your car and you havnt declared the mods then your insurence is void you have broken the law and the other party lose's out.

Dickhead attitude

wrong. dickhead. :homme:

depends on insurance as you can see from many of the posts.

[Ross]

I havent declared them because i dont need to declare cosmetic, less of your attitude, not that people should have to explain themselves to you.


i just declare things that are make a difference to performance of the car, not cosmetic. Like Moke said, its my fault and me whos going to suffer for not declaring stuff.

So which is it?

Thankfully Cheshire is far enough away from me that crashing into me isn't likely, but I'll drop you a line if I come up that way so you can keep your uninsured car away from me on that day please...

:homme:

[TomT]

So which is it?

Thankfully Cheshire is far enough away from me that crashing into me isn't likely, but I'll drop you a line if I come up that way so you can keep your uninsured car away from me on that day please...

:homme:


It's not uninsured they'll still cover 3rd party

[Barry123]

i think ive already explained it a few times so wont go over it again.

finally.

[Tom5190]

wrong. dickhead. :homme:

depends on insurance as you can see from many of the posts.

How does it depend on insurence? if the ask you if your car is modified and you say no when it is, then you have lied :s the same as putting a false address

It's not uninsured they'll still cover 3rd party

So your telling me that if im third party insured right, and they ask me if my car is modified then i dont need to worry about declaring anything at all and paying the extra £200 because they actually dont car and will still pay our regardless if ive gave false information or not? hmmmmm

[devilsadvocate]

I don't see why insurers pay out for 3rd party damage in the event of a void policy, they should refuse full stop and make the 3rd party take the person to court to recoup the costs.

If you don't have insurance full stop and hit someone then the person you hit get's nothing.

If you have insurance and it is void because of undeclared mods for example, they still pay the person you hit.

Anyone find the logic in that???

I find it funny how people are selective on which mods they declare, declare them all or don't bother because performance or cosmetic, they are all modifications.

To be honest, you are more likely to get caught with cosmetic mods then performance ones!!

The people who don't declare mods are pretty fucked if they do crash and the insurance company refuse to pay out.

- No money for the car itself (or mods)
- All the money you have paid that year for insurance
- All the money spent on mods
- NCB gone
- The insurance company could take you to court to recoup the costs for paying the person you hit.

Seems well worthit for the sake of telephone call and a few quid to declare some mods......

[wezzasaxo1]

no mods declared but when i put s engine in will change that on log book thats it still wont bother declaring anything else

[KelVTS90]

So which is it?

Thankfully Cheshire is far enough away from me that crashing into me isn't likely, but I'll drop you a line if I come up that way so you can keep your uninsured car away from me on that day please...

:homme:

me? uninsured! ha, get a grip mate, your acting like a complete toffee nosed twat whos probs drives with your konk on the headlining!

it was an example, i pay my insurance, declare what they asked to, end of! x

[Tom5190]

I don't see why insurers pay out for 3rd party damage in the event of a void policy, they should refuse full stop and make the 3rd party take the person to court to recoup the costs.

If you don't have insurance full stop and hit someone then the person you hit get's nothing.

If you have insurance and it is void because of undeclared mods for example, they still pay the person you hit.

Anyone find the logic in that???

I find it funny how people are selective on which mods they declare, declare them all or don't bother because performance or cosmetic, they are all modifications.

To be honest, you are more likely to get caught with cosmetic mods then performance ones!!

The people who don't declare mods are pretty fucked if they do crash and the insurance company refuse to pay out.

- No money for the car itself (or mods)
- All the money you have paid that year for insurance
- All the money spent on mods
- NCB gone
- The insurance company could take you to court to recoup the costs for paying the person you hit.

Seems well worthit for the sake of telephone call and a few quid to declare some mods......

I thought most companies were taking the drivers to court now if they had void insurence?

[0rang3peel]

If insurance wasn't so expensive I would declare my mods, I also would if I was ever planning to claim on insurance for my vehicle if it was hit, as it stands I only have insurance encase I hit something I couldn't pay for out of my own pocket and the fact that it's a legal requirement.

[Tom5190]

If insurance wasn't so expensive I would declare my mods, I also would if I was ever planning to claim on insurance for my vehicle if it was hit, as it stands I only have insurance encase I hit something I couldn't pay for out of my own pocket and the fact that it's a legal requirement.

Yea but the point is that if your insurence is void theres a chance that they wont pay out for the other person :S there for your guna have to pay out your own pocket.

[0rang3peel]

Yea but the point is that if your insurence is void theres a chance that they wont pay out for the other person :S there for your guna have to pay out your own pocket.

There is a chance, but currently it's a very little one. I would first thing be down the car anyway replacing any bits & bobs.

I say this with consideration, I only have little mods few cosmetic things and a few engine bits nothing stupid like turbos/chargers and the like in which case you should certainly declare imo.

[scottyvtr]

decared it was lowered but not brakes or visual

[Ross]

me? uninsured! ha, get a grip mate, your acting like a complete toffee nosed twat whos probs drives with your konk on the headlining!

it was an example, i pay my insurance, declare what they asked to, end of! x

Difference is sunshine, I'm a legal toffee nosed twat. You're the one driving with undeclared modifications, not me. I hope you get your comeuppance sooner rather than later. 6 points for driving without valid insurance should do it nicely.

[Prickle]

Difference is sunshine, I'm a legal toffee nosed twat. You're the one driving with undeclared modifications, not me. I hope you get your comeuppance sooner rather than later. 6 points for driving without valid insurance should do it nicely.

thought she said she didnt have to declare visuals?

Scotty, tut tut. :homme:

brb ringing insurance up to declare my stickers and golf splitter. :zainy:

[Ross]

thought she said she didnt have to declare visuals?

Scotty, tut tut. :homme:

brb ringing insurance up to declare my stickers and golf splitter. :zainy:

You need to declare everything even if an optional (fitted at the factory) extra. Anything non-standard should be declared.

If someone has policy wording that specifically says they can have "visual modifications" undeclared, I'd love to see it - I can't see a dimma kitted saxo rollin' on 19's being classed as the same insurance risk as a el boggo standard one.

In the great internet slang, pics, or gtfo.

[devilsadvocate]

Another thing that makes me laugh is when people say things like 'I declared what they asked me to'

In the T&C (which you accepted) it will state that it's your responsibility to read everything accurately and your responsibility to tell the insurer any mistakes which you find.

Things like 'The man on the phone told me I didn't need to declare them' or 'They got the information wrong, why should I tell them' WILL NOT hold up in court.

If the insurer makes a mistake on the policy, legally it's YOUR mistake for not checking everything thoroughly because YOU accepted the terms and conditions (which you probably didn't read)

People have sooo much growing up to do on this site...

[craig180]

Brentacre's policy allows you to have unlimited cosmetic mods but still states you have to declare ALL mods, it's just it doesn't affect the policy price

[Barry123]

I love brentacre. I'm going back with them next year.

[Ross]

Ironically whilst having this discussion I'm actually (right now!) on the phone to Adrian flux declaring my removal of the roll cage, harnesses, seats, fuel system etc, and the reversal back to standard interior...

No change in premium and no charge. Easy as that. Why declare "lower value" mods? Because it changes the specification of the car, and the insurers view of the risk. Simples.

[ed-bradley]

Tbh, reading alot of the things on here has made me think twice about declaring things, even if they are only petty things like wheels and different seats.

I emailed my insurance company, and asked them what the deal was with Modifications.
They replied with 'dependant on the change, it may increase your premium. However in your case, your premium is not set to change for the modifications you have listed.'

So I'm 100% sorted for the time being. Considering I thought I was going to have to pay more, I haven't so its not to bad.

[craig180]

I love brentacre. I'm going back with them next year.

Likewise. Customer service is "above and beyond" and it's really nice that they actually know you as a customer when you call.

John there has sorted out loads of stuff fir me in the past like when the air filter issue was brought up and they admitted that was their error and got it sorted straight away

Even if my premium increases next year I'll stay with them

[e8_pqck]

Another thing that makes me laugh is when people say things like 'I declared what they asked me to'

In the T&C (which you accepted) it will state that it's your responsibility to read everything accurately and your responsibility to tell the insurer any mistakes which you find.

Things like 'The man on the phone told me I didn't need to declare them' or 'They got the information wrong, why should I tell them' WILL NOT hold up in court.

If the insurer makes a mistake on the policy, legally it's YOUR mistake for not checking everything thoroughly because YOU accepted the terms and conditions (which you probably didn't read)

People have sooo much growing up to do on this site...

Totally and utterly WRONG - YOU GROW UP.

Read this thread here as it discusses this EXACT issue and see the outcome. also note the response from the insurance underwriter who is certainly more well informed than yourself.

http://www.theanswerbank.co.uk/Insurance/Question831488.html

[e8_pqck]

i will post his answer so you can read it yourself:

OK. I work for UKI, they underwrite Direct line. They also do the same for Tesco, Churchill, Privilege, Lloyds TSB, Prudential.....it goes on, we're a massive company. We're also, in turn, owned by the RBS so penny-pinching is in full flow at the minute.

I'll get the easy stuff out of the way first.

Wheels affecting price. When we add aloy wheels on to our system it gives a couple of options.

1. Non-standard alloy wheels fitted to a new car. This doesn't affect the premium as they are fitted by the manufacturer, they're the size the manufacturer specifies for the vehicle, so they are an optional extra. It's pretty much the same as before, just a prettier wheel.

2. Non-standard alloys fitted to a used car. Now, this is why it rates differently. The car's speed is taken from each revolution of the flywheel. It will know, by the amount of rpm's the flywheel is doing, how fast your car is going on lets say a 17inch set of wheels. using the distance the wheel is travellimg, over time, gives you the speed. Simple, basic physics. Now, If you have 19inch wheels fitted as a mod, for each full rotation of the wheel, the car is travelling further, now it might only be a few inches, but when you're heading over 70mph, the distances start to add up. Now the flywheel always rotates the same distance, but your car is travelling further. Simply put, your speedo is out. You are travelling faster than you believe. This can increase the likelyhood of accidents whilst going around corners & with pedestrians. it sounds far fetched but this is the way they assess it.

Windown tints bringing the price down. The window tints, as they're classing them as a modification, will add an extra xs to the policy. The higher the xs, the lower the premium. That's why you'll see a decrease in premium.

front windows! The greater the level of tint, the worse the visibilty at night due to low light levels reaching the eyes of the driver. This obviously affect the risk. If they were done by the manufacturer, they shouldn't be charging for them. They will be listed as a mod, just for the sake of information, but they wouldn't be classed as a rating factor.

Mods declared on the internet. You are correct, you cannot add modifications whilst doing a quote online with any UKI brand. It does state on there, that if the car has modifications, you will need to continue your quote over the phone.

Right, that's all the other stuff out of the way.

Declaring wheels. You have said that the wheels were non-standard. The consultant has acknowledged that you have declared the wheels. This is all it takes. It is entirely not your fault. He has told you, whilst being recorded, that they are cosmetic modifications & that they do not need to be declared. You are now of the opinion that cosmetic mods do not need to be declared, it's only correct that you wouldn't declare the tints. He knows that mods affect the price, his job is to sell policies. He is scamming and, by rights, should be suspended. I know this because dealing with little pricks like this is what i do within UKI.

Firstly, you need to contact the sales team & as politely as you can, you need to speak with a team leader. You need to explain all of the above & reiterate the fact that you declared, when asked, the alloy wheels & that you didn't mention the tints because of what the consultant said.

You need to tell them that you WILL NOT be paying the higher xs as this is not your fault at all. You should also be aware that you haven't been asked to sign & return your documents, don't mention this, but just as a fall back you haven't made any agreement that the policy is correct with regards to the mods. We stopped asking folks to sign & return documents ages ago.

Explain that you want a complaint logging on the system. Tell them that you also want it escalating to CRD (customer relations department) & that you expect a call back within 48 hours. be firm but pleasant.

Don't contact the ombudsman, the FOS don't govern our insurance anymore. We are regulated by the FSA (financial services authority), they will pretty much tell you what i have just said, but it's nice to get some sort of official backup. Believe it or not, the FSA is on your side. Give them a bell.

None of this is your doing, if they have the call recorded, which we bloody well will, we record ALL CALLS, and they are stored digitally for 12 months so they will have it there, you can use that to back you up.

Remember, when you speak to us, it might not have been our individual error, be polite to us & you will get the best customer service you have ever had. Be a twit & they will more than likely cut you off. Just be patient, let the cogs turn & be savvy about everything i've explained.

If you want anymore info drop me a line & i'll help you out. This is just *** of the highest order & you aren't liable for it.

i hope this helps.

[Ross]

(stolen from elsewhere):

The FOS has published extensively on how they view cases of non-disclosure, see:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/61/61-insurance.htm

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm

... many insurers specifically state that any changes whatsoever from the base model must be declared. This would clearly include optional extras. Reason being is that (for example) a body kit, spoiler and alloys which are a factory option clearly raise the risk just as much as the same items fitted after sale.

It is not relevant that the modifications are not directly linked to a potential loss. The issue is not one of breach of warranty or condition (where the breach must be in some way causative of the loss in order for the insurer to rely on that warranty or condition to reject the claim), it goes deeper than that. The contract is founded on utmost good faith - i.e. you know all the facts relating to the risk and the insurer relies on you honestly disclosing all relevant facts accurately.

As you did not disclose all relevant facts accurately then they are entitled to 'rewrite' the policy and apply the terms that they would have applied at inception had they known the true facts. This is in accordance with the FOS guidance linked to above.

It may seem a large increase in premium/excess but a lot of direct insurers 'and direct style' intermediaries basically cherry-pick what they see as good business - experienced drivers, good claims/conviction history, sensible cars. To discourage stuff like modifications they load the premium/increase excesses and so they know that where they do pick up risks which are outside their 'preferred' criteria they are at least getting a decent premium for it.

[e8_pqck]

Ross, your cherry picking is bullshit. you pretty much backed up my argument.

The insurer must first provide evidence that it asked the customer a clear question when the customer asked to take out or renew a policy. The insurer may ask questions via a traditional proposal form, which records the answers.

Only where there is clear evidence of fraud should the insurer retain the premium. In all other cases of deliberate or reckless non-disclosure, the premium should be returned, not least so as to protect the insurer’s position. Retaining the premium could be interpreted as an intention to affirm the contract and/or waive the right to "avoid". Our experience is that most insurers return the premium in any event.

easy to see why they just pay up. at the end of the day, they just increase premiums.

[Barry123]

Ross, your cherry picking is bullshit.

You're not exactly cherry free either... you've picked one underwriter as your example, one underwriters policy could differ from another.

[Ross]

I'm not questioning if they return the premium. They may well do. As you say, keeping it might imply there is a contract. The insurance company are likely to wish there ISN'T a contract, and thus avoid paying anything - and recouping third party claim costs from the proposer. In fact, I'd say it's in the insurance companies interest to return the premium if they plan on denying the claim.

My point, which still stands, is my belief, and that of my insurance company when asked, is that modifications that effect the perceived risk of cover (looks, specification, power etc) should all be declared. Otherwise the insurer has grounds that the original contract/agreement between them and the proposer is void. This nulls any cover. They MUST pay out a 3rd party claim by law - but equally they can (rightly) claim those costs back by suing the proposer.

[e8_pqck]

You're not exactly cherry free either... you've picked one underwriter as your example, one underwriters policy could differ from another.

"UKI, they underwrite Direct line. Tesco, Churchill, Privilege, Lloyds TSB, Prudential.....it goes on, we're a massive company" :homme:

[Barry123]

"UKI, they underwrite Direct line. Tesco, Churchill, Privilege, Lloyds TSB, Prudential.....it goes on, we're a massive company" :homme:

I see no argument here. UKI are one of numerous other massive underwritering companies... they've got to be or the moment a large scale claim goes through (say natural disaster) they'd go bankrupt.

[e8_pqck]

ok, fair enough Ross, thats ok for you and your hihly modded and expensive car - i doubt the changes you are making now will affect it that much - surely you are at mod saturation by now!!

but to berate others who already pay £££ (that wont claim anyway on cheap cars) for not wanting to spend more cash on insurance that is unlikley to affect their policy is a tad "toffee nosed"

in most cases they will just increase premiums - taking every tom dick and harry to court is just a waste of time for them.

[e8_pqck]

In fact, I'd say it's in the insurance companies interest to return the premium if they plan on denying the claim.


LOL!

why would they return a 1000 pound premium on a car worth £800!!

they wont, so why pay more?

[Ross]

ok, fair enough Ross, thats ok for you and your hihly modded and expensive car - i doubt the changes you are making now will affect it that much - surely you are at mod saturation by now!!

but to berate others who already pay £££ (that wont claim anyway on cheap cars) for not wanting to spend more cash on insurance that is unlikley to affect their policy is a tad "toffee nosed"

in most cases they will just increase premiums - taking every tom dick and harry to court is just a waste of time for them.

I agree that I'm in a position where due to my age and experience, nothing much really affects my insurance. Hell, I can insure a Vantage for under £1500 fully comp ;) BUT - surely you see the argument from the other side also - regardless of your age or financial predicament, it's imperative to declare everything possible. In the event of an accident failure to do so can result in (at best) a refusal to pay out for your vehicle loss and at worst, paying out for 3rd party costs and an attempt to recoup from you.

Why run that risk? Even if you're insured 3pf&t only - if your car gets nicked, you want the insurance company to pay out presumably. But now lets pretend there are two identical saxo's parked next to each other - but one has nice alloy wheels not the standard ones. Which is more desirable? And if the car is more desirable, surely it demands a higher premium to cover the higher risk. By not declaring those wheels, you're misrepresenting the risk to the underwriter, and therefore invalidating the cover you agreed with them. In a theft claim it wouldn't be so bad - you'd just not get paid for your loss, or perhaps be paid a reduced amount (minus the increase in premium the wheels would have added). However, in a 3rd party claim, the insurer surely is well within their rights to attempt to recover the costs brought to it on a claim that was misrepresented from the start.

I'm not berating anyone - I honestly think that anyone (of any age) who doesn't declare their modifications is a fool running an unnecessary gauntlet. If you cant afford the insurance of the modifications, why buy the modification? That implies you're malicious in intent of deceiving the insurer. You'd think twice about the insurance implications of having a different (higher insurance risk) car, but not about modifying the current car to a higher insurance risk. That doesn't make any sense to me at all :S

(FYI "you" in this posts context is generic - I'm not singling you out ;))

[Ross]

LOL!

why would they return a 1000 pound premium on a car worth £800!!

they wont, so why pay more?

They might well return it if they then take you to court for the £15,000 of damage you caused for someone else.

[Dury]

Declare everything, If you don't your a fucking tool.

In my fezza they said they wouldnt pay out because i changed my alloys. I declared them when i first took insurance out they double checked and it was fine.
Now id rather pay an extra £2 a month for them alloys than not be paid in an accident. Its what £24 over a year.. I will lolol at you and lolol some more when you crash and cant claim for not declaring everything.

[Ross]

Just an update to my earlier post (again stolen from elsewhere on the internet):

In cases where the car has been heavily modified/added to the insurer will consider two things:

1) As the car had been heavily modified/added to and the changes were not disclosed it is almost certainly the case (and it would be reasonable to assume) that the policyholder's non-disclosure was due to deliberate fraud or reckless non-disclosure. In such cases the insurer is entitled to void the policy and thus reject the claim.

2) Secondly, even if the non-disclosure was not due to fraud or reckless non-disclosure, chances are that in any case the insurer would not have offered any cover at all had it known about the changes. Then it may reject the claim even if the non-disclosure was inadvertent.

[e8_pqck]

Just an update to my earlier post (again stolen from elsewhere on the internet):

In cases where the car has been heavily modified/added to the insurer will consider two things:

1) As the car had been heavily modified/added to and the changes were not disclosed it is almost certainly the case (and it would be reasonable to assume) that the policyholder's non-disclosure was due to deliberate fraud or reckless non-disclosure. In such cases the insurer is entitled to void the policy and thus reject the claim.

2) Secondly, even if the non-disclosure was not due to fraud or reckless non-disclosure, chances are that in any case the insurer would not have offered any cover at all had it known about the changes. Then it may reject the claim even if the non-disclosure was inadvertent.

were not talking about heavily modded - everyone here agrees that they should be declared - i dont think you'd get away with that.

what we are disputing is the "declare everything" nonsense. some people even phoning up about painting interior pieces and stickers!!! WTF!!!

[Barry123]

were not talking about heavily modded - everyone here agrees that they should be declared - i dont think you'd get away with that.

what we are disputing is the "declare everything" nonsense. some people even phoning up about painting interior pieces and stickers!!! WTF!!!

So at what point do you consider a mod unnecessary to declare? What would be in your 'To declare List' and in your 'Not to declare List'? And what criteria do you base it on?

[Ross]

were not talking about heavily modded - everyone here agrees that they should be declared - i dont think you'd get away with that.

what we are disputing is the "declare everything" nonsense. some people even phoning up about painting interior pieces and stickers!!! WTF!!!

would it materially affect the risk posed to the insurer? Is it going to make the car "faster"? Is it likely to make the car stand out more (more desirable to thieves). If yes, or you're *unsure*, then you need to declare it. If your interior plastics dont affect the premium, where's the harm in telling them? If they DO affect the premium, be grateful you told them rather than drive on a policy the insurance company view as invalid.

Simples. Tell them everything - let THEM decide what's worth loading the premium for, not the layman. :)

[Furio-92]

I've only declared my performance mods and suspension. Lights, Grills, Wheels, interior, ICE ect i havent

[e8_pqck]

it cost me £7 to have aftermarket alloys on my insurance, and less the £100 if i choose to lower it, for a tenner a month i think its worth having the extra cover!

now here's a prize bellend - pays extra to fit alloys with bold tyres on, then another ton for lowering it.

Not only that, he doesn't claim anyway so that turns out to be a great investment - maybe he could have spent that extra cash on new tyres. :homme:

good call.

[devilsadvocate]

Quotes or posts from the internet are is no way proof, simply the opinion of others.

The only document which matters is your own companies terms and conditions so I suggest everybody read thiers instead of posting on a forum asking questions.

Selecting certain mods is a waste of time, either declare everything or declare nothing because an insurance assesor is not going to say 'Oh I see you have declared the Turbo but not the Alloys....I will let you off'.

If people chose not to declare mods, that's their issue and hopefully they will bear the brunt if they have to claim but advising them to do so is stupid.

Some people need to grow the fuck up and realise rules are there for a reason.

If you are going to lie to the insurance company about mods, why not tell them you live at another cheaper address or that you have 5 years NCB instead of the 2 you actually have......anything to make the premium cheaper eh ;)

[Ross]

section 144 RTA ftw. THEN I wouldn't declare my mods. In fact, I'd not have insurance :p

Police can gtfo with their anpr ;)

[e8_pqck]

However links to people who know what they are talking about prove that you don't.

agreed - check your insurance, declare it all if you prepared to pay or want piece of mind.

I just try to keep my cash in my pocket as insurance is costly enough so im not prepared to pay for things i dont actually need or want like alloy wheel cover on $40 worth of alloys.

[devilsadvocate]

However links to people who know what they are talking about prove that you don't.

agreed - check your insurance, declare it all if you prepared to pay or want piece of mind.

I just try to keep my cash in my pocket as insurance is costly enough so im not prepared to pay for things i dont actually need or want like alloy wheel cover on $40 worth of alloys.

How do you even know it was them posting it, could have been anyone.

You will be telling me that wikipedia is accurate next!!

Insurance is not costly for me because I have 4 years NCB (protected) and 7 years driving experience, even mods are cheap to declare.

Want to know why.....because I have proved I am low risk by going 4 years (7 technically but didnt have a car for a few years) without making a claim.

[e8_pqck]

without making a claim.

at last!

so why pay more.:homme:

[Tom5190]

now here's a prize bellend - pays extra to fit alloys with bold tyres on, then another ton for lowering it.

Not only that, he doesn't claim anyway so that turns out to be a great investment - maybe he could have spent that extra cash on new tyres. :homme:

good call.

So he hits me in his car and kills my passenger........ His insurence will pay out hes legal

If the same thing happens and his insurence turned round and said they arnt paying out insurence was void, your saying thats ok?

[Ross]

at last!

so why pay more.:homme:

Cancel your insurance then. When you get pulled by the police simply say "ah yes officer, but I won't have a crash". Should work out dandy for you...

If you can't see the relationship between premium and risk there is little point discussing it. If you concede modifications affect risk (both up and down) then you understand you should declare them. If you understand you should declare them but choose not to, then you must understand you are comitting reckless non-disclosure.

Your arguement is fundamentally flawed because realistically if you told them you had different alloys (or whatever) they'd likely not care enough to hike the premium - but that's THEIR choice, not yours.

As I and someone else asked you earlier- what do you consider worth declaring and not worth declaring, and where did you get that decision from? Should someone not declare a turbo? Perhaps an expensive stereo? You acknowledge "some" modifications should be declared - why. Really. Why declare any? Based on your previous posts are you saying morally you should declare a turbo but not for example an air filter? What about cams? An exhaust? A 150 shot of nitrous? A 5bhp shot perhaps?

It's for the insurer to decide what needs to be covered. Deciding yourself what you feel morally obliged to admit to IS malicious, and amounts to fraud. It's a world of hurt that a simple phone call can solve - possibly without cost.

[e8_pqck]

So he hits me in his car and kills my passenger........ His insurence will pay out hes legal


Yes they would pay out.

If they so wished they could pursue the driver for damages - but it would come down to whether the wheel caused the accident or not which would most likely get thrown out - it's like using a halfords brake pad and not a citroen - the wheel was fit for purpose with the right size tyre then it would be good to go.

i believe they would also be limited in their claim to the difference in premiums with/without the wheels - so $7.

likely to happen. no.

you save $7? yes.

are you a bellend. yes. :drink:

[Barry123]

Yes they would pay out.

If they so wished they could pursue the driver for damages - but it would come down to whether the wheel caused the accident or not which would most likely get thrown out - it's like using a halfords brake pad and not a citroen - the wheel was fit for purpose with the right size tyre then it would be good to go.

i believe they would also be limited in their claim to the difference in premiums with/without the wheels - so $7.

likely to happen. no.

you save $7? yes.

are you a bellend. yes. :drink:

Now you're making assumptions and your justifications are looking less reasonable with each post, even by your own 'proof' from the UKI quote, wheels could and should be declared. $7(?) is nothing really, telling someone they are a 'bellend' over $7(?) only belittles yourself.

[e8_pqck]

have you declared your halfords brake pads?

[Barry123]

have you declared your halfords brake pads?

I don't have halfords brake pads. I've got OE ones.

[e8_pqck]

you're such a good boy.

[e8_pqck]

I don't have halfords brake pads. I've got OE ones.

Qoutes from barry:

no probs sorry about the delay and stuff (6 hour drive today )!
yeah I've already got the calipers, my order from Kamracing should be here tomorrow so I'll pop to halfords and buy some crappy pads and lob them on. Lots to do though

-------------------------------------------

I was a bit naughty and didnt declare mine as the policy was up for renewal pretty soon after the alloys went on. Bad i know

But when it came to declaring on the new policy it didnt make any difference... but i haggled like a mofo.

-------------------------------------------

didn't declare my seats... probs thinking i should really - i actually genuienly forgot about them at insurance renewal time.

Everything else is declared.

Alloys
Soon to be bodykitted
even door handles sprayed

-------------------------------------------

you damn liar!! LOL

i withdraw last statement. you're such a bad boy... :homme:

[Barry123]

Qoutes from barry:

no probs sorry about the delay and stuff (6 hour drive today )!
yeah I've already got the calipers, my order from Kamracing should be here tomorrow so I'll pop to halfords and buy some crappy pads and lob them on. Lots to do though

-------------------------------------------

I was a bit naughty and didnt declare mine as the policy was up for renewal pretty soon after the alloys went on. Bad i know

But when it came to declaring on the new policy it didnt make any difference... but i haggled like a mofo.

-------------------------------------------

didn't declare my seats... probs thinking i should really - i actually genuienly forgot about them at insurance renewal time.

Everything else is declared.

Alloys
Soon to be bodykitted
even door handles sprayed

-------------------------------------------

you damn liar!! LOL

i withdraw last statement. you're such a bad boy... :homme:

Taken out of context, but if you're losing an argument I can see why you've resorted to this approach.
That must be 2 years old that first statement - if you'd been a bit more thorough you'd have found that I'd replaced my calipers and thus brake pads a few months ago (with OE brakes and discs). EDIT: I didn't even put halfords pads on in the end either!!!

2nd post must be 4 years old? They were declared within a couple of weeks and the reason for that was I'm sure I was on holiday (or business can't remember off the top of my head) during that time. On my return my had the insurance up for renewal and subsequently declared.

3rd post must be at least 4 years old - seen as though I haven't changed my seats on my current car - but as stated in my post I did declare them.

Digging up posts (top work on the stalking though :y: ) from years ago makes your case no stronger. There's no harm in righting a previous wrong than just ignoring the current situation... fact is, I've never ignored a mod that needed declaring. I'm declared and there is no reason for anyone not too.

If you're going to go mud slinging you'll have to try a lot better than that.

[e8_pqck]

keep your excuses. :homme:

are you sure you have everything declared - quick, go check. i mean you're "forgot" before, so maybe you "forgot' again.. :y:

[Barry123]

yep, fully declared.

Still perplexed that you've had to go back four years to interrogate my insurance history (with only seats coming up as an anomaly). But ultimately you're only diverting attention from the main issue here where you say declaring mods isn't necessary, we've established it is... and you're getting desperate it would appear.

[Payney]

yep, fully declared.

Still perplexed that you've had to go back four years to interrogate my insurance history (with only seats coming up as an anomaly). But ultimately you're only diverting attention from the main issue here where you say declaring mods isn't necessary, we've established it is... and you're getting desperate it would appear.

Your a fucking legend son. :y:

[saxokid100]

Everything is declared on both my vts"s.........

[devilsadvocate]

e8_pqck has no facts to back up his arguement, it's simply his opinion and whatever else he has managed to find on the Internet.....

Legally you are required to declare everything that it set out in your own insurers terms and conditions and every time I have looked, this has been anything that did not come on the car as standard when it left the factory and yes that includes VTS alloys on a VTR!!

Whether your declare everything, nothing or just some things is your own decision but there IS a risk that your insurance company could send somebody round in the event of a claim and upon finding ANY modifications, could just void your policy and you end up with nothing.

Legally they are obliged to pay the 3rd party even in the event of a void policy but they could then come after you to recoup the costs through the court.

In my opinion, the risk of losing my NCB and the money I have paid for the car/insurance is not worth taking for the sake of £30 extra to declare a mods.

As said before, declaring some things and not others is a waste of time and what logic do you use to decide what is and isn't worth declaring?

[Tom5190]

Yes they would pay out.

If they so wished they could pursue the driver for damages - but it would come down to whether the wheel caused the accident or not which would most likely get thrown out - it's like using a halfords brake pad and not a citroen - the wheel was fit for purpose with the right size tyre then it would be good to go.

i believe they would also be limited in their claim to the difference in premiums with/without the wheels - so $7.

likely to happen. no.

you save $7? yes.

are you a bellend. yes. :drink:

Do you actually know what your on about? Firstly why would it matter what caused the crash :s if the wheels were declared and they shatters then the company would have no choice but to pay out because his insurance would be 100% legit because everything was declared.

I no numerous people who have had void insurance and they havnt paid out resulting in one actually losing his licence for driving uninsured. Your talking complete shite and you need to stop throwing you mouth around like a massive e-warrior as it tends to bite people in the arse....

[e8_pqck]

e8_pqck has no facts to back up his arguement, it's simply his opinion and whatever else he has managed to find on the Internet.....

Legally you are required to declare everything that it set out in your own insurers terms and conditions and every time I have looked, this has been anything that did not come on the car as standard when it left the factory and yes that includes VTS alloys on a VTR!!

Whether your declare everything, nothing or just some things is your own decision but there IS a risk that your insurance company could send somebody round in the event of a claim and upon finding ANY modifications, could just void your policy and you end up with nothing.

Legally they are obliged to pay the 3rd party even in the event of a void policy but they could then come after you to recoup the costs through the court.

In my opinion, the risk of losing my NCB and the money I have paid for the car/insurance is not worth taking for the sake of £30 extra to declare a mods.

As said before, declaring some things and not others is a waste of time and what logic do you use to decide what is and isn't worth declaring?

you spouted on about what you say over the phone cannot be upheld in a court of law

IT CAN - THE CALLS ARE RECORDED and supported by the FSA

GET YOUR FACTS RIGHT

I proved Barry is a liar - also spouting on about how he declares EVERYTHING except his alloys and his seats which is OK because he FORGOT once - WHAT A HYPOCRITE

So when he said I declare everything - what he actually meant was...

the brake pads are a great example - you could argue that different pads are a modification and a major part of the car - probably the most important, but how many people declare their non OEM fast road pads!!!!! But they ring up about a sticker!!

Then another guy declares his alloy wheels and puts bold tyres on!!!!

What a joke.

[craig180]

Quit while you're only this far behind e8

[Ross]

<snip>
Then another guy declares his alloy wheels and puts bold tyres on!!!!

What a joke.

http://www.millsworks.net/blog/wp-content/uploads/2009/04/writing_process.gif

Chill bro.

[Barry123]

I proved Barry is a liar - also spouting on about how he declares EVERYTHING except his alloys and his seats which is OK because he FORGOT once - WHAT A HYPOCRITE


You haven't I'm afraid, everything is declared (note that is present tense).

[e8_pqck]

You haven't I'm afraid, everything is declared (note that is present tense).

I know full well when it was, but it doesn't make it right does it. By your own definition you were driving uninsured.

i actually dont think it mattered, im just pointing out that you (in the past) have done the exact same thing, so that makes you a hypocrite. FACT.

now get beers in. :drink:

[Barry123]

I know full well when it was, but it doesn't make it right does it. By your own definition you were driving uninsured.

i actually dont think it mattered, im just pointing out that you (in the past) have done the exact same thing, so that makes you a hypocrite. FACT.

Hypocrite I can take, but you're coming across rather strongly as someone backed into a corner (metaphorically) and you're making yourself look silly - and you're unhealthily hung up on an action I took four years ago :err: Your above statement suggests because someone hasn't declared an item in the past, that this should continue?

odd direction to take don't you think? Which means this particular approach you're taking to the argument is frankly weak, and skips over the fact that the thread is regarding the declaration of your mods. Furthermore, if you haven't in the past there's no punishment for ringing them up and doing it now - so what's the problem?

[e8_pqck]

Hypocrite I can take, but you're coming across rather strongly as someone backed into a corner (metaphorically) and you're making yourself look silly - and you're unhealthily hung up on an action I took four years ago :err: Your above statement suggests because someone hasn't declared an item in the past, that this should continue?

odd direction to take don't you think? Which means this particular approach you're taking to the argument is frankly weak, and skips over the fact that the thread is regarding the declaration of your mods. Furthermore, if you haven't in the past there's no punishment for ringing them up and doing it now - so what's the problem?

Barry, there are numerous discussion points in this thread - that was about your hypocritical stance on declaring mods - you have now admitted. no problem. we can move on.

It doesn't mean any of my other points are less valid and i still stand by them - i am sure people can go back and read them and read the same points brought up by others

its fine sitting there like an internet golden boy saying people should declare everything - that's a safety net. But people don't, and they don't for various reasons, which are sound and logical reasons.

The fact is that saying you're going to be bundled into court and sued and done for driving without insurance for undeclared alloys or things you say on the phone don't count are just scaremongery, as i said, the brake pads are a great example, which i daresay 99.9% of people do not declare and don't make a blind bit of difference. :drink:

[Ross]

I fail to see how the terms of most insurers can be any more clear:

Privilege for example:

Your duty
We will only provide the cover set out in this policy if you keep
to all the terms and conditions of the policy.
All information given to us must be, as far as you know, correct.
It is your responsibility to make sure that information relating to
all drivers covered by the policy is accurate. If we discover that
you or someone acting for you knowingly gave false information,
we will cancel the policy, treat it as though it had never existed
and we will not pay your claim

and:

Modifications to your car
You must tell us what modifications you intend to make and
obtain our agreement prior to making them. Modifications are
changes to your car’s standard specification, including optional
extras. These include, but are not restricted to, changes to the
appearance and/or the performance of your car (including
wheels, suspension, bodywork and engine).
If you do not tell us about any relevant modifications, we may:
• reject or reduce your claim;
• treat the policy as void (i.e. as though it has never existed)


Direct line is word for word identical.

[e8_pqck]

Your duty
We will only provide the cover set out in this policy if you keep
to all the terms and conditions of the policy.
All information given to us must be, as far as you know, correct.
It is your responsibility to make sure that information relating to
all drivers covered by the policy is accurate. If we discover that
you or someone acting for you knowingly gave false information,
we will cancel the policy, treat it as though it had never existed
and we will not pay your claim

nothing is that black and white Ross.

[Sophie123]

Im pretty shocked to see that nobody has said that if you cant afford an increase in insurance for declaired mods, then you shouldnt get the mods in the first place?

I am a fellow all modifications declaired, which i am glad of as i had a bump a couple of weeks ago and i have absolutely ZERO stress over weather or not my insurance is valid.

Its a pain in the ass calling up every time you do something to your car, but it would be more of a pain to be running around like a glue sniffer trying to put what i can back to standard on my car incase insurance want to inspect it.

If you cant pay higher insurance, dont modify, Simple really.

[Prickle]

If you cant pay higher insurance, dont modify, Simple really.

:zainy:

[Sophie123]

nothing is that black and white Ross.

But your argument is flawed...you KNOW you have modified your car and you CHOSE to not declair them.

[Ross]

nothing is that black and white Ross.

except the contract you agree to it seems!

[Ross]

Im pretty shocked to see that nobody has said that if you cant afford an increase in insurance for declaired mods, then you shouldnt get the mods in the first place?

http://www.saxperience.com/forum/showpost.php?p=5646480&postcount=111

;)

[Sophie123]

http://www.saxperience.com/forum/showpost.php?p=5646480&postcount=111

;)

My bad!

To be fair that was at the bottom of a beast of a post though! :homme:

[Ross]

My bad!

To be fair that was at the bottom of a beast of a post though! :homme:

lol. ney bother :D

e8 - Rudy's First Rule of Holes. When you're in one, stop digging mate.

[AndyMan]

I've got some Peugot 206 Speedlines on mine in white, do i have to declare them as they are not aftermarket wheels they were standard on that model of peugot lol ?

[Ross]

I've got some Peugot 206 Speedlines on mine in white, do i have to declare them as they are not aftermarket wheels they were standard on that model of peugot lol ?

Did the 206 wheels come as standard on your 106 from the factory? Yes = fine. No = declare.

[Prickle]

I've got some Peugot 206 Speedlines on mine in white, do i have to declare them as they are not aftermarket wheels they were standard on that model of peugot lol ?

better declare mate or you will have e8 pming you a pdf file on insurance decl etc.

[e8_pqck]

But your argument is flawed...you KNOW you have modified your car and you CHOSE to not declair them.

I don't have a road car Sophie, only a track car.

This is not about my insurance.

[Tom5190]

you spouted on about what you say over the phone cannot be upheld in a court of law

IT CAN - THE CALLS ARE RECORDED and supported by the FSA

GET YOUR FACTS RIGHT

I proved Barry is a liar - also spouting on about how he declares EVERYTHING except his alloys and his seats which is OK because he FORGOT once - WHAT A HYPOCRITE

So when he said I declare everything - what he actually meant was...

the brake pads are a great example - you could argue that different pads are a modification and a major part of the car - probably the most important, but how many people declare their non OEM fast road pads!!!!! But they ring up about a sticker!!

Then another guy declares his alloy wheels and puts bold tyres on!!!!

What a joke.

Bald* ........ Bellend

[Sophie123]

I don't have a road car Sophie, only a track car.

This is not about my insurance.

Didn't specifically mean your car, just in response to the points you highlighted.

[Ross]

I don't have a road car Sophie, only a track car.

This is not about my insurance.

Hmm. So presumably you declared your water injection on your previous car then? I've asked twice already - where do YOU draw the line as to what you think should be declared and what do you think give you the right to make that decision?

[Prickle]

i wonder, have people on here, declared the braided brake lines? polybushs? smoked oem headlights, tinted rears, hids etc.

little things like that. :detective:

[Ross]

i wonder, have people on here, declared the braided brake lines? polybushs? smoked oem headlights, tinted rears, hids etc.

little things like that. :detective:

I declared a lot of mods, so they sent a modified vehicle report form (standard procedure for a heavily modified car). Obviously that's a ball ache, so I fill it in along the lines of "see attached" - and send them my spec sheet. Then phone em and confirm they're happy with it all.

When anything changes (IE, different turbo, seats whatever) a 5 minute phone call sorts out the change. I must have changed things maybe 5 times since July when my policy was renewed - never a charge or complaint from Adrian Flux :)

[KelVTS90]

LOL at how much this thread has escalated!

[Prickle]

LOL at how much this thread has escalated!

i know! level 9.

[e8_pqck]

Hmm. So presumably you declared your water injection on your previous car then? I've asked twice already - where do YOU draw the line as to what you think should be declared and what do you think give you the right to make that decision?

we were debating whether an insurance company would uphold a third party claim based on undeclared mods such as alloy wheels and i say yes if the wheels are roadworthy and within spec. bad driving or bald tyres. cause crashes, not alloy wheels. :homme:

I also pointed out that what is said on the phone is also adequate means as the conversations are recorded. :detective:

We have also uncovered some hypocrisy :y:

finally, i am also arguing against is this unsubstantiated belief that you are uninsured if you don't declare everything? i have repeatedly pointed out, brake pads come under this remit which is overlooked by just about everyone. So by that very token most of us on here are probably uninsured which is simply not true. :wall:

Go right ahead and tell them about your stickers! I am more concerned with the state of my tyres and the road worthiness of my car.

How many people declare euro wheels with stretch tyres? surely things like this are more illegal, i doubt anyone could actually get these insured legally!

WI? i put that on my GT-Four back in 2008/9, it was then off the road for over two years before i sold it (without WI). Not that it's any concern of yours.

[e8_pqck]

i wonder, have people on here, declared the braided brake lines? polybushs? smoked oem headlights, tinted rears, hids etc.

little things like that. :detective:

exactly John. :drink:

Que DevilsAdvocate with a rant about them not being insured..

Que me saying that they are

round we go.:homme:

[Ross]

It was my concern the moment you thought it appropriate to dig up others history on the subject. Can't have your cake and eat it you know...

The facts are simple as everyone in this thread except you seems to have grasped - if you dont declare a modification (and we've covered what a modification seems to mean - that's down to each individual insurer) then you run the risk if voiding your policy. There is nothing further to add.

If something changes the vehicle that affects the risk prwsented to the underwriter and you intentionally allow the underwriter to believe the vehicle is "standard" (by their definition) then the foundation on which the terms of insurance were based are inaccurate and therefore the contract could be nullified.

Has the vehicle been modified from the manufacturers original specification? You answer no (for example). Insurer insures you with "w" excess and "x" premium. If you say yes to the question, it's reasonable to assume the risk changes so you'll be offered "y" excess and "z" premium.

If it's intentional, your misrepresenting the facts which is actually fraud if you attempt to progress a claim based on the lie.

For the sake of a phone call why risk no insurance? Your argument makes no sense whatsoever.

[e8_pqck]

It was my concern the moment you thought it appropriate to dig up others history on the subject. Can't have your cake and eat it you know...

The facts are simple as everyone in this thread except you seems to have grasped - if you dont declare a modification (and we've covered what a modification seems to mean - that's down to each individual insurer) then you run the risk if voiding your policy. There is nothing further to add.

If something changes the vehicle that affects the risk prwsented to the underwriter and you intentionally allow the underwriter to believe the vehicle is "standard" (by their definition) then the foundation on which the terms of insurance were based are inaccurate and therefore the contract could be nullified.

Has the vehicle been modified from the manufacturers original specification? You answer no (for example). Insurer insures you with "w" excess and "x" premium. If you say yes to the question, it's reasonable to assume the risk changes so you'll be offered "y" excess and "z" premium.

If it's intentional, your misrepresenting the facts which is actually fraud if you attempt to progress a claim based on the lie.

For the sake of a phone call why risk no insurance? Your argument makes no sense whatsoever.

well done, you have just simplified the whole insurance business.

Start a law firm and take on some insurance clients, you will make a ton of money. :homme:

as for WI - no problem, if i was condemning people for not declaring it, then you found that i wasn't either (even though i said i was) - yes, fairplay. i hope you can see why i did that and no, it doesn't make him a bad guy - a simple case of pot and kettle and the colour black.

[e8_pqck]

Everyone - please, research on the net, look up third party claims and whether or not you are insured if you haven't claimed your mods, i think you will find that you are. There is a legal requirement for them to do so.

I am not saying what you should or should not declare, that is down to the individual - i am only disputing that you are still insured for third party claims even if you haven't declared - you are not driving around uninsured as some people seem to think.

Also, i am defending this stand on the basis that anything undeclared voids insurance - that is simply not the case. However, if you are stupid enough to be driving around with an undeclared turbo, then be prepared - no doubt this will put you in a world of poo and yes, you may get a bill from the insurer if they sue you - but they wont sue you for your alloy wheels, that is just silly and when i read someone saying words to that effect - that is where i jumped in.

i trust my standpoint is now clear.

Now do your own research to decide whether this is true or not.

[devilsadvocate]

I can't be bothered with this thread anymore, I hope people will take advice from the people providing facts as opposed to those giving their own opinions.

If in doubt, don't post on a forum full of young people who buy high risk cars, can barely afford to insure them and then complain when they have to pay to declare mods (see the irony in that), phone your insurance company and ask them....

[Manu]

Yup, saxP is full of intellectuals and 95% of threads turn to shit. Let the uninsured learn the hard way, some won't change until they're hit in the wallet.

[Ross]

Can't really add to the above two posts really.

The only truth e8 speaks is to do your own research.

If you want to take the risk of driving on undeclared mods, do it. If you don't, phone em for all the hassle of a five minute phone call.

Please though if you do drive undeclared please stay the fuck away from me - I don't need the hassle of a claim against an uninsured driver...

[Harv]

My insurance is tons cheaper with all mods declared than a standard car with flux! I just listed every single thing I could think of and documented it all on a modifications sheet they sent out (like Ross has said). I'm with Flux btw!

Just changed my policy over onto the CTR and again listed the mods. Not a complaint from them compared to other insurance companies I've been with. Plus they actually know what certain mods - Bell said 'what is roll cage?'!!

[devilsadvocate]

Just changed my policy over onto the CTR and again listed the mods. Not a complaint from them compared to other insurance companies I've been with. Plus they actually know what certain mods - Bell said 'what is roll cage?'!!

Even if they know, chances are that they would have charged you more for a mod which means you have a better chance of surviving in a crash (assuming it's a full cage and not a show one)......irony there

[Proffitt]

I have just renewed my BMW with Admiral.

I pay £700 fc Mods decleared - Lowering and Exterior Decoritive Changes.

I think without mods it was £650 ish. So £50 to stay legal is worth it imo.

If I hadn't of paid the extra £50 to declare my mods then yes I would be £50 better off for xmas and for my tax. But if I write off my car it would cost me my car - £4500.

Bit of a no brainer really.

[skyinsurance]

So.. only 50 out of 145 members who voted have insurance actually worth the paper is is written on.

[Ross]

So.. only 50 out of 145 members who voted have insurance actually worth the paper is is written on.

Surely not an insurance representative agreeing with us all along?

Thanks for the input skyinsurance - appreciated :)

I wonder how e8's gonna react :(

[skyinsurance]

To be honest I haven't read the whole thread but you are blind if you cannot see that undeclared mods = potentially void insurance.

If you cannot afford to insure your modified car, you shouldn't be on the road.

I feel sorry for the mature minded/above board/sensible members who do insure their cars correctly and have to put up with seeing all these people willy waving about their null and void insurance cover.

Thread should be locked/removed. It's a terrible advert for Saxperience and makes a mockery of the genuine, above board members.

Ollie
Sky Insurance

[Ross]

To be honest I haven't read the whole thread but you are blind if you cannot see that undeclared mods = potentially void insurance.

If you cannot afford to insure your modified car, you shouldn't be on the road.

I feel sorry for the mature minded/above board/sensible members who do insure their cars correctly and have to put up with seeing all these people willy waving about their null and void insurance cover.

Thread should be locked/removed. It's a terrible advert for Saxperience and makes a mockery of the genuine, above board members.

Ollie
Sky Insurance

Unfortunately Ollie, E8 will be on shortly to "prove" you're wrong...

The whole discussion has been around the concept of trying to save money by not declaring a modification. Some people believe they wont "get caught" (IE the mod is to insignificant) or they wont crash etc and therefore it wont matter (and if they DO crash they'll just change the car back to standard before the assessor arrives, presuming they're not in hospital next to the person they turned into a paraplegic).

As you say (and some of us have been saying all along) - no declaration effectively= no insurance. :( Some people just haven't grasped that.

[e8_pqck]

cant be bothered.

[skyinsurance]

The main thrust was if you are insured for 3rd party losses if you haven't declared your alloy wheels (if they are correct size with right tyres on) or your non OEM brake pads. Regardless of whether you should or not, it doesn't void your policy or mean you are driving around uninsured.

Also, whether what is said on the phone to an agent counts i.e. "i told him on the phone" as a "get out clause". I think you will find phone calls are recorded and kept for 12 months and can be used as evidence of declared cover.

Again I haven't read the whole thread but with undeclared mods on paper you are insured, the same as the idiots who insure 2.0turbo Corsas which are 1.0L's on the logbooks. On paper - fine, in reality if you have a claim your insurer may pay out but then are well within their rites to claim every penny back from you. They can, will and do, do this.

What is said on the phone is beside the point. It is down to you to make sure you car is insured correctly, if your documents come through without the mods noted, then you do not have cover.

Edit, not to mention the fact the the Police are becoming more and more aware of this type of fraud.

[Ross]

The main thrust was if you are insured for 3rd party losses if you haven't declared your alloy wheels (if they are correct size with right tyres on) or your non OEM brake pads. Regardless of whether you should or not, it doesn't void your policy or mean you are driving around uninsured.

Also, whether what is said on the phone to an agent counts i.e. "i told him on the phone" as a "get out clause". I think you will find phone calls are recorded and kept for 12 months and can be used as evidence of declared cover.

I'll leave skyinsurance to answer the first part of your last post, but regarding the second part, you really think the recording of your phone call where you claim to have told the insurance company you declared your mods would be kept if it later transpired that that declaration wasn't transferred onto your policy document? I think that's extremely naive... It would be in the insurers interest to NOT have that recording. If thats what you're relying on, I think you'd be between a rock and a hard place.

(Oh, and it's a 6 month retention, not 12 months - FYI)

[skyinsurance]

you really think the recording of your phone call where you claim to have told the insurance company you declared your mods would be kept if it later transpired that that declaration wasn't transferred onto your policy document? I think that's extremely naive... It would be in the insurers interest to NOT have that recording.


Absolutely right.

What gets me is the fact that your average Saxo driver probably looks on a price comparison site for insurance, maybe has a play around and adds a set of alloy wheels, see the price sky rocket, sh*ts the bed and then insures the modified car as a standard car. Why am I saying this you are probably thinking?

There are many, many insurance specialists out who cater for and specialise in modifed car insurance, most of these specialists will not charge any extra for cosmetic modifications (eg wheels, splitters etc). These specialist insurers ARE NOT ON PRICE COMPARISON SITES.

Ollie
Sky Insurance

[Prickle]

do you have to declare stickers? :wacko:

splitters a new one.

[e8_pqck]

Absolutely right.

What gets me is the fact that your average Saxo driver probably looks on a price comparison site for insurance, maybe has a play around and adds a set of alloy wheels, see the price sky rocket, sh*ts the bed and then insures the modified car as a standard car. Why am I saying this you are probably thinking?

There are many, many insurance specialists out who cater for and specialise in modifed car insurance, most of these specialists will not charge any extra for cosmetic modifications (eg wheels, splitters etc). These specialist insurers ARE NOT ON PRICE COMPARISON SITES.

Ollie
Sky Insurance

ollie - recorded phone calls.

are they recorded and used as evidence?

[e8_pqck]

Things like 'The man on the phone told me I didn't need to declare them' or 'They got the information wrong, why should I tell them' WILL NOT hold up in court.

If the insurer makes a mistake on the policy, legally it's YOUR mistake for not checking everything thoroughly because YOU accepted the terms and conditions (which you probably didn't read)

here it is, this was my dispute.

Ollie, if you said to someone they diddnt need to declare there wheels, then the insurance tried to not pay out becasue of it, can they use the tapes as evidence and will it be shown that the agent was at fault?

[skyinsurance]

do you have to declare stickers? :wacko:

splitters a new one.

John,

I don't mean to be rude, but it really isn't rocket science. Your post is tongue in cheek obviously but the strictly speaking answer is declare EVERY change to the vehicle from when it left the factory. Do not pick and choose what you declare, just declare everything.

Of course a splitter should be declared if the car left the factory without one, why wouldn't it need to be declared?

Stickers - again just declare everything but from an insurers perspective, a car covered in say for example Rally/Motorsport stickers will be more of a risk to insurers than a standard car with no stickers.

Ollie
Sky Insurance

[skyinsurance]

here it is, this was my dispute.

Ollie, if you said to someone they diddnt need to declare there wheels, then the insurance tried to not pay out becasue of it, can they use the tapes as evidence and will it be shown that the agent was at fault?

Sorry I'm struggling to entertain you here. There is no dispute to have.

Just declare your modifications and do not advise people otherwise on public forums, it is as simple as that.

[e8_pqck]

Sorry I'm struggling to entertain you here. There is no dispute to have.

Just declare your modifications and do not advise people otherwise on public forums, it is as simple as that.

thats not what im advising - please do not put words in my mouth.

insurers are just as accountable for what they advise needs to be insured as much as the insurer needs to declare it. The law is there for both sides.

[Prickle]

John,

I don't mean to be rude, but it really isn't rocket science. Your post is tongue in cheek obviously but the strictly speaking answer is declare EVERY change to the vehicle from when it left the factory. Do not pick and choose what you declare, just declare everything.

Of course a splitter should be declared if the car left the factory without one, why wouldn't it need to be declared?

Stickers - again just declare everything but from an insurers perspective, a car covered in say for example Rally/Motorsport stickers will be more of a risk to insurers than a standard car with no stickers.

Ollie
Sky Insurance

fair enough. :A:

[devilsadvocate]

Oh shit our computer system had a glitch and we lost that recording, turns out your insurance is actually void because you can't prove that conversation happened and we have no record of those mods.

If I was being taken to court to recoup the costs for a 3rd party claim, I would pray to god that my defence was better than 'They have the phone call recorded'

People are so fucking naive its funny!

Like I said before, it's your responsibility to check your policy.

You ring up and declare the mods
Your policy comes through without them on
Do you think it's ok to plead innocence because you told them over the phone.......get a grip!!

[skyinsurance]

thats not what im advising - please do not put words in my mouth.



no?

Depends on your policy of what people are willing to claim for - for instance, if your paying £300 insurance on £500 car you aint never going to claim for theft, so why declare all the mods that affect theft claims? third party claims arent affected anyway, its only when claiming for yourself i nsome instances.


bollocks will they over painted interior panels.

i claimed on a burnt out car - they didnt care about anything i did to it.

aye, becasue its cheaper than going to court anyway.

if you want to pay more for something you wouldnt claim for anyway - declare them. but for me i'd rather use common sense.

engine mods - prob best to declare them for the most part. but cosmetics, maybe not and they will be nicked anyway for theft claims so whats the point.

That's just from page 2, shall I carry on?

[e8_pqck]

Oh shit our computer system had a glitch and we lost that recording, turns out your insurance is actually void because you can't prove that conversation happened and we have no record of those mods.

If I was being taken to court to recoup the costs for a 3rd party claim, I would pray to god that my defence was better than 'They have the phone call recorded'

People are so fucking naive its funny!

Like I said before, it's your responsibility to check your policy.

You ring up and declare the mods
Your policy comes through without them on
Do you think it's ok to plead innocence because you told them over the phone.......get a grip!!

i misqouted myself -

its on the ADVISE of the agent who said i didnt need to declare them. they do this to get the business so the premium stays low - this is also common trick and why recordings are held for 12 months.

as i said, the law is there for both sides. there is nothing wrong with believeing what the agent said was true - they can get into a lot of trouble for that.

excuse my previous run down. that is the issue.

[Prickle]

skyinsurance dishing out the pwnage.

[e8_pqck]

no?








That's just from page 2, shall I carry on?

none of which shows i advised anyone.

the highlighted part is also a question mark - so said as a question.

and no, i probably wont ring up for a colour coded interior. not that i'd ever do that anyway - the worst "mod" ever to be invented.:homme:

and yes, see how i said declare engine.

[Bound]

I wouldn't declare painted interior panels or stickers. That's pathetic. The colour of my interior panels is meaningless.

Alloy wheels and induction kits? Yes, I'd declare those.

[e8_pqck]

ollie - are you saying that you can advise someone on the phone that they dont need to declare something then blame the insured for not disupting it?

i find that very hard to believe.

[skyinsurance]

I wouldn't declare painted interior panels or stickers. That's pathetic. The colour of my interior panels is meaningless.


The change of colour of your interior panels potentially makes your car more of a risk to insurers, same as the stickers. Why would you not declare them, no decent specialist insurer would charge anything extra for them so what is the point in not declaring them? Opinions like yours baffle me.

[skyinsurance]

ollie - are you saying that you can advise someone on the phone that they dont need to declare something then blame the insured for not disupting it?

i find that very hard to believe.

What are you banging on about fella? :wacko:

[skyinsurance]

none of which shows i advised anyone.

the highlighted part is also a question mark - so said as a question.

and no, i probably wont ring up for a colour coded interior. not that i'd ever do that anyway - the worst "mod" ever to be invented.:homme:

and yes, see how i said declare engine.

You type with confidence, almost as if you know what you are talking about. The trouble is , you dont and naive members or casual browsers see what you are typing, follow what you are saying and they themselves drive with undeclared modifications. That is my issue, that is everyone else's issue, not sure why you are struggling with this.

[Ross]

Calls are retained for 6 months (as I said earlier) by law. Longer is down to the individual company.

[e8_pqck]

Things like 'The man on the phone told me I didn't need to declare them' will NOT hold up in court


ollie - are you saying this is TRUE!!!!!!!!!!!!!

what "the man on the phone" says is legally binding! agents cant just say anything to get a customer!!! the law is there for both sides.

[e8_pqck]

You type with confidence, almost as if you know what you are talking about. The trouble is , you dont and naive members or casual browsers see what you are typing, follow what you are saying and they themselves drive with undeclared modifications. That is my issue, that is everyone else's issue, not sure why you are struggling with this.

ok fair enough - but this is a free world where we can discuss openly and debate - its not about morality. so on a side issue - folks declare everything.

now, back to the debate, regardless wether they do or not.

[skyinsurance]

I'm out, I've made my point.

I'm not getting drawn into a completely separate discussion to try and deflect from the main point of interest.

[e8_pqck]

seagull insurance

bursts in, flaps his wings, craps on everyone then leaves.

thanks for your input.

[skyinsurance]

Sky Insurance

logs onto a forum, see's a load of people fraudulently insuring their cars and and an individual rubbing genuine people's noses in it, pulls said person up on it and then leaves thread.

thanks for your input.

Happy to be of assistance, I don't suffer fools gladly. :y:

[e8_pqck]

Happy to be of assistance, I don't suffer fools gladly. :y:

lol, nah, thanks for coming. :drink:

[e8_pqck]

Quote:
Originally Posted by e8_pqck View Post
Sky Insurance

logs onto a forum, see's a load of people fraudulently insuring their cars and and an individual rubbing genuine people's noses in it, pulls said person up on it and then leaves thread.

thanks for your input.
Happy to be of assistance, I don't suffer fools gladly.

Guys - BEWARE SKY INSURANCE LOL :clapping:

[Giraffe]

Nice to see someone representing Sky Insurance has acted quite professionally... Correct or not, doesn't seem to be very professional :|

[baker556]

Just to carry on with this....What happens if you buy a car and you do not know of the modifications it has?

It depends which insurance company you are with as i would expect internet companies or standard 'screen rate' insurers would void the insurance but specialists such as ourselves have insurers who in the past have charged the difference as to what it would have been with the mods before paying a claim.

I'm not saying this would be the case everytime because there are people who purposely don't declare mods who will have their insurance voided.

The difference is that you may get someone who has bought a new car not realising it has say a different air filter in and in this case i would expect the insurers to be gracious.

However, if they find the car is modded to the hilt then it's obvious there has been unscrupulous behaviour and there will be no grace!
__________________

Source http://www.seatcupra.net/forums/showthread.php?t=303436&page=2

ChrisKnotts ~insurance said this/

[baker556]

Also the amount of people on the road without factory mats are not insured, i don't generally understand where it stops?!

Aftermarket brake pads
Different tyres

Surely these two which stop and keep your car on the road would be the most important to an insurer, it could stop a crash from happening altogether.

Lets be honest here, 80% have illegal mods decats and HIDs, there insured. Insured until found out.

Srs declaring one or two stickers, if you had a crash they would just be peeled off if it came down to it.

Do legal pressed plates need to be declared?
LED bulbs in sidelights and number plate lights?

[pugway92]

dont declare, do what i did.
officer "can we have a look at your engine please sir?"
me "sure thing"
(rips the bonnet release cable off)
me "im sorry it wont open look".

[devilsadvocate]

dont declare, do what i did.
officer "can we have a look at your engine please sir?"
me "sure thing"
(rips the bonnet release cable off)
me "im sorry it wont open look".

Genius.....the average IQ of a member of saxp is about 6

[Proffitt]

dont declare, do what i did.
officer "can we have a look at your engine please sir?"
me "sure thing"
(rips the bonnet release cable off)
me "im sorry it wont open look".

What a bellend, people like you put saxperience to shame.

[Prickle]

dont declare, do what i did.
officer "can we have a look at your engine please sir?"
me "sure thing"
(rips the bonnet release cable off)
me "im sorry it wont open look".

:cool:

[marinemackay2003]

Lot of idiots on here

Technically driving with void insurance

Can’t afford it, don’t do it

[blackie_2k5]

What a bellend, people like you put saxperience to shame.

ppl like him joined long ago and only have a few posts or so because its another active member on here.... who is too scared to voice a real opinion, and uses that account because he feels so strongly

but is just too scared to let the sax-police know