Insurance & Mods
Discussion
I have no idea what strict liability means in relation to non disclosure.
But overall, this isn't complicated.
You can't be expected to disclose something you would not reasonably know.
Even if you did know, beyond the legal bits, the ICOBS and FOS would make innocent disclosure something the insurer could not refuse to pay. So not understanding the question, or not remembering something from a long time ago.
But overall, this isn't complicated.
You can't be expected to disclose something you would not reasonably know.
Even if you did know, beyond the legal bits, the ICOBS and FOS would make innocent disclosure something the insurer could not refuse to pay. So not understanding the question, or not remembering something from a long time ago.
Noger said:
Even if you did know, beyond the legal bits, the ICOBS and FOS would make innocent disclosure something the insurer could not refuse to pay.
How many non-PHers would take it that far - or roll over.EAT
It's difficult setting the boundaries - as soon as you have them someone will start testing them. Does that batmobile wing count as performance enhancing?
Edited by saaby93 on Thursday 7th April 21:57
catso said:
I have a motorbike which is fairly extensively modified, when I told the insurance company it made no difference to the price (although some insurers didn't want to know) but they tell me that they will only replace with OEM parts in the event of any loss.
I got this from several insurers, the non performance enhancing mods don't add anything to the price, they just won't replace them in the event of loss. Performance enhancing do get a minor extra charge but using specialist brokers it isn't excessive.
saaby93 said:
and there wasthe case of an insurer trying to avoid payout due to an undeclared roofrack but the ombudsman saw that one off
More Than arent bothered about any mods so long as theyre not performance enhancing
More Than arent bothered about any mods so long as theyre not performance enhancing
saaby93 said:
t's the mods you dont know about that will get you. Did you know those alloys werent fitted to that model at manufacture?
They're £1300 extra, your car is more nickable- it's been stolen we're not paying
They're £1300 extra, your car is more nickable- it's been stolen we're not paying
saaby93 said:
know that and you know that
but where's the line?
What really does count as mods? and what doesn't?
but where's the line?
What really does count as mods? and what doesn't?
saaby93 said:
hat was the point 
How do you declare all the things you didn't know about?
How do you declare all the things you didn't know about?
saaby93 said:
ow many non-PHers would take it that far - or roll over.
EAT
It's difficult setting the boundaries - as soon as you have them someone will start testing them. Does that batmobile wing count as performance enhancing?
You really are a complete muppet. No matter how many times people answer / disprove your paranoid, conspiracy, lunatic theories, you still insist on peddling this claptrap.EAT
It's difficult setting the boundaries - as soon as you have them someone will start testing them. Does that batmobile wing count as performance enhancing?
Do you get some sort of perverse pleasure out of posting b
ks?R1 Loon said:
You really are a complete muppet. No matter how many times people answer / disprove your paranoid, conspiracy, lunatic theories, you still insist on peddling this claptrap.
Do you get some sort of perverse pleasure out of posting bks?
I'm only posting what other people have experienced and checked the ombudsman's website. Do you get some sort of perverse pleasure out of posting b
ks?saaby93 said:
'm only posting what other people have experienced and checked the ombudsman's website.
Really?You're peddling myths. I'm still waiting for the I put metal dustcaps on, or soem Halfords wiper blades, or Michelins when my OE fit is Bridgestone, or some super unleaded when all it needs is normal unleaded etc.
Noger has answered the issue more than effectively around disclosure being material facts that you or a reasonable person would be aware of.
Iv had a non fault collision in a modified car (old dear pulled out of a side road into my car, car had coilovers, remap, exhaust, filter an a few other bits and bobs).
Insurance had no issues with the undeclared mods but would only pay out for the market value of the car - even told them about the mods when trying to negotiate a higher payout.
Insurance had no issues with the undeclared mods but would only pay out for the market value of the car - even told them about the mods when trying to negotiate a higher payout.
sl0wlane said:
Iv had a non fault collision in a modified car (old dear pulled out of a side road into my car, car had coilovers, remap, exhaust, filter an a few other bits and bobs).
Insurance had no issues with the undeclared mods but would only pay out for the market value of the car - even told them about the mods when trying to negotiate a higher payout.
That's different, that's a third party claim.Insurance had no issues with the undeclared mods but would only pay out for the market value of the car - even told them about the mods when trying to negotiate a higher payout.
Provided you don't go through your own insurer you're entitled to be in the same position you were before the accident
saaby93 said:
hat's different, that's a third party claim.
Provided you don't go through your own insurer you're entitled to be in the same position you were before the accident
Why are you "not entitled to be in the position you were before the accident" if you use your insurer?Provided you don't go through your own insurer you're entitled to be in the same position you were before the accident
Do you understand the concept of indemnity?
BTW, there can be no differential in the trestment of a customer making a valid claim irrespective of fault.
R1 Loon said:
Why are you "not entitled to be in the position you were before the accident" if you use your insurer?
Your own insurer may check what you said the value of your car was, see if it has any mods you haven't told them about before bargaining how much you'll have to pay to have it back in the same condition assuming they don't write it off before claiming from the third party (assuming they dont decide it's easier to go 50:50).What were you asking again
R1 Loon said:
Do you understand the concept of indemnity?
BTW, there can be no differential in the trestment of a customer making a valid claim irrespective of fault.
BTW, there can be no differential in the trestment of a customer making a valid claim irrespective of fault.
saaby93 said:
t - look up your issue on the FOS website.In fact let me do it - all you ever wanted to know about how the FOS works out a car's value and the way insurers do too.http://www.financial-ombudsman.org.uk/publications...
50/50 is ridiculous you spout this s
te over & over.et me ask you one simple question. Is there any compulsion on me to stick with my insurer year on year? If the answer is "no" then how does your conspiracy theory about charging me more next yer stack up?
You really are full of crap.
ZOLLAR said:
This is a fairly recent one, fronting was an issue but non declared mods also formed part of the decision (sp?).
Ann Bissmire
I assume he got 4 years for reckless driving and killing his friend. I guess he'd of got 4 years even if they declared the mods as it was reckless driving anyway. Not like they would of gone "you drove like a prat you killed your mate...but as you declared all your chavvy mods, be off with you you little scamp..drive safe!"Ann Bissmire
Sounds like a right barry boy car.
Wasn't it his Mum's (Anne) car, her policy with him presumably as a named driver? The article even says that she was asked about mods and said no. The insurance company was Diamond too.
The sentence he got for CDBDD is incidental to the insurance matter (and the fact he was fronting anyway) surely.
The sentence he got for CDBDD is incidental to the insurance matter (and the fact he was fronting anyway) surely.
philipsmart123 said:
ive had an accident in my vw bora its on 18" audi alloys n slammed and has straight through exhaust also has tinted windows, i recently crashed in the back of another car only minor damage to bumper , side wing n headlight but now the insurance want to come and look at my car and im abit worried about the alloys n being lowered etc , will my insurance be viod and will they want to start the car up , just need some advice really on what to do, i forgot to say im only 3rd party fire n theft to so not worried if they pay out on my car but dont want the insure to be void n then i have pay for the car i hit
Why didn't you declare the mods? If the answer is that you couldn't afford the insurance then you shouldn't have bought the car or modified it yourselfGassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff