Insurance & Mods
Discussion
A friend says that if you have an accident and your insurance w-off / repair your car they will only pay for the car insured and not for any mods that have been put on the car.
From what I know they can void your policy and won’t pay anything.
Now what if you bought a car and didn’t know of these mods e.g. Air filters, different wheels/spoiler to the factory model.
Does anyone have any experience of this coming up when making a claim?
From what I know they can void your policy and won’t pay anything.
Now what if you bought a car and didn’t know of these mods e.g. Air filters, different wheels/spoiler to the factory model.
Does anyone have any experience of this coming up when making a claim?
You could be right I suppose, but what if your car got stolen/recovered the insurance could argue that your car only got stolen because of the expensive after market wheels and was picked out over the other standard cars in the area. You had not declaired the wheels to get a cheaper policy but your car was at higher risk of getting stolen because of the wheels.
Has anyone real life experiance of this sort of thing?
Has anyone real life experiance of this sort of thing?
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