VOIDED INSURANCE
Discussion
Don't start worrying about the insurance being voided yet. You still need to bang on at them about the tip not being a performance modification. Hopefully, they will see sense.
Also, think about just telling them the claim is being forwarded them for notification purposes only. Then deal directly with the bus companies insurer. If it's clear it's not your fault, a claims management company will take your case on and seek recovery of the claim for damages, PI etc etc. Even if you were totally uninsured, this will not affect your claim against the third party if you were not at fault.
Also, think about just telling them the claim is being forwarded them for notification purposes only. Then deal directly with the bus companies insurer. If it's clear it's not your fault, a claims management company will take your case on and seek recovery of the claim for damages, PI etc etc. Even if you were totally uninsured, this will not affect your claim against the third party if you were not at fault.
charltjr said:
So you're possibly going to get your insurance voided for not declaring a mod, and if it does get voided you want to know if you can get away with not declaring the fact that you've had insurance previously voided? There's a common thread there - not declaring stuff ends badly if you need to use your insurance.
<nods>charltjr said:
It seems pretty implausible that they're talking about cancelling insurance for an exhaust tip. Are you definitely just talking about a tip OP, small piece of trim that goes on the very end of the exhaust pipe, maybe a few inches long maximum? Not talking about a back box or anything like that?
ChemicalChaos said:
OP, have you got pictures of this exhaust tip?
Thirded. What, exactly, are we talking about here? Photos.Is it a bolt-on tip, the kind Halfords sell or is it a replacement backbox.
A bolt on tip could be argued as cosmetic, but a replacement free flowing backbox with a 4" slash cut tailpipe would probably be classed as 'performance enhancing', and would definitely fall into the category of "I should tell my insurance company about this".
A bolt on tip could be argued as cosmetic, but a replacement free flowing backbox with a 4" slash cut tailpipe would probably be classed as 'performance enhancing', and would definitely fall into the category of "I should tell my insurance company about this".
Swoxy said:
Claim from the bus driver's insurer.
This. get your car back off your insurance, tell them youre going to claim from the third party and get a claim form from the bus company's insurerliam18james said:
Hi Folks. Looking for general advice here. A bus hit my car by pulling out of junction and claimed they never saw me.
How does that work? Who ran into what?
rainmakerraw said:
Their email refers to 'the exhaust', not the 'bolt on exhaust tip blingy thing'. You also seem to have not answered questions about this earlier. So is it in fact an exhaust, rather than a tip?
we're going to get into real trouble if an insurer is trying to void insurance because youve gone to say Halfords or Kwikfit and fitted an exhaust with a chrome tip rather than an exhaust from the frachise dealer.That's before having the car dyno tested to see if the aftermarket exhaust gives an extra 1.0 bhp in performance ( or less)
This could go along the lines of insurers trying to claim that a roof rack was a modification. The Ombudsman saw that one off.
Not withstanding this is allegedly for a third party claim for goodness sake
Edited by saaby93 on Tuesday 28th March 10:36
liam18james said:
100% it's a bolt on exhaust. My car is away right now or I would supply pictures
Is it a decorative tip or a functional component - e.g. a backbox, straight pipe or some other variation? For what it's worth "performance enhancing" doesn't have to mean more BHP, "performance" could in the context of modifications could just as easily mean sound, or aesthetics.I don't know if you mean to but you seem determined to dance around actually telling people what it actually is.
Your insurance company is calling it an exhaust, which is not what I have ever seen "decorative exhaust tips" described as. The fact the engineer spotted this "aesthetic mod" at all on one of a hundred cars he probably saw that week is noteworthy, I think.
Setting aside whether all this should be necessary for a third party claim
although it's good if he can provide the receipt, it wont be unusual to have thrown it away ( how was he to know he would need it for this purpose) in which case surely it's for the insurer to prove it wasn't fitted when he says it was, if such a thing can possibly void an insurance.
although it's good if he can provide the receipt, it wont be unusual to have thrown it away ( how was he to know he would need it for this purpose) in which case surely it's for the insurer to prove it wasn't fitted when he says it was, if such a thing can possibly void an insurance.
How pathetic. It looks like they are looking for a way to wriggly out of the claim. They seem like the sort that would use any excuse. Time to speak to escalate and get into there claims dept.
Ps. I'm sure eBay sell rape alarms. Wear a belt each day as they are trying to pull your pants down.
Ps. I'm sure eBay sell rape alarms. Wear a belt each day as they are trying to pull your pants down.
DSGbangs said:
liam18james said:
100% it's a bolt on exhaust. My car is away right now or I would supply pictures
So it's an exhaust not an exhaust tip?Ohhh, I'm guessing your name is Liam James Flinn?
Your the one who gran prixed your car into the side of my bus, good.
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