Do you have to declare car mods for 3rd party insurance?
Discussion
In this thread about DPF removal the bit quoted by the OP suggests that failing to disclose modifications will result in your car automatically not being covered under insurance, though 3rd party damage has to be.
Surely that can't be right, can it?
The implication there is that you could buy yourself a 1 litre Micra, insure it 3rd party, drop a 500bhp supercharged V8 into it, unsurprisingly stuff it into a shop front when the standard brakes and suspension fail to cope with your new 200mph top speed, and because you only insured it third party, just walk away leaving the insurer to pick up the bill?
Surely that can't be right, can it?
The implication there is that you could buy yourself a 1 litre Micra, insure it 3rd party, drop a 500bhp supercharged V8 into it, unsurprisingly stuff it into a shop front when the standard brakes and suspension fail to cope with your new 200mph top speed, and because you only insured it third party, just walk away leaving the insurer to pick up the bill?
dibblecorse said:
The insurer can NEVER get out of its responsibility to pay a Third Party if they have insured an Insurance Certificate even if they have insured a vehicle that was presented to them fraudulently, ie undeclared mods, re-badged etc etc.
What they can and will do however (and have done numerous times in the past) is where they can show those modifications contributed to the claim they can sue the policy holder for their losses, this has in the past cost a few people a lot of money.
Ah, good. I assumed I was missing something obvious, and that's the "something obvious"! What they can and will do however (and have done numerous times in the past) is where they can show those modifications contributed to the claim they can sue the policy holder for their losses, this has in the past cost a few people a lot of money.
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