Theoretically declaring mods to insurer after need for claim
Discussion
This is all theoretical and I will not be doing this, I'm just curious.
Unfortunately in my post code modified specific insurers will not insure my car. It's too high risk of an area.
My current insurer will insure my car with mods, but it's like +£600 for a front splitter+rear diffuser if I install them. And even more for engine mods.
Here's the question;
Declaring those mods takes 2 seconds on the insurers website including payment. What's stopping me from only declaring+paying the premium just before I need to make a claim (if and when I crash/It's stolen)? Will they catch me out on that somehow?
Like I said, I wont be doing this as it is fraud. Just a thought I had.
Unfortunately in my post code modified specific insurers will not insure my car. It's too high risk of an area.
My current insurer will insure my car with mods, but it's like +£600 for a front splitter+rear diffuser if I install them. And even more for engine mods.
Here's the question;
Declaring those mods takes 2 seconds on the insurers website including payment. What's stopping me from only declaring+paying the premium just before I need to make a claim (if and when I crash/It's stolen)? Will they catch me out on that somehow?
Like I said, I wont be doing this as it is fraud. Just a thought I had.
zaedric said:
This is all theoretical and I will not be doing this, I'm just curious.
Unfortunately in my post code modified specific insurers will not insure my car. It's too high risk of an area.
My current insurer will insure my car with mods, but it's like +£600 for a front splitter+rear diffuser if I install them. And even more for engine mods.
Here's the question;
Declaring those mods takes 2 seconds on the insurers website including payment. What's stopping me from only declaring+paying the premium just before I need to make a claim (if and when I crash/It's stolen)? Will they catch me out on that somehow?
Like I said, I wont be doing this as it is fraud. Just a thought I had.
Quoted for theoreticality . Unfortunately in my post code modified specific insurers will not insure my car. It's too high risk of an area.
My current insurer will insure my car with mods, but it's like +£600 for a front splitter+rear diffuser if I install them. And even more for engine mods.
Here's the question;
Declaring those mods takes 2 seconds on the insurers website including payment. What's stopping me from only declaring+paying the premium just before I need to make a claim (if and when I crash/It's stolen)? Will they catch me out on that somehow?
Like I said, I wont be doing this as it is fraud. Just a thought I had.
Don't see how that would work. If you hit someone and its your fault they are going to claim off you at the time of the accident on a specific day. You can't have an accident at 3pm and declare your mods at 3.30.
If you stacked your car and nobody else was involved and the police don't attend, then I suppose you could declare the mods and 'have the accident' 24 hours later. But fraud is a serious offence.
If you stacked your car and nobody else was involved and the police don't attend, then I suppose you could declare the mods and 'have the accident' 24 hours later. But fraud is a serious offence.
Well they'll have a date of when you made the changes to your insurance so it'll be pretty clear what has happenned.
As anside, I saw somebody try this sort of thing a few weeks back with train tickets. The ticket inspector/revenue protection officer came round and asked to see tickets. They faffed around and the inspector immediately saw what they had done. Got issued with a fine.
As anside, I saw somebody try this sort of thing a few weeks back with train tickets. The ticket inspector/revenue protection officer came round and asked to see tickets. They faffed around and the inspector immediately saw what they had done. Got issued with a fine.
IANAL (or at all related to insurance) but if you have an accident you won't be able to update the insurance as it'll be after the event.
If it was an accident that's *not* your fault then you would likely be "forced" to only use the third parties insurance to fix yours as if you go through your insurance then you'd have to deal with not declaring the modifications.
If it was an accident that *was* your fault then expect nasty things to happen. Very best case they make you pay the extra. Worst case they pay for the other party, don't pay for your car and sue you for the amount they paid out.
Equally I'm sure if it was stolen I doubt they'd ignore that you updated the modifications 10 minutes before declaring it stolen!
If it was an accident that's *not* your fault then you would likely be "forced" to only use the third parties insurance to fix yours as if you go through your insurance then you'd have to deal with not declaring the modifications.
If it was an accident that *was* your fault then expect nasty things to happen. Very best case they make you pay the extra. Worst case they pay for the other party, don't pay for your car and sue you for the amount they paid out.
Equally I'm sure if it was stolen I doubt they'd ignore that you updated the modifications 10 minutes before declaring it stolen!
If the police attend the incident, they'll note down the date and time, so any subsequent attempt to amend your insurance policy won't apply to the claim.
Even if they don't, say you put your car into a ditch at 3pm, get home, modify your insurance at 3:30pm and then report to the insurers that the crash actually occurred at 4pm, it'll look very very suspicious to the insurer, they would likely investigate carefully when the crash actually happened.
All in all I'm afraid it's a cunning plan worthy of Baldrick.
Alternative ideas:
- try a few more different insurers, both general and specialist, see if you can get a better price with the mods declared
- try some different mods, how much would wheel spacers push up insurance? These can make a really big difference to how good a car looks, but subtly.
- try a different car
- try keeping your car elsewhere
- move house
t son.Aside from the fact you're committing insurance fraud and they could just void the whole claim if they found out and leave you uninsured, visual mods are obviously a lot easier to notice. It's not like you've swapped the suspension and no one will see until they come to work on it. If the person you hit/hits you takes a pic of your car with the splitter hanging off you're done.
There was a very recent thread on here where a chap had his policy cancelled as he had PPF fitted and hadn't declared it (he didn't realise) so not worth the risk.
As suggested £600 sounds steep for what it a couple of bolt-ons that don't affect performance in any way. I'd be trying a different insurer.
There was a very recent thread on here where a chap had his policy cancelled as he had PPF fitted and hadn't declared it (he didn't realise) so not worth the risk.
As suggested £600 sounds steep for what it a couple of bolt-ons that don't affect performance in any way. I'd be trying a different insurer.
1. When you try to insure a modified car by tapping the number plate into a price comparison site it is going to show you loads of quotes for the standard car. If your car is substantially modified then those quotes aren't the quotes for that car.
2. Use a company who says they insure modified cars. It will cost more than insuring the standard car through a comparison site but it's one of a myriad of downsides to consider when deciding whether or not to ruin your car.
3. Other issues with modifying are reduced second-hand resale value. Damage to the vehicle. Poor performance from bad aerodynamics or removal of the original airbox. Excess noise making motorway cruising unpleasant. People thinking you're a knob. The cost of the modifications and other costs like the increased insurance. Not being able to afford to pay for dinner at the restaurant for a nice girl because you've spaffed your money up the wall on car modifications she didn't even notice or care about. That's not an extensive list.
2. Use a company who says they insure modified cars. It will cost more than insuring the standard car through a comparison site but it's one of a myriad of downsides to consider when deciding whether or not to ruin your car.
3. Other issues with modifying are reduced second-hand resale value. Damage to the vehicle. Poor performance from bad aerodynamics or removal of the original airbox. Excess noise making motorway cruising unpleasant. People thinking you're a knob. The cost of the modifications and other costs like the increased insurance. Not being able to afford to pay for dinner at the restaurant for a nice girl because you've spaffed your money up the wall on car modifications she didn't even notice or care about. That's not an extensive list.
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