Remap Friendly Car Insurers?

[Bagzie88]

TwigtheWonderkid said:

milkround said:

https://www.adrianflux.co.uk/blog/2018/07/how-the-...

"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."

Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.

If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though.

Fraud is fraud as you like to say.

[TwigtheWonderkid]

Bagzie88 said:

TwigtheWonderkid said:

milkround said:

https://www.adrianflux.co.uk/blog/2018/07/how-the-...

"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."

Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.

If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though.

Fraud is fraud as you like to say.

In order to commit fraud, there has to be intent to deceive. The person not disclosing the sticker is not withholding that information with the intent of deceiving the insurance co into giving a lower quote.

[Bagzie88]

TwigtheWonderkid said:

In order to commit fraud, there has to be intent to deceive. The person not disclosing the sticker is not withholding that information with the intent of deceiving the insurance co into giving a lower quote.

Ignorance is no excuse for breaking the law , I expect all future modifications of your car to be declared no matter how small.

Otherwise no more condescending ultra honest mentality posts from you will be taken seriously.

Sound fair?

[milkround]

TwigtheWonderkid said:

Bagzie88 said:

TwigtheWonderkid said:

milkround said:

https://www.adrianflux.co.uk/blog/2018/07/how-the-...

"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."

Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.

If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though.

Fraud is fraud as you like to say.

In order to commit fraud, there has to be intent to deceive. The person not disclosing the sticker is not withholding that information with the intent of deceiving the insurance co into giving a lower quote.

I have provided a link stating how insurance companies view modifications. I can provide more if you want...

So I take it you will be calling your insurance company and saying how your tyres are not the same that came out the factory etc? And you will be checking if everything is just as it was?

You can't abuse others calling them fraudsters whilst making your own definition of a modification up. I'm happy to admit I am 'wrong'. But I don't look down on others. I expect perfect behaviour from you if you are going to condemn others.

[CTS86]

TwigtheWonderkid said:

If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though.

Genuine question on the sticker front...

Those little football mini kits that hang in the window or the "hilarious" stickers of a cartoon bloke p*ssing on a rival team's shirt - should these not be declared?

If I parked up in, say, Leeds with one of aforementioned stickers of a Man United bloke p*ssing on a Leeds shirt, chances are that I'd get my car keyed or worse. I then put an insurance claim in, they pay £500 for a respray and my premium goes up by £100. A few months later having not learned my lesson the same happens again and the insurers pay for another respray.

How's that any different to putting upgraded alloys on my car or such, which I'd have to declare? Both make my car a target in different ways but the outcome is still the same in that it'll cost my insurer a fair whack.

[TwigtheWonderkid]

Bagzie88 said:

TwigtheWonderkid said:

In order to commit fraud, there has to be intent to deceive. The person not disclosing the sticker is not withholding that information with the intent of deceiving the insurance co into giving a lower quote.

Ignorance is no excuse for breaking the law ,

Indeed. It you didn't know intending to deceive your insurers was against the law, that's your lookout. But intending to deceive is the bloody law. If you are not intending to deceive then you are not committing fraud. You may well be not disclosing info to your insurance, but you aren't committing fraud. If you deliberately withhold info because you think disclosing it will mean a higher premium, you are committing fraud.

[TwigtheWonderkid]

CTS86 said:

TwigtheWonderkid said:

If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though.

Genuine question on the sticker front...

Those little football mini kits that hang in the window or the "hilarious" stickers of a cartoon bloke p*ssing on a rival team's shirt - should these not be declared?

If I parked up in, say, Leeds with one of aforementioned stickers of a Man United bloke p*ssing on a Leeds shirt, chances are that I'd get my car keyed or worse. I then put an insurance claim in, they pay £500 for a respray and my premium goes up by £100. A few months later having not learned my lesson the same happens again and the insurers pay for another respray.

How's that any different to putting upgraded alloys on my car or such, which I'd have to declare? Both make my car a target in different ways but the outcome is still the same in that it'll cost my insurer a fair whack.

If the guy with the football sticker isn't telling his insurers because he's afraid it will put his premium up, then it is no different. If he isn't telling them because he doesn't think he has to, then although the outcome may be the same, it isn't fraud. There's no intent to deceive. No one who has a remap doesn't tell their insurers because they genuinely think it's not disclosable. They don't tell because they don't want to pay the extra. That's fraud.