Accident insurance on hold

[TooMany2cvs]

Spenna36 said:

Not the case.he was a good distance up the road.however my car struggled to turn due to icy weather.he had along distance to see me there.but because he was going so fast he just skidded straight into me.

So you had bugger all grip, but assumed he'd have plenty?

[Ultra Sound Guy]

Driving on ice is like typing, you need to leave more space!

[Jonno02]

Spenna36 said:

Not the case.he was a good distance up the road.however my car struggled to turn due to icy weather.he had along distance to see me there.but because he was going so fast he just skidded straight into me.

I can't see that sticking. The fact is you pulled out into his path. He may have been going too fast for the conditions, but you pulled out onto a road in bad conditions when he has right of way. Sometimes the real-life common sense scenario doesn't fly with insurance companies who like things black and white.

[Spenna36]

Nope.he was a good distance up the road he should have seen me struggling and should have slowed down in good time

[Spenna36]

Anyway who's to fault isn't really my issue.i can take the blame.thats fine.its wether the insurance company void my claim because of the exhaust is what I'm worried about.

[StanleyT]

My first accident was ther reversal of yours....I was coimg down a hill at 20 mph in the snow. A taxi pulled out on me from a sideroad. I hit him. However, I hit him when he had got to 25 mph 30yrds after the junction - basically despite breaking I'd not been able to scrub offf any speed and accelerated down the hill - my fault in that instance.

[Gavia]

Spenna36 said:

Nope.he was a good distance up the road he should have seen me struggling and should have slowed down in good time

That will not work as a defence.

[Spenna36]

Yeh I take the blame.just phoned the people who replaced my exhaust.they said it was a straight swap.only difference is the exhaust was made with stainless steal.so have the insurance company got the right to call it a modification ? And void my insurance ?

[Gavia]

Spenna36 said:

Yeh I take the blame.just phoned the people who replaced my exhaust.they said it was a straight swap.only difference is the exhaust was made with stainless steal.so have the insurance company got the right to call it a modification ? And void my insurance ?

No.

[Spenna36]

Simple as that ?

[stargazer30]

Just to add my recent experience. This has the square root of F all to do with your claim being valid but...

I bought a car with a performance SS exhaust already on. It adds no real BHP but it alters the sound very slightly. Its not boy racer fart can loud, just a subtle deeper burble than OEM. My insurance company, at first, covered the new car no issue. Come renewal they had removed the mod off the policy without me asking them to, denied they'd ever insured the exhaust. When I sent them proof (policy doc) they then point blank refused to cover the car and refused to renew the insurance.

And the biggest shocker, its not Admiral either.

So long story short, unless your exhaust is an exact copy of the OEM unit in SS, it could still be classed as a modification if it alters the noise of a standard system. Thats what got my ins co up in arms, they were very happy to cover the mountune upgrade my car has that actually does add power.

[Spenna36]

The noise was a bit louder than the original but only slightly.that mean they can void it ? But how do they know that it was louder or not than the original ?

[anniesdad]

Gavia said:

Spenna36 said:

Yeh I take the blame.just phoned the people who replaced my exhaust.they said it was a straight swap.only difference is the exhaust was made with stainless steal.so have the insurance company got the right to call it a modification ? And void my insurance ?

No.

Agreed.

[Gavia]

Spenna36 said:

Simple as that ?

It is if you’re telling us the full story. If the exhaust is a straight swap and a simple pattern aftermarket exhaust then it’s fine. If it’s a noisy, chavvy thing then it's a modification and you’ll have to deal with the fall out.

[Spenna36]

Gavia said:

It is if you’re telling us the full story. If the exhaust is a straight swap and a simple pattern aftermarket exhaust then it’s fine. If it’s a noisy, chavvy thing then it's a modification and you’ll have to deal with the fall out.

Dude who fitted it said no performance gain a little noisier than original but nothing other than that

[Gavia]

Spenna36 said:

Dude who fitted it said no performance gain a little noisier than original but nothing other than that

Which neatly avoids the key question

Is it a pattern part I.e. identical to the standard exhaust or is it a blingy chavvy one?

Edited by Gavia on Wednesday 21st March 15:50

[Mo28]

I know you're not really bothered about the liability of the accident but were you fully established on the road when the taxi hit you or were you still making the turn?

To me it looks like your insurers are trying to worm their way out of a payout

[Pica-Pica]

Spenna36 said:

Front windows are not tinted only rear windows.they are only being funny about the exhaust

From what you have said, the exhaust just seems a repair. They would soon be onto you if you DIDN’T maintain the car!

There have been a few threads recently about repairs and modifications and insurance, something for all to be alert to, I guess.

[Gavia]

Mo28 said:

I know you're not really bothered about the liability of the accident but were you fully established on the road when the taxi hit you or were you still making the turn?

To me it looks like your insurers are trying to worm their way out of a payout

They’re paying out to the other driver no matter what.

[DJP]

I think that there's more to this than the OP's letting on.

Frankly, I doubt that an insurance assessor would even notice a non standard exhaust provided that it's a straight, pattern replacement.

Or is everyone with a Kwik-Fit exhaust now deemed to be running a "Modified" car?

Doesn't seem likely to me.