Accident insurance on hold
Discussion
Hungrymc said:
Possible that you explained the exhaust was the same but long life and so they decided not to note it as a mod? May need to ask about checking the recording of your renewal phone call if you’re very confident you described it to the best of your ability.
I have told them that.stillbwaiting for a responseGavia said:
Why would you declare something that you don’t see as a modification? Seriously, you’re saying that you thought youndeclared it, but equally you don’t think it matters now. It can’t be both.
You think you’ve got a standard aftermarket exhaust from these guys?
http://www.jaex.co.uk
Has your car been decatted?
I am sure I told them and the lady replied it's fine it won't effect your policy but I'm not 100% sure if she was saying it about the exhaust or the window tints or both.and yeh standard exhaust as that's what I asked for a straight swap with stainless stealYou think you’ve got a standard aftermarket exhaust from these guys?
http://www.jaex.co.uk
Has your car been decatted?
NDA said:
Ignore the leg pulling from the PH crowd.... they mean well really.
1. Accident is your fault. You accept this.
2. Tell the insurance company that the exhaust was a like for like swap to stop your car becoming unroadworthy. They don't need to know anything about decibels. Are they suggesting if you change the oil filter with a non Vauxhall part that you should inform them? An indicator bulb?
Who knows nowadays what they expect.im just worried they will cancel my insurance.1. Accident is your fault. You accept this.
2. Tell the insurance company that the exhaust was a like for like swap to stop your car becoming unroadworthy. They don't need to know anything about decibels. Are they suggesting if you change the oil filter with a non Vauxhall part that you should inform them? An indicator bulb?
If they do am I then going to be done for driving with no insurance.and the bill for the other cars repair.and what happens to my car as it's a write off
Gavia said:
I’m sorry, but I’m not buying it that this is a standard exhaust. Has this come about after your car has been inspected for damage and repair costs?
Yeh they had the car for inspection.they then tell me my insurance is on hold.while the investigate the mod.the exhaust isn't standard I told you what happened already.my old exhaust was about to fall off due to corrosion.garage told me to get a s/s exhaust for prolonged life.so that's what I did.its the same exhaust just made of s/s.im 40 yrs old and not a boyracer.it was purely brought because I was keeping the car as long as i could.im not lieing to you.what would be the point in that ? I'm after help so need to tell the truth to get help ? No?DJP said:
I tend to agree. However the OP had a crump in the snow, probably at low speed.
It's hard to see how the insurance could claim his exhaust as a contributory factor.
Although I quite accept that they may not be inclined to pay for repair to an undisclosed mod (if indeed it was damaged).
Nope exhaust wasn't damaged side impactIt's hard to see how the insurance could claim his exhaust as a contributory factor.
Although I quite accept that they may not be inclined to pay for repair to an undisclosed mod (if indeed it was damaged).
Edited by Spenna36 on Wednesday 21st March 20:55
[quote=Gavia]
It’s a mod, I think we’re all agreed on that and the OP is either trying to con himself, or possibly us. His writing style isn’t really that of a 40 year old and he does like to state his age at every ]
I didn't realise this forum was an English lesson or a grammar test.yes my writing isn't great.doesnt mean I'm lieing to you does it.i came to pistonheads as I'm in a spot of bother.
The accident was my fault.however my knowledge on cars/mods etc is very limited.when I did my insurance quote I told the lady on the phone that I had window tints.i also mentioned that I had a s/s exhaust.(I think anyway) my memory is not great at the best of times.you say I'm trying to con you.why would I do that.i have come here purely for help.not telling you the truth is not going to get me the help I need is it.my normal garage recommended that I went to John Ashley exhausts.i asked them to do me s/s exhaust.they did it.i payed and that was it.sorry that you guys feel I'm lieing to you.
It’s a mod, I think we’re all agreed on that and the OP is either trying to con himself, or possibly us. His writing style isn’t really that of a 40 year old and he does like to state his age at every ]
I didn't realise this forum was an English lesson or a grammar test.yes my writing isn't great.doesnt mean I'm lieing to you does it.i came to pistonheads as I'm in a spot of bother.
The accident was my fault.however my knowledge on cars/mods etc is very limited.when I did my insurance quote I told the lady on the phone that I had window tints.i also mentioned that I had a s/s exhaust.(I think anyway) my memory is not great at the best of times.you say I'm trying to con you.why would I do that.i have come here purely for help.not telling you the truth is not going to get me the help I need is it.my normal garage recommended that I went to John Ashley exhausts.i asked them to do me s/s exhaust.they did it.i payed and that was it.sorry that you guys feel I'm lieing to you.
Rubins4 said:
From what I've read here I'm not convinced that this is clear cut, which is important as to me it seems to be where the decision will be made.
OP states that it is "like for like" but in stainless steel; for the moment we have to take that at face value. If we take "modification" it to the letter, then the change of material would therefore mean it is not of manufacturers specification and is therefore modified. In reality, and has been pointed out elsewhere, then virtually every aftermarket exhaust would be a mod, whether it is a replacement part or not. There is therefore a grey area in which the OP appears to have fallen.
From my arm chair, IF the exhaust is deemed to be modified, then the OP might have problems. However, if it is deemed a replacement/repair (whatever the correct terminology is), I cant see what basis the insurer has to wiggle. Therefore, any evidence to argue the exhaust is a mod would be in the OP's interest (including a letter form the exhaust manufacturer, if they are prepared to give one).
OP, I'd be interested to know who your insurer is. I'd rather pay a bit more at premium time and avoid all this s
te.
1st central is my insurer.OP states that it is "like for like" but in stainless steel; for the moment we have to take that at face value. If we take "modification" it to the letter, then the change of material would therefore mean it is not of manufacturers specification and is therefore modified. In reality, and has been pointed out elsewhere, then virtually every aftermarket exhaust would be a mod, whether it is a replacement part or not. There is therefore a grey area in which the OP appears to have fallen.
From my arm chair, IF the exhaust is deemed to be modified, then the OP might have problems. However, if it is deemed a replacement/repair (whatever the correct terminology is), I cant see what basis the insurer has to wiggle. Therefore, any evidence to argue the exhaust is a mod would be in the OP's interest (including a letter form the exhaust manufacturer, if they are prepared to give one).
OP, I'd be interested to know who your insurer is. I'd rather pay a bit more at premium time and avoid all this s
te.I have already said why I changed the exhaust.it was a replacement as the old exhaust was crumbling really bad.i was given a number to ring to get a s/s exhaust for longer life.i didn't ask or speak about performance to the garage that did it.as I have no care for the car to be fast/faster it was purely because I was keeping the car for as long as I could.with regards to telling the insurance about it.as I had heard that an s/s can be a mod so I mentioned it (I believe I did mention it anyway.but not 100%) to the insurer when I did the quote at the same time I told them about the tinted windows.and I was told ok that was fine.im not clued up on all this at all.i know how to drive cars but apart from that I don't have a Scooby doo
Gavia said:
Rubins4 said:
I quite agree that there is plenty to be suspicious about, but innocent until proven guilty and all of that, this is still Blightly you know 
The lack of evidence is a bit disconcerting, but the OP admits to being clueless. As it happens, I'm still waiting to hear why your spidey senses are tingling in relation to my first post in this thread...
As the chap above points out, a replacement rather than performance exhaust is not out the question from the supplier.
Spidey senses are because you’ve decided to post after four years with nothing, that’s all. The lack of evidence is a bit disconcerting, but the OP admits to being clueless. As it happens, I'm still waiting to hear why your spidey senses are tingling in relation to my first post in this thread...As the chap above points out, a replacement rather than performance exhaust is not out the question from the supplier.
No point discussing the insurance side of things, other than to say it’s not a criminal matter there is no innocent until proven guilty. He’s potentially breached the contract with the insurer and that’s enough for the contract to be null and void in terms of fixing his car.
We’ll never find out what happens anyway, as these threads never get a resolution post at the end.
Gavia said:
Is it a decat system?
I don't know.like I said I never spoke to them about detail.i just said I need a new exhaust in s/s they did the rest.and I can't find the invoice.i phoned them yesterday and they said they just did an exhaust in s/s.all they said was they couldn't get the bolts out of the manifold because they were badly corroded. so they cut the pipe a foot away from the manifold and joined on to it.dude when he said about the manifold.i said what's a manifold.thats how clueless I am about cars.i know what it now because he told meGavia said:
Right. There’s no way to see that’s a stainless steel system so the insurance guy has either made it up, or there’s a lot more underneath the car.
It is s/s exhaust.i don't have picture of underneath sorry.an I couldn't even tell you what the underneath looked like.so you asking me if it's a decat.i have no idea Edited by Spenna36 on Thursday 22 March 15:35
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