Accident insurance on hold
Discussion
Spenna36 said:
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 thatDare we ask what sort of car it is?
DJP said:
Or is everyone with a Kwik-Fit exhaust now deemed to be running a "Modified" car?
No it's quite normal to go to Kwik-Fit for a replacement exhaust and you wouldn't be expected to be sold a performance exhaust unless you specifically asked for one. Do they even sell performance exhausts? 
anniesdad said:
So it's stainless steel, it's a bit more expensive than the standard part, it's a little noisier and the insurers may have an issue with it. I'm starting to think that it isn't just a pattern part replacement and it is infact an aftermarket sports exhaust.
Dare we ask what sort of car it is?
It's a vectra 2.0 turbo sri.i took my car to a garage because exhaust was rattling.they put it on ramp and called me over.the dude poked the back box with a spanner and it crumbled.the whole thing was about to drop off.he asked if I plan on keeping the car for along time.i said yeh.he said for an extra £50-100 you could get a stainless steal exhaust with a life time warranty.he then told me to ask John Ashley exhaust in Walsall they did it for at £100 more expensive than the basic one.i did it purely for long life.i planned on keeping the car as it was my pride an joy Dare we ask what sort of car it is?
Spenna36 said:
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 ?
Yes my insurance co said they will not cover any exhaust that changes the standard exhaust noise/sound in anyway. Bonkers I know. They knew as I was honest with them when they asked me if it altered the sound. It probably doesn't help I drive a fiesta ST though. They have boy racer stamped on them during production and get stolen faster than you can say hot hatch. I have swapped to insurance co that specializes in modified cars now, they were fine with it.TooMany2cvs said:
Who take up to 3 months to contact you from when you lodge the complaint, then they expect to resolve things in 3-4 months but it may take longer. I'm still in their process from a no fault accident from last juneIt’s funny to think about all of the discussion about if the exhaust is performance enhancing. It’s extremely unlikely to offer any more bhp.... If only it were that easy.
The trouble is there seems to be some insurance companies who take a very odd view of what is a mod and what is a repair. Is the pipe work the same diameter? Follow the original routing? Does it have the same number of CATs & silencers? If so i’d argue very hard that it’s simply a repair.
From what I’ve seen on other threads, it’s unlikely that they void your claim anyway? They may want to adjust your premium or increase the excess? It’s possibly a bigger risk that they cancel your insurance after the claim for an undeclared mod (which if the exhaust is the same fundamental design I’d argue was ridiculous).
The trouble is there seems to be some insurance companies who take a very odd view of what is a mod and what is a repair. Is the pipe work the same diameter? Follow the original routing? Does it have the same number of CATs & silencers? If so i’d argue very hard that it’s simply a repair.
From what I’ve seen on other threads, it’s unlikely that they void your claim anyway? They may want to adjust your premium or increase the excess? It’s possibly a bigger risk that they cancel your insurance after the claim for an undeclared mod (which if the exhaust is the same fundamental design I’d argue was ridiculous).
Hungrymc said:
It’s funny to think about all of the discussion about if the exhaust is performance enhancing. It’s extremely unlikely to offer any more bhp.... If only it were that easy.
The trouble is there seems to be some insurance companies who take a very odd view of what is a mod and what is a repair. Is the pipe work the same diameter? Follow the original routing? Does it have the same number of CATs & silencers? If so i’d argue very hard that it’s simply a repair.
From what I’ve seen on other threads, it’s unlikely that they void your claim anyway? They may want to adjust your premium or increase the excess? It’s possibly a bigger risk that they cancel your insurance after the claim for an undeclared mod (which if the exhaust is the same fundamental design I’d argue was ridiculous).
Diameter im not sure.i didn't ask for anything other than can you put me a new exhaust on as mines crumbling and I want the stainless steal exhaust so it lasts longer with the warranty.thats all that was said.he did the job and that was it.until now the exhaust has never been mentionedThe trouble is there seems to be some insurance companies who take a very odd view of what is a mod and what is a repair. Is the pipe work the same diameter? Follow the original routing? Does it have the same number of CATs & silencers? If so i’d argue very hard that it’s simply a repair.
From what I’ve seen on other threads, it’s unlikely that they void your claim anyway? They may want to adjust your premium or increase the excess? It’s possibly a bigger risk that they cancel your insurance after the claim for an undeclared mod (which if the exhaust is the same fundamental design I’d argue was ridiculous).
Spenna36 said:
anniesdad said:
So it's stainless steel, it's a bit more expensive than the standard part, it's a little noisier and the insurers may have an issue with it. I'm starting to think that it isn't just a pattern part replacement and it is infact an aftermarket sports exhaust.
Dare we ask what sort of car it is?
It's a vectra 2.0 turbo sri.i took my car to a garage because exhaust was rattling.they put it on ramp and called me over.the dude poked the back box with a spanner and it crumbled.the whole thing was about to drop off.he asked if I plan on keeping the car for along time.i said yeh.he said for an extra £50-100 you could get a stainless steal exhaust with a life time warranty.he then told me to ask John Ashley exhaust in Walsall they did it for at £100 more expensive than the basic one.i did it purely for long life.i planned on keeping the car as it was my pride an joy Dare we ask what sort of car it is?
edit: you said in your original post you thought you'd declared it..."the other is a stainless steal exhaust which they said they havnt got that on file.i thought I had told them about it.its not a performance exhaust" you must have known at the time that you should tell your insurance about it. Best to wait for their decision and go from there.
Edited by anniesdad on Wednesday 21st March 16:24
Spenna36 said:
It's a vectra 2.0 turbo sri.i took my car to a garage because exhaust was rattling.they put it on ramp and called me over.the dude poked the back box with a spanner and it crumbled.the whole thing was about to drop off.he asked if I plan on keeping the car for along time.i said yeh.he said for an extra £50-100 you could get a stainless steal exhaust with a life time warranty.he then told me to ask John Ashley exhaust in Walsall they did it for at £100 more expensive than the basic one.i did it purely for long life.
Then it should be viewed as a straight replacement, and there should be no problem.I did honestly think I told them about the exhaust when I renewed at the same time I told them about the tinted windows.they say that the window tints is on file but not the exhaust.so i think they are looking to cancel my insurance for not declaring an exhaust modification.this is why I'm trying to find out if this is deemed as a mod or not.or what I can do if an when they cancel my insurance.will I get done for driving without insurance.who will pay for the taxis damage etc etc
Spenna36 said:
If they void my insurance.what happens then ? Do I have to pay the other cars damages.can I get done for driving without insurance etc etc.i have no idea what will happen
Neither of those things will happen in my opinion. Your insurers will pay the third parties claim, you won't get prosecuted but they either will or won't pay you out on your claim. I guess it would depend on whether they would have covered the risk if you had told them about the exhaust, or not. Spenna36 said:
I did honestly think I told them about the exhaust when I renewed at the same time I told them about the tinted windows.they say that the window tints is on file but not the exhaust.so i think they are looking to cancel my insurance for not declaring an exhaust modification.this is why I'm trying to find out if this is deemed as a mod or not.or what I can do if an when they cancel my insurance.will I get done for driving without insurance.who will pay for the taxis damage etc etc
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?
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 responseGassing Station | General Gassing | Top of Page | What's New | My Stuff