Accident insurance on hold
Discussion
Gavia 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?
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?
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?
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?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?
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).
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).
They can either say the premium would’ve been n% more and this reduce their payout by that amount, or if they can evidence it, if they wouldn’t have insured it in the first place can avoid the policy completely. 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).
Spenna36 said:
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?
You keep saying that you’re 40, although your style of writing is a bit off the mark with that. As much as you protest on here that you’re not a boy racer, we are all petrol heads and like a bit of speed and a nice car.
If theninsirer has spotted an issue then you’re in bother.
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
Hungrymc said:
The 3rd party element ?
OP, can you get a letter from the exhaust company stating the exhaust is a ong life replacement for the OE exhaust?
Yea and no. The insurer will pay out as unlikely they’ll be able to cancel an initio (from the start), but will reserve the right to recover costs from the OP (unlikely). OP, can you get a letter from the exhaust company stating the exhaust is a ong life replacement for the OE exhaust?
A letter from the exhaust company will mean as much as Chamberlain’s piece of paper. They have a vested interest and the insurer already knows there’s an issue.
Gavia said:
A letter from the exhaust company will mean as much as Chamberlain’s piece of paper. They have a vested interest and the insurer already knows there’s an issue.
Beg to differ, they market themselves as selling performance exhausts. I don’t see their vested interest is saying the exhaust is only a long life replacement and has no performance benefit - in fact I suspect it will be mildly uncomfortable for them to have to admit there is no performance benefit. As I said above, assuming the exhaust design is mainly in line with the original design I’d take the argument that it isn’t a mod and I’m pretty confident I’d win. If it’s twice the diameter and is missing silencers and / or CATs then I’d say it’s a mod.All could change depending on what they find in the phone records.
I had a 2004 Audi Avante 2.0l petrol which needed a new exhuast as it was shagged, new was £1300 if i could have got one, as there were none in the UK and only front section in Germany, so wrang around for a s/s one and found a company in Hastings who made an identical full system for £450
Did'nt occur to me to notify insurance as it was a like for like replacement in s/s with original silencers and cat
Did'nt occur to me to notify insurance as it was a like for like replacement in s/s with original silencers and cat
Hungrymc said:
Beg to differ, they market themselves as selling performance exhausts. I don’t see their vested interest is saying the exhaust is only a long life replacement and has no performance benefit - in fact I suspect it will be mildly uncomfortable for them to have to admit there is no performance benefit. As I said above, assuming the exhaust design is mainly in line with the original design I’d take the argument that it isn’t a mod and I’m pretty confident I’d win. If it’s twice the diameter and is missing silencers and / or CATs then I’d say it’s a mod.
All could change depending on what they find in the phone records.
It’s not going to be a standard exhaust though is it? It’ll be a decat stainless steel performance exhaust. All could change depending on what they find in the phone records.
The insurer has spotted a modified exhaust, a letter from the vendor of the exhaust will not make any difference at all to the insurer’s decision. The FOS will not side with the OP, if he has a genuinely modded exhaust. If it’s a simple pattern aftermarket exhaust, then why all the fuss, the people who assess cars post accident, are fairly clued up on their cars.
Gavia said:
Hungrymc said:
Beg to differ, they market themselves as selling performance exhausts. I don’t see their vested interest is saying the exhaust is only a long life replacement and has no performance benefit - in fact I suspect it will be mildly uncomfortable for them to have to admit there is no performance benefit. As I said above, assuming the exhaust design is mainly in line with the original design I’d take the argument that it isn’t a mod and I’m pretty confident I’d win. If it’s twice the diameter and is missing silencers and / or CATs then I’d say it’s a mod.
All could change depending on what they find in the phone records.
It’s not going to be a standard exhaust though is it? It’ll be a decat stainless steel performance exhaust. All could change depending on what they find in the phone records.
The insurer has spotted a modified exhaust, a letter from the vendor of the exhaust will not make any difference at all to the insurer’s decision. The FOS will not side with the OP, if he has a genuinely modded exhaust. If it’s a simple pattern aftermarket exhaust, then why all the fuss, the people who assess cars post accident, are fairly clued up on their cars.
I’ve said ‘If it follows the design of the original’. Do you disagree? IF it is same diameter, routing, number and position of silencers and CATs and has been discussed as such with them, do you think they would be entitled to penalise the OP?
I’ve said in all of my posts if it deviates from original design it will be a mod. The problem here would to be that the OP either through lack of knowledge, or through trying to talk the mod down to avoid increased premium has not given an accurate description. I’m pretty sure most policies ask for information in good faith and to the best of your knowledge but this would be a much trickier situation.
Spenna36 said:
Ok guys.i need to know what can or will happen if they cancel my insurance pls
Nobody on here can tell you for certain but some of us are experienced in these kind of situations. Gavia has suggested, and I agree with him, that the likelihood is that your insurers will pay for the third parties damage but are unlikely to seek a contribution from you. The Police will have no interest in pursuing you for driving without insurance as you had insurance but your insurers are looking to swerve your indemnity cover on a technicality. Gassing Station | General Gassing | Top of Page | What's New | My Stuff