Wrapping and car insurance?
Discussion
Car insurance firms I've approached don't want to go anywhere near a wrapped vehicle, not wanting to touch insuring the car if this modification is carried out.
Feel quite conflicted about this.
How do people get around this or go about things after sticking a wrap on?
Is it just commonly not declared - Maybe not necessary to declare if we're talking black to matt black wrap, for instance? Simpler if not a DVLA colour change?
Plus if the worst were to happen and you were to have gone this route but have an accident without having declared the wrap, would an insurer really void entire policy and refuse the claim or just not cover damage to the additional cost spent on the wrap etc?
Thanks for any information.
Feel quite conflicted about this.
How do people get around this or go about things after sticking a wrap on?
Is it just commonly not declared - Maybe not necessary to declare if we're talking black to matt black wrap, for instance? Simpler if not a DVLA colour change?
Plus if the worst were to happen and you were to have gone this route but have an accident without having declared the wrap, would an insurer really void entire policy and refuse the claim or just not cover damage to the additional cost spent on the wrap etc?
Thanks for any information.
Agm2992mga said:
Plus if the worst were to happen and you were to have gone this route but have an accident without having declared the wrap, would an insurer really void entire policy and refuse the claim or just not cover damage to the additional cost spent on the wrap etc?
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.You even have to ask this ??
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
It's rather more complicated than that. They can, but they won't always. Usually voiding from inception will only happen if the risk was one that they would not have taken on at all, and them doing that has serious consequences.https://www.financial-ombudsman.org.uk/publication...
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
Incorrect.Chris32345 said:
If you had. A crash they likely wouldn't pay a penny out to you they have to paid out any 3rd party damage but likely to take legal proceeding out against you to recover the costs
Hogwash.DuncB7 said:
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
Incorrect.Chris32345 said:
If you had. A crash they likely wouldn't pay a penny out to you they have to paid out any 3rd party damage but likely to take legal proceeding out against you to recover the costs
Hogwash.Best take the tyre pressure monitoring system valve caps off my disco quick! (and the 12v cigar socket extender, and the non-Landrover replacement running boards, and the DAB antenna and the "aftermarket" Grabber AT2 tyres etc etc )
There was a case a few months ago where someone had recently refurbished the wheels on the car to a different shade of silver from the original and that counted as a modification. Your best to declare everything if you want the peace of mind that all is well. However if you’re not bothered carry on. I’m not sure what happens if you have a car that’s a few years old and you aren’t sure if it’s been modified in any way or not by a previous owner.
That’s probably a bit of a minefield
That’s probably a bit of a minefield
Mr lestat said:
There was a case a few months ago where someone had recently refurbished the wheels on the car to a different shade of silver from the original and that counted as a modification. Your best to declare everything if you want the peace of mind that all is well. However if you’re not bothered carry on. I’m not sure what happens if you have a car that’s a few years old and you aren’t sure if it’s been modified in any way or not by a previous owner.
That’s probably a bit of a minefield
That was when they had a black box installed, and the installer told the insurance company. The insurance company, partially understandably, didn't want to insure someone that was already high risk (black box driver - young) and had, in their mind , "snazzed up" the wheels.That’s probably a bit of a minefield
That is a world apart from crashing, and then your insurer trying to wriggle out of paying because you changed the colour of your wheels. I'd love to see that stick in court.
few years ago, a neighbour's, son's corsa was hit by a bin wagon- badly. write off.
his car was parked up outside the house, stationary, no one in it/driving.
absolute clear liability/fault.
as he'd stuck some aftermarket halfordsesque alloys on it- not declared it- sadly the insurance companies told him to do one.
true story bro and everything. by me, not down the pub.
his car was parked up outside the house, stationary, no one in it/driving.
absolute clear liability/fault.
as he'd stuck some aftermarket halfordsesque alloys on it- not declared it- sadly the insurance companies told him to do one.
true story bro and everything. by me, not down the pub.
austinsmirk said:
few years ago, a neighbour's, son's corsa was hit by a bin wagon- badly. write off.
his car was parked up outside the house, stationary, no one in it/driving.
absolute clear liability/fault.
as he'd stuck some aftermarket halfordsesque alloys on it- not declared it- sadly the insurance companies told him to do one.
true story bro and everything. by me, not down the pub.
You might say that it's true, but I don't believe it.his car was parked up outside the house, stationary, no one in it/driving.
absolute clear liability/fault.
as he'd stuck some aftermarket halfordsesque alloys on it- not declared it- sadly the insurance companies told him to do one.
true story bro and everything. by me, not down the pub.
HM-2 said:
otolith said:
Usually voiding from inception will only happen if the risk was one that they would not have taken on at all
Presumably that would be the case in these instances if insurers are refusing to quote at all for wrapped cars, though?Gassing Station | General Gassing | Top of Page | What's New | My Stuff