Wrapping and car insurance?
Discussion
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.
What a load of bhis 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.
ks, there is no way they can decline a claim from a 3rd party based on what he has declared to his contracted insurer if their policyholder is 100% at fault.dibblecorse said:
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.
What a load of bhis 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.
ks, there is no way they can decline a claim from a 3rd party based on what he has declared to his contracted insurer if their policyholder is 100% at fault.1 Your wrong
2 He’s lying
I’m going with 1
dibblecorse said:
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.
What a load of bhis 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.
ks, there is no way they can decline a claim from a 3rd party based on what he has declared to his contracted insurer if their policyholder is 100% at fault.Mr lestat said:
dibblecorse said:
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.
What a load of bhis 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.
ks, there is no way they can decline a claim from a 3rd party based on what he has declared to his contracted insurer if their policyholder is 100% at fault.1 Your wrong
2 He’s lying
I’m going with 1
1- he's wrong - no
2 - he's lying - more likely just doesn't know the truth
3 - the mates, mates, son, didn't put up a fight.
Someone totals your parked car.
Their fault.
3rd party is liable
Somehow...... somehow.... the 3rd party insurer inspects the 1st party car and somehow... somehow.... on some kind of hunch....gets the 1st party insurer to confirm they were not declared wheels on a policy that is nothing to do with the 3rd party at all.
Then, somehow, the 3rd party insurer can somehow void the (irrelevant) 1st party insurance, and at the same time, refuse to pay the 1st party, for something that is nothing to do with anything other than the 1st party's insurance.
And pigs fly.
Or... the 1st party (lad with Corsa) claimed on his own insurance, no 3rd party involved, and somehow his insurers spotted his "halfordesque" (this IS a wind up , right?) wheels and declined his claim, based on undisclosed mods, and the lad didn't challenge it with the insurance ombudsman, who would have slapped the insurance company into paying.
After declaring my latest modification to my car (boot lip spoiler), I contacted my insurer and they quoted me £80 - I thought that was a bit steep considering every other modification had been free of charge or ~£20. I queried this, and the agent said that if I didn't tell them about any future modifications and in the event of an accident, they would pay out for all modifications declared but none of the undeclared modifications.
I thought this was pretty strange, basically I could just not inform them of any of my future modifications... Am I right?
I don't trust this though and don't plan on doing so, not worth the stress. But next time the insurance renewal comes around I might try and get this in writing and opt to not declare them. Most are sub £200 modifications at the end of the day, so not too worried about not being paid out for them in the event of an accident. More worried about being stumped with a void policy...
I thought this was pretty strange, basically I could just not inform them of any of my future modifications... Am I right?
I don't trust this though and don't plan on doing so, not worth the stress. But next time the insurance renewal comes around I might try and get this in writing and opt to not declare them. Most are sub £200 modifications at the end of the day, so not too worried about not being paid out for them in the event of an accident. More worried about being stumped with a void policy...
I’ve found that car insurance companies, or more specifically the call centre staff, cannot differentiate between
- Factory fitted optional extra
- After market modification e.g., a third party engine remap
- Retrofitted OEM feature at main dealer
- Manufacturer approved aftermarket accessory.
For a number of recent cars insurance call centre staff were unable to differentiate between
- Factory fitted HUD (classified by them as a ‘modification’)
- Main dealer retrofitted cruise control (classified by them as a ‘modification’)
- Manufacturer approved dealer fitted aftermarket integrated dash cam with OEM branding and part number. (Classified by them as a ‘modification’)
Interestingly I’ve never had a ‘modification’ but have paid elevated premiums for the above.
Reminds me of the winter tyre fiasco where insurance companies were so quick to try and charge more for something that they overlooked that winter tyres make cars safer in winter conditions.
- Factory fitted optional extra
- After market modification e.g., a third party engine remap
- Retrofitted OEM feature at main dealer
- Manufacturer approved aftermarket accessory.
For a number of recent cars insurance call centre staff were unable to differentiate between
- Factory fitted HUD (classified by them as a ‘modification’)
- Main dealer retrofitted cruise control (classified by them as a ‘modification’)
- Manufacturer approved dealer fitted aftermarket integrated dash cam with OEM branding and part number. (Classified by them as a ‘modification’)
Interestingly I’ve never had a ‘modification’ but have paid elevated premiums for the above.
Reminds me of the winter tyre fiasco where insurance companies were so quick to try and charge more for something that they overlooked that winter tyres make cars safer in winter conditions.
TwigtheWonderkid said:
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
You even have to ask this ??
You even have to ask this ??
You do have form for disappearing when shown wrong.
Sparked quite a bit of debate.
If they wanted to completely refuse to pay out, surely the insurance company would have an onus to demonstrate that whatever the modification was had a serious relation or bearing with the issue/accident at hand eg had destabilised and made the vehicle unsafe?
In the worst case scenario described, what is the consensus as to what would happen with an undeclared wrap?
If they wanted to completely refuse to pay out, surely the insurance company would have an onus to demonstrate that whatever the modification was had a serious relation or bearing with the issue/accident at hand eg had destabilised and made the vehicle unsafe?
In the worst case scenario described, what is the consensus as to what would happen with an undeclared wrap?
Not sure how accurate these are:
https://news.jardinemotors.co.uk/how-to/minor-car-...
https://www.keithmichaels.co.uk/modified-cars-insu...
https://news.jardinemotors.co.uk/how-to/minor-car-...
https://www.keithmichaels.co.uk/modified-cars-insu...
Agm2992mga said:
Sparked quite a bit of debate.
If they wanted to completely refuse to pay out, surely the insurance company would have an onus to demonstrate that whatever the modification was had a serious relation or bearing with the issue/accident at hand eg had destabilised and made the vehicle unsafe?
In the worst case scenario described, what is the consensus as to what would happen with an undeclared wrap?
No, they would say that they would never have insured the car if they had known about the wrap and declare the policy void from inception, meaning that you were never insured.If they wanted to completely refuse to pay out, surely the insurance company would have an onus to demonstrate that whatever the modification was had a serious relation or bearing with the issue/accident at hand eg had destabilised and made the vehicle unsafe?
In the worst case scenario described, what is the consensus as to what would happen with an undeclared wrap?
In the worst case this would happen after you have caused someone life changing injuries, the insurer refuses to pay out for your damage, leave the MIB to pay out the other driver's seven figure personal injury claim, the MIB pursue you for the costs, take your house and leave you bankrupt, and the police charge you with driving uninsured resulting in six points, fine and costs.
That's not the most likely outcome, but the worst one.
bad company said:
TwigtheWonderkid said:
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
You even have to ask this ??
You even have to ask this ??
You do have form for disappearing when shown wrong.
ks. It's actually very difficult for an insurer to walk away from a claim. To say "If you have ANY undeclared modifications, your car insurance is VOID" is total hogwash. It would depend on the type of modification, and the circumstances surrounding the non disclosure. And what that particular insurance company would have covered at extra cost if they were told initially. well I only lived next door to corsa/bin lorry lad: so forgive me if you don't agree with me.
weirdly- another neighbour had his knackered 900cc fiat panda written off outside too, (another incident)
can't have been worth more than £50.
he was given a brand new car to drive around in whilst the ins co's settled it. he had it for over 3 mths. go figure that bit of genius ins work out.
pay John £50 on day one and sort it, or blow literally £1000's on giving him a hire car whilst we push pens about.
john was happy, he'd never had such a decent car in his life.
weirdly- another neighbour had his knackered 900cc fiat panda written off outside too, (another incident)
can't have been worth more than £50.
he was given a brand new car to drive around in whilst the ins co's settled it. he had it for over 3 mths. go figure that bit of genius ins work out.
pay John £50 on day one and sort it, or blow literally £1000's on giving him a hire car whilst we push pens about.
john was happy, he'd never had such a decent car in his life.
TwigtheWonderkid said:
bad company said:
TwigtheWonderkid said:
thebigmacmoomin said:
If you have ANY undeclared modifications, your car insurance is VOID and obviously they will not pay out.
You even have to ask this ??
You even have to ask this ??
You do have form for disappearing when shown wrong.
ks. It's actually very difficult for an insurer to walk away from a claim. To say "If you have ANY undeclared modifications, your car insurance is VOID" is total hogwash. It would depend on the type of modification, and the circumstances surrounding the non disclosure. And what that particular insurance company would have covered at extra cost if they were told initially. Gassing Station | General Gassing | Top of Page | What's New | My Stuff