Never been in the company of an insurance loss adjuster or a vehicle examiner have you
Lad at work wound up having to pay another £500 to get paid out £1000 on a write off due to a none declared dump valve on his policy (and he was not at fault for the accident ) it was a pay up within 48 hours or we will cancel your policy type affair
People think we are been " clever" or "smart" with our comments about insurance but the lad above had to get a loan out to pay that £500
It was that or loose his pay out..... And because the policy would be canceled he would have been classed as uninsured 6 point and a fine as well..since the police were involved ..... In a way he was lucky his insurer was lenient with him and allowed him to make a retrospective declaration...
Imagine hurting /killing someone your policy now canceled how you plan on paying the victim or their family compensation? Or the damage to another car / house and any medical costs?
Saw one traffic cop program where plod rung the insurance company "has Mr smith declared the after market alloys that are rubbing on his archs? " "no." " is he still insured?" "No".
He was issued with a summons to court and had his car confiscated......
Everyone hates paying insurance but what's the point in paying it if your going to fail to declare your mods and leave them free to say you've broken the contract..... Refuse to pay out and not refund you....
Put the boot on the other foot bad weather heavy rain at night car in front has tinted lights letting out 50% of the original light it brakes and you don't see them till you ram him up the backside....
It's OK though your insurance will pay for all the damage and his whiplash and you'll loose your no claims and have a premium hike for the next 5 years.....