A friend of mine was driving along, minding their own business. Someone didn't see them coming, pulls out in front of them from a side road and totals my friend's car.

'Ah bugger' thinks my mate, 'insurance claim time'. This is where the trouble really begins.
Inspector finds the induction kit, which isn't declared on the policy.

Bear in mind that the driver wasn't at fault in the accident, and that the induction kit has no bearing on the events.

Result? The insurance company have voided the policy, and returned the car unrepaired.

Mate now has no transport and no cash.

He can still claim on the other drivers insurance though even though his own policy is voided, his policy has nothing to do with the claim if he was not at fault.

We had the same problem with tints on the car not being declared (they were done 2 days before the accident) however we paid a £600 excess to remain covered on the insurance.

Nice message to everyone though, declare your mods guys!!

What makes me laugh is how my mate went to court for speeding and lost his licence for 12months for racing an undercover police car at speeds of up to 138mph....

But when he went to court they say nothing about the fact that his car is no where near standard and running near double the normal power of the car and insured as a bog standard version!

Big lesson to be learnt! Car insurance is such a grey area but they make the rules, they say you must declare everything otherwise your not insured - there for it doesn't take a rocket scientist to realise that they ain't going to pay out if they can find a wiggle way out, or even more obviously they find a an undeclared mod! Things like hub caps have been known to nullify insurance. :bang:

Your mate probably feels like a victim of the insurers but lets face it if you don't play by their rules it's tough at the end of the day.

If people can't afford the insurance price hike or don't want to pay it / declare any mods, they don't deserve to have it!!!

but insurance is very steep anyway without declaring mods.

jenks69 said:

If people can't afford the insurance price hike or don't want to pay it / declare any mods, they don't deserve to have it!!!

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I'm all for having insurance all above board but who are insurance companies to decide if people are deserving of having access to things? Having seen that thread with the totalled Enzo it shows that even if you have the money to insure these things it doesn't make you a good driver.

:yeahthat:

Jenks, Please don't say things like:

jenks69 said:

If people can't afford the insurance price hike or don't want to pay it / declare any mods, they don't deserve to have it!!!

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Comments like these really upset me and you are no one to say what other people deserve or do not deserve.

If I took over this country and said that everyone with your first name had to leave the country because I didn't like your name how would you feel when you spoke to someone and they turned around and said to you "You don't deserve to be here" or "You don't belong here" all because of one man who is no greater then yourself?

Just like women don't deserve cheaper car insurace... they still get it, doesn't mean its right.

Think before you blurt words out in future.

An induction Kit that in most cases does nothin except go Grrrrr when you put your foot down should not contribute in anyway to voiding someones insurance just like Hub Caps and L.E.D indicators.

Its plain taking the **** and we all know how I like fire and burning things!

I'd give advice to people who consider not declaring mods but I know it would just cause an argument with certain 2 shoes's on here so I'll refrain + my advice would probably be "moderated"

Hellcat said:

I'm all for having insurance all above board but who are insurance companies to decide if people are deserving of having access to things? Having seen that thread with the totalled Enzo it shows that even if you have the money to insure these things it doesn't make you a good driver.

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Its the law - if you break the law you must be prepared for the consequences. The old saying "don't do the crime if you can't pay the time" springs to mind.

Trancendental said:

:yeahthat:

Jenks, Please don't say things like:


Comments like these really upset me and you are no one to say what other people deserve or do not deserve.

If I took over this country and said that everyone with your first name had to leave the country because I didn't like your name how would you feel when you spoke to someone and they turned around and said to you "You don't deserve to be here" or "You don't belong here" all because of one man who is no greater then yourself?

Just like women don't deserve cheaper car insurace... they still get it, doesn't mean its right.

Think before you blurt words out in future.

An induction Kit that in most cases does nothin except go Grrrrr when you put your foot down should not contribute in anyway to voiding someones insurance just like Hub Caps and L.E.D indicators.

Its plain taking the **** and we all know how I like fire and burning things!

I'd give advice to people who consider not declaring mods but I know it would just cause an argument with certain 2 shoes's on here so I'll refrain + my advice would probably be "moderated"

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I did and allways do think before I post, I don't just blurt out words. I am not trying to dictate anything to anyone, I am sorry if I have upset you, my post wasnt intended to upset or affend anyone, they are my opinions. However as I have already said it's the law! If you kill someone you must be prepared to goto prison, you watch TV with no license and you can expect a fine, drive without correct insurance and you can expect your claim to be invalidated.

My comments with regards to deserving a mod or similar was possibly a bit harsh if taken in the wrong way, to clarify I am not judging who deserves anything, I think we all deserve to have mansions and supercars, but that's not going happen so we must all abide by the law - there will allways be those who do not and they will get their compupance at some point.

Again these are my views and I do not intend to upset or affend, if you are upset or affended I am sorry.

Trancendental said:

:yeahthat:

Jenks, Please don't say things like:


Comments like these really upset me and you are no one to say what other people deserve or do not deserve.

If I took over this country and said that everyone with your first name had to leave the country because I didn't like your name how would you feel when you spoke to someone and they turned around and said to you "You don't deserve to be here" or "You don't belong here" all because of one man who is no greater then yourself?

Just like women don't deserve cheaper car insurace... they still get it, doesn't mean its right.

Think before you blurt words out in future.

An induction Kit that in most cases does nothin except go Grrrrr when you put your foot down should not contribute in anyway to voiding someones insurance just like Hub Caps and L.E.D indicators.

Its plain taking the **** and we all know how I like fire and burning things!

I'd give advice to people who consider not declaring mods but I know it would just cause an argument with certain 2 shoes's on here so I'll refrain + my advice would probably be "moderated"

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Maybe Jenks could have worded his reply in a slightly more better way, but its true - the insurance cost of the mods has to be factored into the budget. Whatever way you look at it, whatever your take on insurance etc., this is a cold, hard fact. If the insurance company can find a reason to invalidate your policy, then they are bound to invalidate it, as Pete's mate found out. Lets face it, there may have been a chance of him being brought before a magsitrate for driving while technically uninsured.
I know you had a bad experience with an insurance company, Trance, but the law is the law. Might not agree with it, but as you said, 'one man who is no greater then yourself'. Every civilian person in the UK is governed by the same laws. No exception.
Noone likes paying insurance. Noone likes paying the bills. But it still has to be done. In life, you have to do some things you don't want to.

Oh, and Trance? Have you considered the fact that your replies may be 'moderated' as the 'advice' you could give could well be illegal and telling people how to break the law, and encouraging them to break the law?

chaos said:

. Lets face it, there may have been a chance of him being brought before a magsitrate for driving while technically uninsured.

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You not read my reply?

They don't give two sh!ts in all honesty!!!

It is a real grey area where insurance is concerned and to be honest if there is any doubt as to it being your fault ,i.e. you insurance company paying out they will use mods as a way of getting out of paying, but then they will use any excuse to get out of paying. A few years ago when I got my first R5GTT I didn't declare anything on it, and a boy ran into back of me, there was no doubt it was his fault, he admitted liability straight away, and even though an insurance inspector came out and examined my car (cat D right off, uneconomical to repair) he said nothing to the MOMO steering wheel, induction kit, full s/s exhaust, lowered suspension, strut bar and a few other things, got full pay out for car no quibble, and I got to keep it for nothing as I found out if its not your fault the other insurance company have no claim to your vehicle, so took what i wanted from it and sold off the car still running and perfectly drivable for £500.

TBH the only reason I declare things now is to ensure that I get the full agreed value of my car if it gets written off, not because I feel morally obliged to do it.

Aaron.

J333EVO said:

TBH the only reason I declare things now is to ensure that I get the full agreed value of my car if it gets written off, not because I feel morally obliged to do it.

Aaron.

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Yep so true

It is a real grey area where insurance is concerned and to be honest if there is any doubt as to it being your fault ,i.e. you insurance company paying out they will use mods as a way of getting out of paying, but then they will use any excuse to get out of paying.

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not always true though. when viv wrote off his first smart car, it was def his fault - no other car involved, he just lost control on a corner. The insurance company then told him where the car was and we went and stripped off the 17" wheels, k&n, air and intercooler scoops, dump valve, boost gauge, TCS/g-force switches. We were doing this as the insurance assesor arrived. We asked if he minded us stripping bits off the car and he said "Nope, so long as it looks standard and has 4 wheels back on it - there's no problem"

None of the mods were declared, he could've used anyone to void the policy and save the insurers a £3000 payout for the car, plus the hire car costs, towing etc

arc said:

not always true though. when viv wrote off his first smart car, it was def his fault - no other car involved, he just lost control on a corner. The insurance company then told him where the car was and we went and stripped off the 17" wheels, k&n, air and intercooler scoops, dump valve, boost gauge, TCS/g-force switches. We were doing this as the insurance assesor arrived. We asked if he minded us stripping bits off the car and he said "Nope, so long as it looks standard and has 4 wheels back on it - there's no problem"

None of the mods were declared, he could've used anyone to void the policy and save the insurers a £3000 payout for the car, plus the hire car costs, towing etc

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funny you say that Arc as when the red Cinq was written off Cat B mechanial failure, the assesor actually said to me that I had better take as much stuff of the car as I could with a value as I had to get it crushed so as to make myself a few bob from it, his words not mine, and that had a fair few things not declared as hadn't got round to it as its a pain with every single change, as I change things pretty regularly, so wait till its something worthwhile to tell them about if i think it will affect the overall value.

Thing is though i do advocate getting yourself covered properly as it saves any hassle in the end should the insurers look for a get out clause.

for young drivers like myself this is such a pain in the ass, if i was to declare mods on my policy which already costs £1368 then it will go up to stupid prices, i dont give a crap about insurance paying out for my car to be honest thats why i'm TPFT, i just want the persons car who i may or may not hit to be fixed i dont car if my cars worth £5k or £10 i just dont want to pay soo much more to have my car covered.... why cant the insurance just look at it like this!

jamie86 said:

You not read my reply?

They don't give two sh!ts in all honesty!!!

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Hence me saying there may be a chance; may be a different story in a different area...............

bulldog5046 said:

for young drivers like myself this is such a pain in the ass, if i was to declare mods on my policy which already costs £1368 then it will go up to stupid prices, i dont give a crap about insurance paying out for my car to be honest thats why i'm TPFT, i just want the persons car who i may or may not hit to be fixed i dont car if my cars worth £5k or £10 i just dont want to pay soo much more to have my car covered.... why cant the insurance just look at it like this!

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Insurance companies are businesses. Simple. Idea of a business is to make as much money and profit as possible.

If you hit someone Ryan, and permanently injured them, it would require a fairly substantial payment for lifetime care/compensation from your insurance co. They obviously are going to want to make sure that everything is in order and totally 'above board', i.e. everything on the car is exactly the same as on the certificate. If they can find a legitimate way to stop a loss in profit, then, in a business sense, it would be pretty foolhardy not to take it.

chaos said:

Hence me saying there may be a chance; may be a different story in a different area...............

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Ahh ok guess i'll let you off then

J333EVO said:

funny you say that Arc as when the red Cinq was written off Cat B mechanial failure, the assesor actually said to me that I had better take as much stuff of the car as I could with a value as I had to get it crushed so as to make myself a few bob from it, his words not mine, and that had a fair few things not declared as hadn't got round to it as its a pain with every single change, as I change things pretty regularly, so wait till its something worthwhile to tell them about if i think it will affect the overall value.

Thing is though i do advocate getting yourself covered properly as it saves any hassle in the end should the insurers look for a get out clause.

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Did the assessor notice the undeclared stuff Aaron?

bulldog5046 said:

........... thats why i'm TPFT, i just want the persons car who i may or may not hit to be fixed i dont car if my cars worth £5k or £10 i just dont want to pay soo much more to have my car covered.... why cant the insurance just look at it like this!

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You do realise that if you have undeclared mods, you're not insured, yeah?

So if you're not insured, who pays for the repairs to the other car you hit?

Insurance is higher for younger drivers as you're statistically more likely to have an accident.