L
Lozz
Guest
well said
Currently reading:
****ing bastards
S
Steve
Guest
If you read the whole thread.... it's insured seconrd party fire and feft.
Innit, like, wikkid, sorted, booyaka.
Innit, like, wikkid, sorted, booyaka.
B
Bahney
Guest
what a ****, u are on here calling someone else a "***ing Bastards" for dinting your car and not telling you? if you pranged my car i would be calling u exactly the same thing for not being insured and sueing your ass as well as making sure you got banned for not being insured.
just because you are tpf+t doesent mean you can mod the car to your hearts desire, u complete tool, just a quick add up of the insurance i have paid £4008 and i am just 22 and been insured for 4 years! averageing a grand for insurance per year! with ALL MODS declaired. i have 4yrs ncb and a clean licence, it is idiots like you that are raising MY premium! you claim you are a safe driver, don't drive like an idiot well maybe thats true maybe it isnt but paying £1800 for the pleasure of not being insured isnt the work of a genious now is it.
so you coming on here having a go at someone else doesent cut it with me mate, and if you don't believe me give your insurance company a call ask them! "excuse me will my tpf+t premium increase if i modify my car? and will it invalidate my insurace?" and wait for the "well duh!" on the other end!
i will just climb down from my soap box, but people like u are whats wrong with "young drivers" or "boy racers" and the reason i detest being branded either.
just because you are tpf+t doesent mean you can mod the car to your hearts desire, u complete tool, just a quick add up of the insurance i have paid £4008 and i am just 22 and been insured for 4 years! averageing a grand for insurance per year! with ALL MODS declaired. i have 4yrs ncb and a clean licence, it is idiots like you that are raising MY premium! you claim you are a safe driver, don't drive like an idiot well maybe thats true maybe it isnt but paying £1800 for the pleasure of not being insured isnt the work of a genious now is it.
so you coming on here having a go at someone else doesent cut it with me mate, and if you don't believe me give your insurance company a call ask them! "excuse me will my tpf+t premium increase if i modify my car? and will it invalidate my insurace?" and wait for the "well duh!" on the other end!
i will just climb down from my soap box, but people like u are whats wrong with "young drivers" or "boy racers" and the reason i detest being branded either.
S
Sabre 23
Guest
Pay attention, FFS!!
The car IS insured, but only TPFT(F?
)
It is not fully comp due to the high premium because of the mods.
£1,800 TPFT! Jesus H Christ!!
Mark.
Council estate lad.
And proud of it!
Member of the Guild of Experienced Motorists.
The car IS insured, but only TPFT(F?
)It is not fully comp due to the high premium because of the mods.
£1,800 TPFT! Jesus H Christ!!
Mark.
Council estate lad.
And proud of it!
Member of the Guild of Experienced Motorists.
P
paul hogg
Guest
even if you weren't insured at all cctv evidence will allow the police to pursue the person who caused the damage, and only their insurance company will be liable. if its not your fault there will be no claim on your insurance and so no-one from your insurance company will see the car or even care who's fixing it. i've had a undeclared modified car fixed by someone elses insurance company without any problems in the past, and i know others who have too. the other persons insurance company would never contact your company to check if you have declared mods. they argue about blame and value, not policy details.
in fact i just remembered a lad who had a car declared sorn with no tax test or insurance, but he still got a write off payout when someone reversed into his car. so get the cctv video and call the police.
in fact i just remembered a lad who had a car declared sorn with no tax test or insurance, but he still got a write off payout when someone reversed into his car. so get the cctv video and call the police.
A
Anonymous
Guest
thanku, the only problem is, the cctv tapes are only kept a month, it was about 6 weeks ago now so theres nothing i can do, and like every one has stated i am to blame and its my fault, i am currently waiting for a quote from adrian flux as 3rd party all mods in, but can anyone else suggest any gud companys?i no that i am doing wrong, but i am going to fix it, not matta wat cost
P
Paul
Guest
Sabre 23
You are wrong.
Even though he has paid for 3rd party fire and theft. If he made a claim with his insurance company and they found out he has loads of undeclared mods, then his insurance is NOT VALID
This is a standard clause in all insurances for not even cars but also houses, boats, life insurances etc.
It will say in his insurance details that all particulars MUST be declared or it will render the insurance invalid. (have a look at your policy, it will be in there)
What most people on here seem to be moaning about, is that with his current situation, if he hit or injured anybody else then his insurance company will not want to know because he hasnt declared everything that has been asked. And that would leave the injured party up **** creek without the paddle.
You are wrong.
Even though he has paid for 3rd party fire and theft. If he made a claim with his insurance company and they found out he has loads of undeclared mods, then his insurance is NOT VALID
This is a standard clause in all insurances for not even cars but also houses, boats, life insurances etc.
It will say in his insurance details that all particulars MUST be declared or it will render the insurance invalid. (have a look at your policy, it will be in there)
What most people on here seem to be moaning about, is that with his current situation, if he hit or injured anybody else then his insurance company will not want to know because he hasnt declared everything that has been asked. And that would leave the injured party up **** creek without the paddle.
B
beeson100
Guest
I know it's easy to say but you've just got to wait until your 21 at least until you can add mods to your car, just like everyone else has to. To get insured on my 1.6 it would've cost me £2000 3rd party in my own name when i first passed. Now i'm 21 it's just £1000 fully comp with mods declared. It's the same with everything, being 16 and wanting to go down the pub for example, you just can't do it. Try getting the car insured in your parents name or something if they're willing to do it. Even if you get them insured on your own policy it goes down a bit i think. Mine only cost me £380 in my dads name
John
John
A
Anonymous
Guest
well, my 2nd years insurance is due in 2 days, and at the moment it has gone down to £930 (as of quote i recieved) but since i recieved that quote i have been phoning around for FULLY COMP insurance, bt they wont do that, so i thort theres no point declaring the mods, but after hearing the points and issues made in this thread, it makes me realise that i definately should get it done, hence why i am getting a quote from adrian flux (still ant emailed me a price) and not only will i be covered for all my parts if someone crashes into me, it will insure a payout for any one i may me unlucky enough to crash into,
so ive learnt from my mistakes, so can someone please help me rectify them by telling me a good insurance company for this type of cover??
so ive learnt from my mistakes, so can someone please help me rectify them by telling me a good insurance company for this type of cover??
S
Sabre 23
Guest
Whoops, I missed
like i said, mods are uninsured so thers nowt i can do!
Apologies to all re "Pay attention FFS!"
It is me apparently, who should pay attention.
Alzheimers, probably.
Mark.
Council estate lad.
And proud of it!
Member of the Guild of Experienced Motorists.
like i said, mods are uninsured so thers nowt i can do!
Apologies to all re "Pay attention FFS!"
It is me apparently, who should pay attention.
Alzheimers, probably.
Mark.
Council estate lad.
And proud of it!
Member of the Guild of Experienced Motorists.
R
Roberto
Guest
Probably ?
Rob
Rob
A
Anonymous
Guest
take the mods off and claim lol joking.... i understand that your only 18 and its a high price to pay for mods etc...maybe you should of thought about getting a smaller engine car and declare the mods keep it for a yr 2years then get a better car.
My first car was a punto and i delcared all mods which was £15 extra for each mod added to my insurance.
Obviously theres not much you can do but try and learn from your lesson.. im not having a dig or calling you a ****...theres alot of people that don't declare mods as the insurance company try and take as much money as possible from young people... try and learn from your mistakes and sort out a better insurance if you can and actually the other person was a ****ing bastard for denting your car anwyay i bet they wasnt even insured.
My first car was a punto and i delcared all mods which was £15 extra for each mod added to my insurance.
Obviously theres not much you can do but try and learn from your lesson.. im not having a dig or calling you a ****...theres alot of people that don't declare mods as the insurance company try and take as much money as possible from young people... try and learn from your mistakes and sort out a better insurance if you can and actually the other person was a ****ing bastard for denting your car anwyay i bet they wasnt even insured.
A
Anonymous
Guest
Insurance contracts are uberrimae fidei contracts which means they are based on utmost good faith.
They are voidable which means the contract is valid until such time as either party, generally the insured breaches it. All insurance contracts make clear to prospective and existing policyholders that where the policy holder is uncertain as to whether something qualifies as a material fact on which cover is based, they should consult with their insurer or broker.
How can an insurer be liable for an inreased risk he is unaware of at the outset of the policy? Where this happens the insurer has a right to terminate the contract ceasing to indemnify the policy holder against any claims against him which means the policy holder becomes PERSONALLY liable.
Despite the confusion, I think in this instance, the 18yr old has declared his modifcations but can only get inusrance on a TPFT basis as opposed to a fully comp basis. If this is not the case, as he has NOT declared his mods, then in the event of a claim where his vehicle were inspected and found to be at fault, then he might be looking at his insurer withdrawing cover for they would be perfectly entitled to do as explained above. He would then be personally liable to any claimants which could mean he would be unable to meet the liability resulting most certainly in bankruptcy. It happens. Criminal prosectution might also follow if death or serious injury were involved.
Starting out on the road is difficult for young drivers. For those of us a little older and wiser we should be a little more temperate and supportive toward the younger members of the fourm, trying to guide and assist those who might otherwise be an accident waiting to happen or skating on thin ice so to speak, not suggesting of course that this 18yr old is such a case. We were all young once, impetuous and impatient.
My advice to you would be to try to reduce your insurance costs, not to increase them by modifying your car. Get a cheap, reliable, economical car for £200 (yes you can get them even for £100 with MOT and tax), run it for two years, build up some no claims and then get the car whose picture hangs on your bedroom wall. You won't be too broken hearted or financially worse off it is damaged or totalled.
Once you get a good few years no claims, your premiums will tumble.
I now insure 3 cars for £510.00 fully comp with a £100 excess, unlimited mileage and no they aren't worthless basket cases.
I think a parent would have to be very generous to put you on their insurance as in the event of a claim it would be a blot on their insurance record as the policyholder. Anyway most policies are named drivers only and those under 21/25 who want to drive will have special terms imposed on them. But that has always been the way. It was the same when I was 17yrs an age ago.
Perhaps you could put up posters appealing for anyone who witnessed the damage to your car to come forward? It's worth a try. If the damage was as substantial as you imply someone must have seen it? The other vehicle must have been damaged as well? It is an offence for some one to drive off from the scene of an accident without giving their details to anyone who legitimately requires them. If you can't trace the offending vehicle and driver then unfortunately that is one of life's cruel lessons. **** happens as they say.
Drive carefully.
Andy
They are voidable which means the contract is valid until such time as either party, generally the insured breaches it. All insurance contracts make clear to prospective and existing policyholders that where the policy holder is uncertain as to whether something qualifies as a material fact on which cover is based, they should consult with their insurer or broker.
How can an insurer be liable for an inreased risk he is unaware of at the outset of the policy? Where this happens the insurer has a right to terminate the contract ceasing to indemnify the policy holder against any claims against him which means the policy holder becomes PERSONALLY liable.
Despite the confusion, I think in this instance, the 18yr old has declared his modifcations but can only get inusrance on a TPFT basis as opposed to a fully comp basis. If this is not the case, as he has NOT declared his mods, then in the event of a claim where his vehicle were inspected and found to be at fault, then he might be looking at his insurer withdrawing cover for they would be perfectly entitled to do as explained above. He would then be personally liable to any claimants which could mean he would be unable to meet the liability resulting most certainly in bankruptcy. It happens. Criminal prosectution might also follow if death or serious injury were involved.
Starting out on the road is difficult for young drivers. For those of us a little older and wiser we should be a little more temperate and supportive toward the younger members of the fourm, trying to guide and assist those who might otherwise be an accident waiting to happen or skating on thin ice so to speak, not suggesting of course that this 18yr old is such a case. We were all young once, impetuous and impatient.
My advice to you would be to try to reduce your insurance costs, not to increase them by modifying your car. Get a cheap, reliable, economical car for £200 (yes you can get them even for £100 with MOT and tax), run it for two years, build up some no claims and then get the car whose picture hangs on your bedroom wall. You won't be too broken hearted or financially worse off it is damaged or totalled.
Once you get a good few years no claims, your premiums will tumble.
I now insure 3 cars for £510.00 fully comp with a £100 excess, unlimited mileage and no they aren't worthless basket cases.
I think a parent would have to be very generous to put you on their insurance as in the event of a claim it would be a blot on their insurance record as the policyholder. Anyway most policies are named drivers only and those under 21/25 who want to drive will have special terms imposed on them. But that has always been the way. It was the same when I was 17yrs an age ago.
Perhaps you could put up posters appealing for anyone who witnessed the damage to your car to come forward? It's worth a try. If the damage was as substantial as you imply someone must have seen it? The other vehicle must have been damaged as well? It is an offence for some one to drive off from the scene of an accident without giving their details to anyone who legitimately requires them. If you can't trace the offending vehicle and driver then unfortunately that is one of life's cruel lessons. **** happens as they say.
Drive carefully.
Andy
G
G Spag
Guest
That's the most understanding response so far!
However, in the eyes of the law, theres no excuse for naivety and ignorance.
I'm 18 and I know that driving around having given my insurance company false information is just idiotic.
I'm aboslutely livid having read this as it's because people like this that cost me £1800 on an unmodded 1.1 Seicento Sporting, TPFT with pass plus. I got the Sei because my bro needed to get rid of it as he got a Golf, and at £1k it was a bargain.
Now, if you thought my insurance was high enough on that, you can imagine the quotes I've been getting on a 1.2 Bravo, with 2 claims going through. I was not to blame for either; the second claim was because it was stolen and written off.
Ok you could argue there are cheaper cars to insure than a Bravo, however for £3k, there are few safer cars to buy that are not targets for theives.
I've worked and studied hard (As everyone else has!) to be able to afford such a thing as a car, rather than rely on the unreliable services of public transport, or my parents for that matter (funding included).
I, and many other youngsters are paying the price for people like that. It's maddness that people at 18 think they can mod a car and get away with not declaring. If you can't get insured with em on, take em off. If you can't do that, sell it. No excuse to drive without proper insurance.
Pretty much everyone has door knocks on their car, and yet very few claim as the damage is not that significant to go through all that pain.
Get over it
However, in the eyes of the law, theres no excuse for naivety and ignorance.
I'm 18 and I know that driving around having given my insurance company false information is just idiotic.
I'm aboslutely livid having read this as it's because people like this that cost me £1800 on an unmodded 1.1 Seicento Sporting, TPFT with pass plus. I got the Sei because my bro needed to get rid of it as he got a Golf, and at £1k it was a bargain.
Now, if you thought my insurance was high enough on that, you can imagine the quotes I've been getting on a 1.2 Bravo, with 2 claims going through. I was not to blame for either; the second claim was because it was stolen and written off.
Ok you could argue there are cheaper cars to insure than a Bravo, however for £3k, there are few safer cars to buy that are not targets for theives.
I've worked and studied hard (As everyone else has!) to be able to afford such a thing as a car, rather than rely on the unreliable services of public transport, or my parents for that matter (funding included).
I, and many other youngsters are paying the price for people like that. It's maddness that people at 18 think they can mod a car and get away with not declaring. If you can't get insured with em on, take em off. If you can't do that, sell it. No excuse to drive without proper insurance.
Pretty much everyone has door knocks on their car, and yet very few claim as the damage is not that significant to go through all that pain.
Get over it
A
Anonymous
Guest
i am over it m8, thats why i dint do ne thing about it, i just thought id inform him that i have had the same problem, but wishing i hant now, and yes i am sorting the problem, insure it or sell it
G
G Spag
Guest
Yeah, weren't the smartist thing to do.
Fed up of hearing people going 'I'm 18 and can't insure my modded car'. If you can't afford it, ask someone with experience if they'd allow you to go on theirs. Better yet, get a moped. They're only unsafe if you overtake. Personally I'd never own one, I detest most moped users, but they are a great from of transport should you need it.
Fed up of hearing people going 'I'm 18 and can't insure my modded car'. If you can't afford it, ask someone with experience if they'd allow you to go on theirs. Better yet, get a moped. They're only unsafe if you overtake. Personally I'd never own one, I detest most moped users, but they are a great from of transport should you need it.
A
Anonymous
Guest
Forgot to add that insurance companies share every bit of information they get to prevent fraud, etc.
Andy
Andy
Z
Zenith
Guest
Actually even if an insurance company voids a policy, e.g. because of undeclared mods, you are still covered TP against any crashes. I.e. the person you crash into won't lose out. Insurance companies are required by law to do this afaik.
It only really hurts the OP because he won't be covered at all for his financial loss.
My Member Page
It only really hurts the OP because he won't be covered at all for his financial loss.
My Member Page
F
Fergie
Guest
just stating that little daft niggly arguments are becoming a regular occurence on here and it puts me off bothering to read any posts,about 40% of the posts ive read this morning have ended in petty squabbling, this is meant to be a helpful forum,if someones done something daft it only takes one person to tell them so, and they probably know themselves anyway that they have been daft, will any of you admit to just coming on the forum to look for things to moan about in other peoples posts? im sure there are afew
M
Mike
Guest
I've got a lovely bunch of coconuts.