AlanJ said:
It's not a case of wriggling out of a claim but potentially reducing the final settlement due to a fault by the owner of failing to notify a modification. Insurance policies are based on a calculated risk - vary that risk during the life of the policy and then the problems start.
This whole idea just irritates me hugely.
Notifying them you've changed tyres to non-runflat will not change the cost of your policy (I'm fairly sure this assumption is correct, but please correct me if I'm wrong).
Therefore, having failed to notify them of a change which does not affect the policy is not a reason for them to amend the claim whatsoever. If they tried it, there's no way a solicitor would let them get away with it, it's ludicrous and easily proven in retrospect.
Why should you spend 40 minutes on an 0870 number to inform the insurance company of something which makes a miniscule amount of difference, it's ludicrous! Even more ludicrous, ask them to send out an updated insurance schedule with the new details on it (which it won't have anyway as it'll be a standard letter) and they'll either not do it, or will want to charge you for the privilege.
Furthermore, you've no way of proving you notified them of the change, nor have they any way of proving you didn't notify them of the change (trust me, I've been here and done this and I did not end up paying the money they attempted to screw out of me!).
Seriously, we need to grow some nuts when it comes to dealing with racketeers like insurance companies, we've been shafted for far too long now. :fuelfire:
