re : your thoughts please

H

hesios

Member
i just knew last week that i have to notify my insurance company about any modification done to my car such as MUFFLERS, HID, EVEN WHEELS. but not going to NON RFTs ?

you gotta be kidding me hahaha
i wouldn't really mind, but are there really chances /situations in normal-accidents that insurance company might decline the claim?
i never thought this was something really serious

but you guys are scaring me now.
i am not planning to notify anything about any mods that i have done in my car and see higher numbers in my bill.
however is there any chance that insurance company may start biting on my ass to chase me away later when accidents happen?

i want some thoughts, answers according to possible situation that can happen :) THANKS
 
You've got to learn only one thing about insurance companies and that is they are there to look after themselves, they are theiving, money grabbing, moral less business' with a sole intrest in protecting their own assets.

If they can find any way whatsoever to get out of paying you or a third party £X thousands of pounds in a claim then they will sell their own grand mothers to do so regardless of how trivial you think the information you have witheld is.

Dont give them the space to breath when it comes to a claim and close all doors firmly behind you, leave no loopholes unclosed, tell them everything about your car and if they put the prices up excessevly then change insurer to one that doesn't.
 
Experiences of many on the forum here are than insurance companies don't make any extra charge for non-RFTs anyway. I told mine, they've noted it on my record (apparently), but no extra cost.

Not worth the risk as they'll use anything they can to wriggle out of claims...
 
what they said.

If its a moderate accident and the circumstances are irrelevant, frankly the insurer is unlikely to bother checking, especially in these days of fast-tracking claims, but if its an odd kind of accident (e.g. you lost control on a good road in good conditions for no apparent reason and totalled the car), expensive claim or you have a 'history', they might well.

If you bought s/h and you have non-RFTs I suppose you could always plead ignorance and claim they were already on there - who can prove otherwise? But as always, its a matter of risk assessment/management isn't it.

Fact is you'd probably need to go to court with specialist witnesses and the like to refute any claims that tyres were to blame, and that would be costly and risky.

As has been said, the insurance industry has it all its own way - I mean how could they legitimately refuse an accident claim because you had fitted alloy wheels say? Obviously such action increases the chances of theft and the potential value of a claim, but it clearly doesn't impact driveability does it?

I suspect as always theres an element of unwarranted scaremongering around the whole issue, with second and third hand horror stories, but sometimes its worth swallowing any cost (not that there appears to be on here in most cases?).

As my SIL always says (and its relative!) if a problem can be fixed with money, then it isn't a problem.... :thumbsup:
 
I am still not sure if this is an Internet Myth or a fact though. There are all these stories about a friend of a friend on the internet that had his claim denied etc.

Does anyone really know if that ever happened rather then hearsay? From all of those that I know that had modifications (non declared) and had claims, I never heard of any problems with the claims (fault or no fault).

Perhaps the internet stories are mostly about the Barry boys that declare a standard Saxo 1.0 or so.
 
I've always declared all my mods anyway, so have never been in the situation where I needed to worry about making a claim. However, when I had my last accident (swerved to avoid a muppet who came out of a side road without looking, didn't stop and left me with a busted tyre, wheel and electonic damper) the 'engineer' who came to assess the damage only opened the engine bay, removed the air filter housing and checked the tyre tread. Not once did he 'assess' anything, he was purely looking for something else to blame the accident on.

Even after the repair was authorised I was still stung as the garage doing the repair put the claim in for both dampers (supposed to be replaced in pairs) but the insurance company would only pay half the cost and would also not pay for the bushes that had to be replaced at the same time.

In the end, what should have been a £5000 insurance claim ended up being a £2000 claim with me picking up the balance.
 
Car passes MOT, tyres are to spec, just they are missing a 'feature'

I've only heard of insurers adding note at no extra cost.

I've not heard of claims being rejected.

Any insurer that cares when asked, should simply not be used.

Dave
 
My insurer wanted another £19.00 after I changed to non-runflats :o
 
lacroupade said:
mmm-five and kryton.....how about naming and shaming the insurers in question, as this is useful feedback? cheers
Click to expand...

Mine was with Adrian Flux, but that was a long time ago so I can't really say how they'd perform now.
 
mmm-five said:
removed the air filter housing and checked the tyre tread.
Click to expand...

I understand the tyres, but what is up with looking in the air filter housing?
 
pvr said:
mmm-five said:
removed the air filter housing and checked the tyre tread.
Click to expand...

I understand the tyres, but what is up with looking in the air filter housing?
Click to expand...

No idea, although I did think he was looking for any obvious undeclared engine mods (turbo, supercharger, etc.) and was just starting with the filter housing to see if I'd put a 'performance filter' there - I hadn't!
 
mmm-five said:
pvr said:
mmm-five said:
removed the air filter housing and checked the tyre tread.
Click to expand...

I understand the tyres, but what is up with looking in the air filter housing?
Click to expand...

No idea, although I did think he was looking for any obvious undeclared engine mods (turbo, supercharger, etc.) and was just starting with the filter housing to see if I'd put a 'performance filter' there - I hadn't!
Click to expand...

...which of course is highly pertinent when you've been t-boned while minding your own business - NOT! The little man gets stuffed again :chairfight:
 
Hesios, where are you located? Mandatory Insuring Of aftermarket add ons is insane. non run flats? Your going to get taxed for wanting cheaper tires and the ability to carry a spare?
 
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