modified or not modified? should i tell the truth

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modified or not modified? should i tell the truth #872551 26/07/2009 22:56 26/07/2009 22:56
P panjote Unregistered
panjote Unregistered P	at the moment im with halifac on an unmodified car policy (the guy asked if it's modified and i said tham i'm not aware which was a true at the time) now the question is what would happen if i take the unmodified car policy but the car is modified? any problems you can think of? and what is considered as modification?

Re: modified or not modified? should i tell the truth [Re: ] #872553 26/07/2009 22:57 26/07/2009 22:57
V Vickster Unregistered
Vickster Unregistered V	Yes, you may not be insured if I you give a false statement Any change to factory spec is considered a modification, stainless exhaust, bodykit, different wheels, chip, strutbrace, , even addition of leather interior, uprated stereo etc etc. What has been done to your car?

Re: modified or not modified? should i tell the truth [Re: ] #872729 27/07/2009 12:47 27/07/2009 12:47
Joined: Dec 2005 Posts: 2,330 Leeds phil_20VT Competition Level
phil_20VT Competition Level Joined: Dec 2005 Posts: 2,330 Leeds	Indeed you will not be insured. Get those mods declared before it's too late.

Re: modified or not modified? should i tell the truth [Re: phil_20VT] #872731 27/07/2009 12:55 27/07/2009 12:55
Joined: Jun 2006 Posts: 32,122 Cumbria stan Dr. Frankenstan
stan Dr. Frankenstan Forum Demigod Joined: Jun 2006 Posts: 32,122 Cumbria	One of my colleagues takes great delight in telephoning insurance companies from the roadside to confirm that they are aware of the stainless exhaust, the aftermarket alloy wheels, the strut braces, etc etc and, surprise, surprise, I'd say he has a "hit rate" of around 90% in discovering undeclared modifications. As stated above, this means the insurance company then responding that the car is no longer insured with them and it's then simply a matter of calling in the tow truck........

Re: modified or not modified? should i tell the truth [Re: stan] #872737 27/07/2009 13:01 27/07/2009 13:01
1 124coupe Unregistered
124coupe Unregistered 1	Hope you've declared your BIG wheels Stan

Re: modified or not modified? should i tell the truth [Re: ] #872738 27/07/2009 13:02 27/07/2009 13:02
Joined: Sep 2006 Posts: 8,960 west bromwich C coupedummy Je suis un Coupé
coupedummy Je suis un Coupé C Joined: Sep 2006 Posts: 8,960 west bromwich	what about standard wheels but recoloured?

Re: modified or not modified? should i tell the truth [Re: ] #872739 27/07/2009 13:02 27/07/2009 13:02
Joined: Jun 2006 Posts: 32,122 Cumbria stan Dr. Frankenstan
stan Dr. Frankenstan Forum Demigod Joined: Jun 2006 Posts: 32,122 Cumbria	Yes, and the Cybox, the Flea chip and the leather interior too Doh! I haven't declared the nodding dog though!

Re: modified or not modified? should i tell the truth [Re: stan] #872967 27/07/2009 20:58 27/07/2009 20:58
B Bigtop Unregistered
Bigtop Unregistered B	what i wondered was, if for example you bought a car and it was standard apart from a remap, and you didnt declare it, and you wrote it off or whatever ,how would anyone find out ?

Re: modified or not modified? should i tell the truth [Re: stan] #873033 27/07/2009 22:31 27/07/2009 22:31
B belfastjohn Unregistered
belfastjohn Unregistered B	Originally Posted By: stan One of my colleagues takes great delight in telephoning insurance companies from the roadside to confirm that they are aware of the stainless exhaust, the aftermarket alloy wheels, the strut braces, etc etc and, surprise, surprise, I'd say he has a "hit rate" of around 90% in discovering undeclared modifications. As stated above, this means the insurance company then responding that the car is no longer insured with them and it's then simply a matter of calling in the tow truck........ That's quite an alarm ringer of a tale Stan. But I have to say, 'What a f n jobs-worth

Re: modified or not modified? should i tell the truth [Re: stan] #873050 27/07/2009 23:02 27/07/2009 23:02
Joined: Dec 2005 Posts: 13,200 england C came2dance I AM a Coop
came2dance I AM a Coop C Joined: Dec 2005 Posts: 13,200 england	Originally Posted By: stan Yes, and the Cybox, the Flea chip and the leather interior too Doh! I haven't declared the nodding dog though! Stan One day your wifes gonna kill you www.chrisdoyle-photography.co.uk

Re: modified or not modified? should i tell the truth [Re: ] #873130 28/07/2009 08:43 28/07/2009 08:43
Joined: Jun 2006 Posts: 32,122 Cumbria stan Dr. Frankenstan
stan Dr. Frankenstan Forum Demigod Joined: Jun 2006 Posts: 32,122 Cumbria	Originally Posted By: belfastjohn Originally Posted By: stan One of my colleagues takes great delight in telephoning insurance companies from the roadside to confirm that they are aware of the stainless exhaust, the aftermarket alloy wheels, the strut braces, etc etc and, surprise, surprise, I'd say he has a "hit rate" of around 90% in discovering undeclared modifications. As stated above, this means the insurance company then responding that the car is no longer insured with them and it's then simply a matter of calling in the tow truck........ That's quite an alarm ringer of a tale Stan. But I have to say, 'What a f n jobs-worth Why do you think I called him a "colleague" and not a "friend"? He's one of those people who is always on duty C2D: It's alright, dogs can't read!

Re: modified or not modified? should i tell the truth [Re: stan] #873152 28/07/2009 09:45 28/07/2009 09:45
Joined: Jul 2008 Posts: 150 Weston Super Mare D dbriglee On a journey
dbriglee On a journey D Joined: Jul 2008 Posts: 150 Weston Super Mare	Well.... maybe I was lucky. Had a electric blue plus 20VT which was modified loads!! Intercooler, strut brace, 3' straight exhaust, remapped ecu, uprated turbo. And it got broken into/written off. They didnt ask any questions what so ever and i got the payout from them. Just deny all knowledge of knowing it has been modded if you ask me

Re: modified or not modified? should i tell the truth [Re: dbriglee] #873326 28/07/2009 13:50 28/07/2009 13:50
Joined: Dec 2005 Posts: 2,330 Leeds phil_20VT Competition Level
phil_20VT Competition Level Joined: Dec 2005 Posts: 2,330 Leeds	indeed, playing dumb is the answer

Re: modified or not modified? should i tell the truth [Re: phil_20VT] #873485 28/07/2009 18:41 28/07/2009 18:41
Y Yourwinner Unregistered
Yourwinner Unregistered Y	It is very rare an insurance company will cancel or void a policy for you not mentioning modifications at inception, the same rule applies regarding not mentioning points on licence, extra NCB and undisclosed previous accidents etc. They would usually still deal with your claim but would charge you a higher revised premium based upon what your policy should have cost you if you had told the truth from the start. Hope this helps a bit

Re: modified or not modified? should i tell the truth [Re: ] #873496 28/07/2009 19:32 28/07/2009 19:32
Joined: Dec 2005 Posts: 2,330 Leeds phil_20VT Competition Level
phil_20VT Competition Level Joined: Dec 2005 Posts: 2,330 Leeds	I'd like to add I wasnt being serious. In the blame culture we live in, to me it is very important to ensure I am correctly insured. I understand 90% of people not at blame will make a make a personal injury claim against the party to blame. 2K being a figure paid out even with no real injuries I understand.

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