Undisclosed modifications
#1
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Undisclosed modifications
As per title i've been a bit naughty my car is in the body shop for some repairs due to vandalism. Hands up I never bothered to tell my insurance I changed my wheels, fitted coilovers and induction kit etc
Bodyshop called me up said they have to give me the car back and not complete the work ( I'm guessing the told my insurers its modified) called up my insurance Co and they say the underwriters are going to contact me and the claim has been made "pending".
I know it is all my fault I didn't tell them, but my car was only in for body repair as I am a victim of a crime can anybody kind of give me some advice as to what they think will happen?
Thanks
Tom
Bodyshop called me up said they have to give me the car back and not complete the work ( I'm guessing the told my insurers its modified) called up my insurance Co and they say the underwriters are going to contact me and the claim has been made "pending".
I know it is all my fault I didn't tell them, but my car was only in for body repair as I am a victim of a crime can anybody kind of give me some advice as to what they think will happen?
Thanks
Tom
#2
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cancelled insurance (so you wont get the rapair done) and you will be reported to the police for no insurance.
At a guess, will mean insurance doesnt have to pay out so saves them money.
Unless your very lucky and they accept what you say
At a guess, will mean insurance doesnt have to pay out so saves them money.
Unless your very lucky and they accept what you say
#3
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tell them you bought it like it, if it's a jap import even better just say it must of come over from japan like it all those mods make no difference to the vandalism, even if you had a crash they would have to prove the mods made it significantly faster, therefore rendering your insurance nil and void, and the best laugh is that most aftermarket parts are cheeper than oe in the event of a claim
#6
They shaft you either way!
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#8
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My last hawk was written off by insurers. They inspected the car and I was worried as I had a few undeclared modifications and they didn't say anything and sent me a chequer within days.
Car was insured with elephant.
Car was insured with elephant.
#9
#10
To the OP - it depends on your insurers.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
#12
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Insurance are robbers. They rob from us, and each other, then put the cost of insurance up because of all the work involved with robbing from us and each other.
Talking out of experience, not about the OP's case.
Talking out of experience, not about the OP's case.
#14
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To the OP - it depends on your insurers.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
Either way it's a lesson learnt but at least you'll know for the future
#16
Some mainstream insurers might get funny, but my own experience with the insurers we deal with is fine.
They don't always get it right straight away, but that's why us brokers are here to help if there are any issues.
The only claims i've ever seen thrown out are for genuine reasons.
It's very easy to blame the insurers... but sometimes you have to look further and see why there are issues.
Like in this case, where the OP has failed to disclose his mods.
They don't always get it right straight away, but that's why us brokers are here to help if there are any issues.
The only claims i've ever seen thrown out are for genuine reasons.
It's very easy to blame the insurers... but sometimes you have to look further and see why there are issues.
Like in this case, where the OP has failed to disclose his mods.
#17
who told ya insurance about the mods???? if it was the paintshop, go and see them and tell em to say they made a mistake, surly they want the work or maybe not. if the insurance company sent there own mr man out then tell paintshop to say they had just fitted the parts as it was getting painted, you just havent had time to phone insurance. just tell em it was standered at time of accident parts have been fitted since. job done.
#18
who told ya insurance about the mods???? if it was the paintshop, go and see them and tell em to say they made a mistake, surly they want the work or maybe not. if the insurance company sent there own mr man out then tell paintshop to say they had just fitted the parts as it was getting painted, you just havent had time to phone insurance. just tell em it was standered at time of accident parts have been fitted since. job done.
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#23
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To the OP - it depends on your insurers.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
Some might say they'd have charged £x for the mods being on the car, and get you to pay that additional premium before they authorise to repairs.
Other insurers may void your policy, so you'd be a bit screwed.
All you can do is keep your fingers crossed, hope for the best, and learn from it.
Oh and I've no issue with the vandalism it is going to court and he's screwed, it was all on CCTV.
Thank for your advice, I may soon be after a quote lol
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