The Zohan

One of those pub debates that i thought someone may be able to clarify.

Assuming you have brought a car that has been modified and you are unaware of the mods and insure it (fully comp) as the std model - what would happen if you where involved in an accident / car stolen / whatever, would you be covered for the claim?

JW390898

No its your responsability to enure all information given is correct. No real ways round declaring my firend other than to lie and get lucky - with scoobys youll do well to even embroider the truth and get away with it s i cant imgaine any assessor wouldnt look for performance mods.

The Zohan

This camr about as a result of me chipping my last car (A Vectra) which went to the auction.

Yes it would be difficult to check as they reprogrammed the original chip although not impossible.

Where do you draw the line - upgrading brakes/ brake pads, are better/upgarded pads classed a a performance mod?
Bumpsteer - is this a performance mod?

Thanks

Paul

kav

I reckon if there's doubt in your mind, there's no doubt - declare everything and let the insurance company pick the bones out. It's not a question of what you can get away with because it's only the insured who stands to lose come claim time.

As to your original point, I know ignorance is no excuse but I would feel very hard done by if I came clean about known mods, didn't declare any 'invisible' ones and had insurance subsequently revoked in the event of a claim.

Cheers
Kav

Ian Griffiths

Hi all, I've bought a particularly quick Vectra and I'm wondering... (joke)

I told my insurance company when I painted a few bits up body colour and got laughed at. They'll make their own decisions about what mods they consider performance enhancing (or perhaps not in the case of my paint).

Technically yeah, I'd have said even brake pads. I'm not too technically proficient in this area but I'd assume there are some sort of heat and wear tolerances which you exploit - outside of the manufacturers recommendations.

Whether that would push it up a group of course...

pslewis

The mods do not have to be performance enhancing to increase the exposure risk the underwriters are taking.

A new set of alloys may make the car more nickable - although fitting Gold Wheels will make it much less valuable and a lot less desirable (Not many butch thugs want to be seen on a set of Golds!!)

Even body colour coding the bits and bobs changes the risk

Those with Gold Wheels - no need to declare the dice and handbags!!

Pete

Leigh

Everyone should take notice of Pete Lewis, because he drives an Escort Cabriolet... *snigger* ... so obviously his opinion counts for ****...

Ian Griffiths

Yeah Pete, I knew the paint wasnt performance enhancing Maybe I should have phrased it better and just had your line about increasing risk.

Even thought colour coding the bits changes the risk, they obviously didn't consider it enough of a change to even bother making a note of it.

I reckon its a case of 'have them decide'

scoobycar60

Good point Pete, I'm pleased you could help with your first hand knowledge on insuring dice and handbags,your intimate knowledge of "butch" desire is maybe perculiar to you but may have a minority interest here. I doubt many here have this sort of detailed information to hand.
Thanks again for your contribution.

fast bloke

ROTFLMAO at Scoobycar60. Pete does have a point, but as usualy his personal hangups get in the way of any constructive information which he may have to offer.

Pete, where do you hang the dice on the dustbin?

bob

Is his 3 months up already.