should you tell your insurance if you change your backbox to an aftermarket backbox?
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05 October 2007, 09:55 PM
#8
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They cant 'invalidate' third party claims, no matter what you are told. They can and will deduct the cost of the extra premium from any settlement made to you though.
06 October 2007, 10:17 AM
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OK playing devils advocate here (have told my insurance co about mine) - If your car was written off / damaged how many so called insurance experts would notice it ?
If have taken out a bus stop full of people then yes your car would be gone over with a fine tooth comb, but a straight forward rear end / front end etc hit do you really think going to be checking your car that carefully - especially when its throwing it down with rain and its in a muddy recovery / salvage yard ??
Richard
If have taken out a bus stop full of people then yes your car would be gone over with a fine tooth comb, but a straight forward rear end / front end etc hit do you really think going to be checking your car that carefully - especially when its throwing it down with rain and its in a muddy recovery / salvage yard ??
Richard
06 October 2007, 12:52 PM
#11
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I told LV ....
They said that I couldn't change it for a non-Subaru BackBox AT ALL ...... until renewal, of course, when they were all of a sudden willing to listen to me - it's the only time you have them with their trousers down.
LV then wrote to me and said, OK, fit a non-standard exhaust as long as there is no performance increase (which, of course, everyone knows there isn't).
they did add that in an accident they would only replace wit a standard backbox, fair enough I said.
They said that I couldn't change it for a non-Subaru BackBox AT ALL ...... until renewal, of course, when they were all of a sudden willing to listen to me - it's the only time you have them with their trousers down.
LV then wrote to me and said, OK, fit a non-standard exhaust as long as there is no performance increase (which, of course, everyone knows there isn't).
they did add that in an accident they would only replace wit a standard backbox, fair enough I said.
06 October 2007, 01:14 PM
#12
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Yes, you must. Simple as that. It's not just the implications of changes for performance, but also for attractiveness to theives, overall value of the car etc...
Policies are based on absolute disclosure, failure to inform them of any mod, could lead to them refusing to pay out in the event of a claim.
Ns04
Policies are based on absolute disclosure, failure to inform them of any mod, could lead to them refusing to pay out in the event of a claim.
Ns04
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