Isurance question...

af_thefragile

If you've fitted some small mods to your car like uprated bushes and a strut bar and you didn't bother telling about it to the insurance people as they're pretty small mods. Then if you have a crash on your third party insurance, what would happen?

Would the insurance people pay for the damages or will they tell you to piss off as your car is not completely stock? And if they do tell you to piss off then what would happen?

slimjimmc

They'll pay out on the third party claim and most likely take a civil suit against you for the dosh. I hope you have deep pockets.
You're required to tell your insurer of all changes and let them decide what is or isn't a small mod, that's not your call.

Esel

Is it a Puma, by any chance?

In a third party claim scenario, why would your insurance company be putting your car on a lift in the first place?

af_thefragile

esel wrote: »

Is it a Puma, by any chance?

In a third party claim scenario, why would your insurance company be putting your car on a lift in the first place?

For now the cat is stock. So not a puma...

But that's exactly what I'm wondering. In a third party scenario how will the insurance people find out if the car has got mods or not...?

oldyouth

af_thefragile wrote: »

For now the cat is stock. So not a puma...

But that's exactly what I'm wondering. In a third party scenario how will the insurance people find out if the car has got mods or not...?

The assessor will examine the Third Party's vehicle, the condition of the road, verify the insured's personal circumstances to ensure they match the declaration on the proposal form and the insured vehicle to confirm it is what it is supposed to be.

All part of establishing liability

af_thefragile

Eh that means I'll have to tell them even if I fit uprated bushes or a strut bar on my car and pay 200quid or so for that little mod which makes the car handle better and therefore safer on the roads.

Like I can understand paying more for fitting a big turbo or engine mods which make the car more powerful and therefore more dangerous. But paying for stuff that makes a car safer and more durable like the polyurethane bushes and uprated brakes and all is a bit stupid. It barely does anything to the price of the vehicle either as you can barely spot these changes.

It's true the insurance people are only there to make money rather than provide a service...

Have you not asked this before ? And you were told the same thing.

af_thefragile

RoverJames wrote: »

Have you not asked this before ? And you were told the same thing.

Yeah but I wanted to know what would happen insurance wise if I didn't bother telling them. Would they still pay for the damage or would they get really pissed off and take revenge...

slimjimmc

They'd be quite justified to be pi55ed off. You entered into an insurance contract based on honesty and trust, now you want to break that trust by being dishonest and trying to insure something different?
How would you react if you were on the receiving end of dishonesty?


Where you see a simple strut bar fitted to improve handling and make the car safer the Insurance Co. sees a strut bar which is likely to change handling with uncertified* effects and will probably question as to why the owner wants better handling unless he wants to go faster or more sportily.
Those may not be your intentions but you'd have to convince them of that.


*Unless the motor company has fully tested and got EU safety certification for the mod.

af_thefragile

^^ but what about ford approved mods? Like eibach lowering springs for the puma are ford approved and you can get them from fordpartsuk.com

Though when you speak to the insurance people they have no clue of what you're talking about...

Esel

@slimjimmc & oldyouth: Are you just expressing your opinion(s) or posting with definite knowledge?

esel

esel wrote: »

@slimjimmc & oldyouth: Are you just expressing your opinion(s) or posting with definite knowledge?

Oldyouth's view seems spot on to me, we have a few threads on here where folks insured 3rd party had their cars inspected post accident iirc.