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Modified car insurance question

  • 13-09-2021 12:51pm
    #1
    AgriLad
    Registered Users, Registered Users 2 Posts: 58 ✭✭


    If i modify my car and dont tell my insurance company and have a crash into another they may “refuse to pay out”


    what about if you have third party insurance? What happens then?



Comments

  • #2
    tcawley29
    Registered Users, Registered Users 2 Posts: 1,829 ✭✭✭tcawley29


    They are obligated to pay the third party claims but they can reclaim it off you in court



  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    For new policies and renewals from Sept 1st 2021 onwards, there is no obligation on you to inform the insurance company of anything, you simply provide truthful answers to the questions they ask.

    But that guarantees that from now on, every proposal form will explicitly ask you if you have modified the car from the manufacturer's specifications. Which a lot of them used to ask anyway.

    As the poster above points out, they will still pay a third party claim but they can come after you for the money.



  • #4
    zg3409
    Registered Users, Registered Users 2 Posts: 7,035 ✭✭✭zg3409


    https://www.boards.ie/discussion/2058208614/modified-car-insurance-question

    Beware you may be brought to court for driving without valid insurance by Gardai and then you may get a procesution which will make getting insurance again nearly impossible.


    I think before you choose to modify any car or buy a modified car (even installing a new radio, or new wheels can be considered a modification) , you should consider the impact on insurance, which may make it near impossible for you to get insurance or for you to end up lying to insurance and basically in the event of a crash, your insurance being invalid. You should declare anything non factory.

    Post edited by zg3409 on


  • #5
    brianwalshcork
    Registered Users, Registered Users 2 Posts: 611 ✭✭✭brianwalshcork


    >You should declare anything non factory.

    Who decides where the line is drawn? Factory components wear out and need to be replaced as cars age.

    If someone chooses to replace rubber bushings with polyurethane bushes it doesn't turn their car into a death trap.

    If the fit the cheapest tyres they can find, then it might do exactly that.



  • #6
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,861 Mod ✭✭✭✭Henry Ford III


    https://www.boards.ie/discussion/comment/117889838#Comment_117889838

    It's what's known as a "material" mod.

    Upgrading suspension would be one I'd imagine.

    Insurers decide if they'll pay or decline a claim, but policyholder is free to persue it legally.



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