If he gets stopped by the old bill,will they be able to find out if he has declared (OR NOT) his modds. Are they allowed to see/ask for the details of his insurance.?????
police and insurance documents
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slickliner6
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police and insurance documents
Im working with a young lad atm,and he has got a modded astra VXR(very nice it is too). and he hasnt declared all the mods to his insurance company. Now i know that makes his insurance invalid, but my question is......
If he gets stopped by the old bill,will they be able to find out if he has declared (OR NOT) his modds. Are they allowed to see/ask for the details of his insurance.?????
If he gets stopped by the old bill,will they be able to find out if he has declared (OR NOT) his modds. Are they allowed to see/ask for the details of his insurance.?????
A day without a laugh is a day wasted.
we were so poor when i was growing up.Dad said "its a good job i was born a boy,at least id have something to play with"
we were so poor when i was growing up.Dad said "its a good job i was born a boy,at least id have something to play with"
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blinkey501
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Hmm. A bit of a grey area.
My wife was pulled up by the police some years ago when on the early shift.
The car was registered and insured by me.
The police could trace if she was a named driver which she was.
Don't want to sound a twat but........
What if he kills someone?
Would the insurance pay? Technically he is not insured!!!!!!!
My wife was pulled up by the police some years ago when on the early shift.
The car was registered and insured by me.
The police could trace if she was a named driver which she was.
Don't want to sound a twat but........
What if he kills someone?
Would the insurance pay? Technically he is not insured!!!!!!!
Tolerance will be our undoing.
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squadron Nero
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I believe they can if they have reason to suspect that your insurance is not valid.
I was stopped on my Thundercat years ago. I had only insured it about an hour before so it hadn't had time to show up on the police national computer yet. It alerted the coppers ANPR and I was pulled. Upon explanation he asked who I was insured with and phoned them up there and then to check the policy. Once it was confirmed I was on my way. Gone are the days of the "Producer" now everything's online, electronic and BB is watching all.
I was stopped on my Thundercat years ago. I had only insured it about an hour before so it hadn't had time to show up on the police national computer yet. It alerted the coppers ANPR and I was pulled. Upon explanation he asked who I was insured with and phoned them up there and then to check the policy. Once it was confirmed I was on my way. Gone are the days of the "Producer" now everything's online, electronic and BB is watching all.
I do declare my mods ..... but I've often mused, what is and isn't a modification.
For example, if on a bike you replace your exhaust with an aftermarket can, most would declare that.
However if your car exhaust needs replacing, most will drive to an exhaust place where they will normally fit a non-OE replacement. It never crosses anyone's mind that it is no different to fitting an aftermarket can on a bike and I really doubt that they are ever declared (or that insurers expect them to be).
Similarly, fitting some critical parts that are not OE ..... brake pads ..... tyres ....
These are some of the most critical parts of a vehicle and nobody (as far as I know) would ever think of declaring these. In fact, many motorists wouldn't have a clue what they had got fitted ....
So yes, I declare my mods but I think the question of what is a mod is not as clear cut an area as it may first appear.
Also as to whether you are covered (and I don't know the answer to this), the sensible thing would seem to me that only if the undeclared mod can be shown to be a contributory factor to the claim should it affect cover (but as I say, I don't know whether that's true). I would also question whether the insurers would not compensate a 3rd party - though maybe that would be done through the industry's uninsured driver scheme .... to which we all contribute through inflated premiums.
For example, if on a bike you replace your exhaust with an aftermarket can, most would declare that.
However if your car exhaust needs replacing, most will drive to an exhaust place where they will normally fit a non-OE replacement. It never crosses anyone's mind that it is no different to fitting an aftermarket can on a bike and I really doubt that they are ever declared (or that insurers expect them to be).
Similarly, fitting some critical parts that are not OE ..... brake pads ..... tyres ....
These are some of the most critical parts of a vehicle and nobody (as far as I know) would ever think of declaring these. In fact, many motorists wouldn't have a clue what they had got fitted ....
So yes, I declare my mods but I think the question of what is a mod is not as clear cut an area as it may first appear.
Also as to whether you are covered (and I don't know the answer to this), the sensible thing would seem to me that only if the undeclared mod can be shown to be a contributory factor to the claim should it affect cover (but as I say, I don't know whether that's true). I would also question whether the insurers would not compensate a 3rd party - though maybe that would be done through the industry's uninsured driver scheme .... to which we all contribute through inflated premiums.
“Scientists investigate that which already is. Engineers create that which has never been.”
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flatlander
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I replaced the exhausts with an after market one and asked the insurance pointed our the car scenario and that I had what I could afford and had not chosen it as a pedormanxe enhancement that the cans were road use legal and they were ok and recorded it but did not class it as a modification as I was not aware of any change to the performance. Also last crash they didn't look at anything like that just the damage and the cost
For the avoidance of doubt and for the benefit of my wife, not everything I may say here will be absolutely true I may on ocassion embellish a little for effect.
That said when it comes to motorbikes, I like to ride side saddle with a nice frock
That said when it comes to motorbikes, I like to ride side saddle with a nice frock
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slickliner6
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100% agree and believe me ive told him my thoughts on this......but............blinkey501 wrote: What if he kills someone?
Would the insurance pay? Technically he is not insured!!!!!!!
have you ever tried to drum into a 19 year old lad (thats not your son)the rights and wrongs of it all
A day without a laugh is a day wasted.
we were so poor when i was growing up.Dad said "its a good job i was born a boy,at least id have something to play with"
we were so poor when i was growing up.Dad said "its a good job i was born a boy,at least id have something to play with"
Last year a couple of insurance companies got taken to court as they had cancelled policies on people for not declaring modifications.
the basis of the court case was that the modification had zero relevance to the crash and (you'll love this) based on that, they lost.
I don't know the full details, and I agree that if you crash on your own then they shouldn't pay for any mods on your bike that are undeclared. However if you total a Ferrari because you drive into the back of it, then having a road legal end can should have no bearing on this at all and they should pay up for all damage to the third party.
Lets be honest, insurance companies are all thieves, screwing us because we have no choice in the matter. My insurance company wanted to charge me £100 extra (on a £250 policy) for having an aftermarket shock. This shock is safer than the old one and is also £650 cheaper than OEM, so logically my insurance should have been cheaper but as I have no say in the matter they ramp it up, obviously I didn't declare this mod.
the basis of the court case was that the modification had zero relevance to the crash and (you'll love this) based on that, they lost.
I don't know the full details, and I agree that if you crash on your own then they shouldn't pay for any mods on your bike that are undeclared. However if you total a Ferrari because you drive into the back of it, then having a road legal end can should have no bearing on this at all and they should pay up for all damage to the third party.
Lets be honest, insurance companies are all thieves, screwing us because we have no choice in the matter. My insurance company wanted to charge me £100 extra (on a £250 policy) for having an aftermarket shock. This shock is safer than the old one and is also £650 cheaper than OEM, so logically my insurance should have been cheaper but as I have no say in the matter they ramp it up, obviously I didn't declare this mod.
Pass me a hammer, a spanner and a cuppa