leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
just wondering, 
|
M2RTY
Member
Registered: 25th May 01
User status: Offline
|
me
silly not too as u can say buy buy to everythging if u crash
|
stuyw
Member
Registered: 15th May 02
Location: North West Drives: Rev3 MR2 Turbo
User status: Offline
|
ive declared everything as ive got limited mileage and also agreed value, its not worth taking the chance as most dont up ur premium for zorst n the like
|
Red_SXi
Member
Registered: 23rd Sep 02
Location: Dunstable Drives: 52 Plate BMW 3 M Sport Coupe
User status: Offline
|
I'm with liverpool victoria, i tried to tell them but they said it doesn't matter at all abuot mods
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
My insurance know about everything, its the best way cos i had my car smashed up causing over £2500 of damage and if i hadnt told them about my alloys suspension, lights etc they would have refused to replace them, of just give me standard shite, or say you didnt tell us about that you insurance is void good bye.
Works out for the best, might be getting my old lexus lights replaced with the new style and me old action alloys replaced with T12's cos they have to cos i told them about it
|
broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
|
im with liverpool victoria too, just told me to take photo's of all my cars mods trying to get the numberplate in the pics so they no its on my car
|
Mistamist
Member
Registered: 16th Jul 03
Location: Gillingham, Kent
User status: Offline
|
Yup i told them everything, as long as its not performance enhancing they dont care a fcuk. shiny big rims.....no increase etc etc
|
leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
i have told mine of my alloys, i have a backbox and engine mods, and lexus lights!!! does the back lights count??????
|
Gambit
Member
Registered: 5th Jun 00
Location: Common Sense HQ
User status: Offline
|
me, as all mine are covered at no extra cost no matter what i do to it
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
yeah the back lights do cos the replacments for mine as standard are £35 mine got smashed and its costing them £135 to replace my lexus
|
leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
it dont matter bout induction kits tho does it??? whos gona no??
|
broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
|
no point in not telling them, i had an astra which id just put some piper cams in, fully exhaust with 4branch and lowered, only been done 2days when i was stationary and a lorry hit it, totally wrote it off, didnt get any money back for any of the bits id put on and the only bit i could save was the exhaust and rear suspension, all the rest was a loss! so id tell the insurers before i do anything now!
|
Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
|
well if you dont tell them about induction kit make sure you keep the standard bits to put back on before the insurers send out an engineer to inspect it when something goes wrong
|
broster
Premium Member
Registered: 6th Dec 02
Location: Drives: E39
User status: Offline
|
quote:
Originally posted by leon_in_uk
it dont matter bout induction kits tho does it??? whos gona no??
yes, if u are unable to swop the kit over to standard air box then they will see when they inspect the car, i.e. if u have a crash and u get put in hospital, u wont be able to swop it over before they come and look at your car, so insurers will let you off, others wont!!!
|
leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
ok im gona tell em when it needs renewin! at least the 1ncb will knock it down anyway!!!
|
leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
are endsleigh any good for mods then????
|
Adam
Member
Registered: 1st May 01
Location: Hurstbourne Tarrant
User status: Offline
|
I didn't declare my alloys when i was with direct line, they wouldn't fix the car till i payed £100 to have them added to my policy
|
gregwilko
Member
Registered: 12th Mar 03
Location: glasgow
User status: Offline
|
it thought most insurers just replaced standard value of car unless you have agreed value?? whats the deal with delocking or uprated brakes??? does this increase premium cause car is more desirable??
|
cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
|
Insurers will use any excuse at all not to pay out. If you have any mods, no matter how small or insignificant you might think they are, it is best to declare them. If not, if you should have an accident, thats the excuse they are looking for.
I had no end of problems with an insurance claim several years ago, it was all because I had stuck a chrome badge that said V6 on the rear hatch, how petty is that?
|
leon_in_uk
Member
Registered: 16th Sep 03
User status: Offline
|
quote:
Originally posted by cobra148
Insurers will use any excuse at all not to pay out. If you have any mods, no matter how small or insignificant you might think they are, it is best to declare them. If not, if you should have an accident, thats the excuse they are looking for.
I had no end of problems with an insurance claim several years ago, it was all because I had stuck a chrome badge that said V6 on the rear hatch, how petty is that?
quality point insurers make shit loads of money, they nether wanna pay out, there basstards
|
Gavin
Premium Member
Registered: 3rd Apr 02
Location: West Midlands
User status: Offline
|
i told them everythng....even when i upgraded my front and rear bumpers to the post 97 corsa ones...
dont want to take the rest....cos when u need to claim off them, they wil try and find something that will allow them not to pay out !!!!
pew pew pew pewwwww
|
Andy_S
Member
Registered: 24th Mar 02
Location: Manchester
User status: Offline
|
Ive not told them anything yet, gonna give them a phone call when the cars finished. Might forget the NOS tho!
|
Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
|
I am with LV, told them about all my mods, they said it doesn't matter but I made sure that they had logged it on screen (as far as I know they did anyway) so that they had a record that I had told them about my mods.
|
mattcorsa16v99
Member
Registered: 5th Nov 03
User status: Offline
|
I ASKED HOW MUCH IT WOULD COST TO DECLARE ALLOYS. THEY SAID AN EXTRA £350 A YEAR SO I AINT TOLD THEM ABOUT ANY OF THE MODS.WHEN I WROTE MY FIRST CAR OFF I JUST HAD TO WHIP THE WHEELS AND INDUCTION KIT OFF. THEN THE ENGINEER VALUED IT AND DIDNT NOTICE THE LOWERING SPRINGS!
|
J100RSA
Member
Registered: 4th Mar 01
Location: Thornhill, West Yorkshire
User status: Offline
|
Mine no about everything evern engine but i do pay next to fook all 
|
