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craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 15:14

could i act dumb and say i didnt know my car was modifed and i bought it like this....... which i did??

John

Member

Registered: 30th Jun 03
User status: Offline

16th Mar 07 at 15:17

Won't find out until you need to make a claim.

If it doesn't work your fucked.

Cupra Steve

Banned

Registered: 7th Nov 06
User status: Offline

16th Mar 07 at 15:19

LOL!! I wouldn't! But if it works let me know!

How many mods you got? Sometimes things like alloys suspension exhaust don't make any difference.

mark_gsi

Member

Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline

16th Mar 07 at 15:24

i did it when i was 18 on my xr2i well it only had like alloys exhaust n clear lights. but i never crashed or needed to make a cliam and the police never said anything.i was only tpft any way so if i did crash would of had to replace them my self.

Cupra Steve

Banned

Registered: 7th Nov 06
User status: Offline

16th Mar 07 at 15:27

quote:
Originally posted by mark_gsi
i did it when i was 18 on my xr2i well it only had like alloys exhaust n clear lights. but i never crashed or needed to make a cliam and the police never said anything.i was only tpft any way so if i did crash would of had to replace them my self.

but your company wouldn't of paid out for the 3rd party so you would of been left standing like a lemon with a big bill as your insurance would be void.

mark_gsi

Member

Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline

16th Mar 07 at 15:33

yup but most people said quinn werent bothered about exterior mods. just they didnt like engine mods.

joes_1.4_16v_sport

Member

Registered: 15th Mar 07
Location: Preston, LANCS
User status: Offline

16th Mar 07 at 15:34

Mines "standard"

Only think i havnt done is cammed // chipped her

lol

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

16th Mar 07 at 15:35

I've recently had a crash. Hadn't informed them about Depos or debadge grill and weren't bothered - I'm with Zurich.

Performance enhancing yes, you'll need to declare. Others mods don't generally need to be declared unless you want them replaced in the event of an accident.

My alloys, however, I had to inform the insurance company but as they're exactly the same size as the steelies, it didn't matter.

EDIT: It is worth ringing up pretending to be a new customer, asking what mods need to be declared and how much etc.

[Edited on 16-03-2007 by deano87]

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 16:20

well i am not claiming on my insurance someone went into the back of me ... so i am claiming off his insurance... u think i should leave my softstars, remus backbox on ?

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 16:22

ohh and tinted windows...

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

16th Mar 07 at 16:27

Yeaahhh, they probably won't say anything. If they do, say you had them both fitted that day, cash, by a mate. And were going to inform the insurance company in the evening.

If they ask why everything is sooted/dirty, say they are used parts

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 16:50

you think that be ok

i hope so

Tommy L

Member

Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline

16th Mar 07 at 16:54

that wouldnt work deano, they would say well its not declared so your insurance is void, unless you had you crash on a sunday so the call centres would be closed

keep the softies and remus

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

16th Mar 07 at 16:55

I suppose. Just don't mention it. See if they do. Then panic.

[Edited on 16-03-2007 by deano87]

adamC20xe

Member

Registered: 19th Oct 05
Location: fife
User status: Offline

16th Mar 07 at 16:56

the way i see it is the only thing you should ever worry about declarin is an engine conversion. if you ever crash you have plenty time to strip off wheels suspension etc bodykit prob be fucked anyway so comes off quick enough. then stick standard parts on. they dont need to be fitted properly just as long as they roughly where they should. then sorted no problems. seen it done a few times.

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 16:57

keep them on and hope for the best

Colin

Member

Registered: 4th Apr 02
User status: Offline

16th Mar 07 at 16:58

You could do it but if you crash you could find yourself with void insurance!!

adamC20xe

Member

Registered: 19th Oct 05
Location: fife
User status: Offline

16th Mar 07 at 16:58

as for the police they usually dont care unless your car is ott modified then they may ask to see if it all legal

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 16:59

how much u recon i can get some standard sport wheels and a standard back box?

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 17:01

well the only reason i am taking my mods off is if the guy who went into the back of me sends his insurance to inspect my vehicle

Tommy L

Member

Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline

16th Mar 07 at 17:04

TBH softstars are irmscher part so can see this as upgrade on original parts? exhaust wont make a difference tvh maybe £20. only thing that bumps up insurance is body mods

adamC20xe

Member

Registered: 19th Oct 05
Location: fife
User status: Offline

16th Mar 07 at 17:05

just go down the scrap yard get a set of steel wheels exhaust etc it only be a temp fix till they been.

craig_lewis

Member

Registered: 23rd Nov 05
Location: Neath, Neath Port Talbot
User status: Offline

16th Mar 07 at 17:08

thanks adam i think i will do that

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

16th Mar 07 at 17:13

quote:
Originally posted by adamC20xe
the way i see it is the only thing you should ever worry about declarin is an engine conversion. if you ever crash you have plenty time to strip off wheels suspension etc bodykit prob be fucked anyway so comes off quick enough. then stick standard parts on. they dont need to be fitted properly just as long as they roughly where they should. then sorted no problems. seen it done a few times.

That won't necessarily work. I phoned up my insurance as soon as I had the crash i.e. on the side of the road, they sent the recovery lorry and had booked the car in at the repairer, then the lorry took me and the car to the repairer. Then I drove home in a courtesy. Not really much time

chrisj_88

Member

Registered: 22nd Sep 06
Location: Dewsbury
User status: Offline

16th Mar 07 at 17:32

quote:
Originally posted by craig_lewis
could i act dumb and say i didnt know my car was modifed and i bought it like this....... which i did??

wont work, as the law states, ignorance is not a reason

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