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Author Insurance claim
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 11:05   View User's Profile U2U Member Reply With Quote
Someone crashed into me a while back, I won the claim, and have their insurance coming to look at the damage to the front bumper. Cars standard bar exuahst, which my insurance aren't aware, will they realise or even look at whats declared as its their insurance? cheers
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 11:15   View User's Profile U2U Member Reply With Quote
anyone
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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6th Mar 08 at 11:18   View Garage View User's Profile U2U Member Reply With Quote
take it off and put it back on when they leave
K2 GTi
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6th Mar 08 at 11:31   View User's Profile U2U Member Reply With Quote
too late, he called on the off chance... took pics of car and stuff.. am i fucked
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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6th Mar 08 at 11:32   View Garage View User's Profile U2U Member Reply With Quote
oh he's been
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 11:33   View User's Profile U2U Member Reply With Quote
yeah, just this second gone .. he was a cock... prob because its their insurance company
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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6th Mar 08 at 11:34   View Garage View User's Profile U2U Member Reply With Quote
cant see an exhaust in the pics

unless the ones in your garage are old ones before the exhaust
lil_g
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Registered: 29th Oct 06
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6th Mar 08 at 11:34   View User's Profile U2U Member Reply With Quote
How big is the exhaust?

If it's not too large they may not even notice
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 11:36   View User's Profile U2U Member Reply With Quote
he did look round and took pics.. its a 2" pugsport.
K2 GTi
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6th Mar 08 at 11:37   View User's Profile U2U Member Reply With Quote
but at time of accident i didnt have exhaust on
IvIarkgraham
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Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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6th Mar 08 at 11:37   View Garage View User's Profile U2U Member Reply With Quote
i think you'll be fine

no point worrying about it
lil_g
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Registered: 29th Oct 06
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6th Mar 08 at 11:38   View User's Profile U2U Member Reply With Quote
2" is not noticable tbh!

Plus if they say anything do you have the receipt for the exhaust? Showing the date it was purchased?
K2 GTi
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6th Mar 08 at 11:43   View User's Profile U2U Member Reply With Quote
Yeah, but was purchased before lol.. took a while to get it fitted.. im bricking it!! He took pics of the car, tax disc, number under the bonnet.. Think the pictures were taken to see the condition of the car?! Someone please brighten me up lol. If it was my insurance id be fucked, but as its only the front of the car that needs doing i hope Ill be ok.. Shall I just ring my insurance and say I had an exhaust fitted yesterday or something?
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 11:44   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by lil_g
2" is not noticable tbh!

Plus if they say anything do you have the receipt for the exhaust? Showing the date it was purchased?


I think he did notice he looked at it when he went to the back.
K2 GTi
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6th Mar 08 at 12:04   View User's Profile U2U Member Reply With Quote
Dan295
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Registered: 9th Oct 06
Location: London
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6th Mar 08 at 12:09   View User's Profile U2U Member Reply With Quote
you shouldnt be worrying about it now mate, imo you should have declared it so this doesnt happen, would have been a tiny bit more on your policy unlike now if you struggle getting a payout
K2 GTi
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6th Mar 08 at 12:11   View User's Profile U2U Member Reply With Quote
yeah i know im a cock...
K2 GTi
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6th Mar 08 at 12:11   View User's Profile U2U Member Reply With Quote
what if i call them now and say i had it put on last night or something?
John
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Registered: 30th Jun 03
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6th Mar 08 at 12:12   View User's Profile U2U Member Reply With Quote
If its the 3rd party insurance company they won't care.

They don't know what you have declared or not.
K2 GTi
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Registered: 21st Oct 04
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6th Mar 08 at 12:13   View User's Profile U2U Member Reply With Quote
But will they go through them and say he has an aftermarket exhaust? I hope you're right John
VegasPhil
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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6th Mar 08 at 12:14   View Garage View User's Profile U2U Member Reply With Quote
They won't find out mate

Corsa 2.0 16v Vegas - Sold
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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6th Mar 08 at 12:14   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by John
If its the 3rd party insurance company they won't care.

They don't know what you have declared or not.

They will care - because if the car isn't insured to have that stuff on, then it shouldn't have been on the road, and they have a reason not to pay out.
K2 GTi
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6th Mar 08 at 12:15   View User's Profile U2U Member Reply With Quote
shall i call them and wil that be ok?
John
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Registered: 30th Jun 03
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6th Mar 08 at 12:16   View User's Profile U2U Member Reply With Quote
I bet they don't care.

I bet in 99% of cases your own insurance company don't even care.

Deano where do you think they find out if he has an exhaust declared?

They don't care about anything like that unless you caused 10 deaths and 6 million quids worth of damage.

If somebody hits you their insurance fix it, simple as.
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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6th Mar 08 at 12:30   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by John
Deano where do you think they find out if he has an exhaust declared?

From your insurance company, I'm sure they would have been liaising, and probably have a copy of your policy.

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