Invalid car insurance - would you report someone?

Filip

flubberyzing wrote: »

I'd have to agree with JustAnotherSaver. This kid is driving around in a sooped-up car that isn't in-line with the policy he has.
If he was honest with his insurance about what the car is NOW like, it's highly possible that he'd be priced off the road with the cost of the insurance.
And the reason that young kids have super-high insurance, and even more so with higher performance cars, is because the evidence indicates that kids of that age ARE NOT SAFE to be driving a car of that type on public roads. He is considered a danger to himself, and a danger to other road users.


He is cross about possibly having to pay more. But he is being charged more for the insurance because the RISK of him having an accident is HIGHER.


I'd shop him in an instant.


And one of my main reasons for doing so? When I was 18 years old, a male friend of mine killed himself in a road accident by driving too fast in a car that was too high performance for him to cope with.
I wouldn't want anyone else to go through what my friends and I went through when we lost P. 11 years on, we still think about him often and miss him dearly. And if I could stop another family/group of friends dealing with this trauma, I'd do it in a heartbeat.

I worked for flux for years, dealing mainly with jap imports and high net worth policies. At the end of the day, he could be driving a 900cc fiat with a performance air filter. If the mods are minor, it will have little or no difference on his premium with flux. The OP would be better of explaining that to the young gentleman in question rather than trying to stitch him up over something potentially very minor. I don't know what kicks the OP may get out of snitching, but if I was in his position it certainly wouldn't give me a warm fuzzy feeling to know that I'd made the next generations life harder than it already is. We were all young and bent the rules a bit once, it would pay for some if us to remember that.

I sympathise with what happened to your friend however without knowing what the mods are and what car it actually is being discussed in this thread, it's difficult to determine the relevance to this situation.

z1a

flubberyzing wrote: »

I'd have to agree with JustAnotherSaver. This kid is driving around in a sooped-up car that isn't in-line with the policy he has.
If he was honest with his insurance about what the car is NOW like, it's highly possible that he'd be priced off the road with the cost of the insurance.
And the reason that young kids have super-high insurance, and even more so with higher performance cars, is because the evidence indicates that kids of that age ARE NOT SAFE to be driving a car of that type on public roads. He is considered a danger to himself, and a danger to other road users.


He is cross about possibly having to pay more. But he is being charged more for the insurance because the RISK of him having an accident is HIGHER.


I'd shop him in an instant.


And one of my main reasons for doing so? When I was 18 years old, a male friend of mine killed himself in a road accident by driving too fast in a car that was too high performance for him to cope with.
I wouldn't want anyone else to go through what my friends and I went through when we lost P. 11 years on, we still think about him often and miss him dearly. And if I could stop another family/group of friends dealing with this trauma, I'd do it in a heartbeat.

What has the fact that you had a friend who couldn't drive got to do with the question?

FWIW I am also wondering why the OP has got himself involved.

JustAnotherSaver

Right, let's wrap this one up now...

What's the great thing about a debate on the internet? Answer: Nobody changes their opinion. So all this is is people voicing their opinions & nobody will change.

On that note, i challenge all of the "mind your own business" crew to come out with a decent argument. Until that point this one here will be my last response, because so far all of you (the MYB crew) have only sidestepped the point, gone off track & come out with really poor excuses. Please come up with something half decent, something that can make your viewpoint solid. I can't see it happening because let's face it - you can't defend something that's wrong.

Onwards...

Filip wrote: »

You said earlier that u are unaware of what the mod is.

Now see i can sort of stomach people making out as though i've stopped some random chap in the street (even though that's not the case), but please tell me where i said that? This is all black & white here so on you go. You must've read it to say that, but i've gone over what i've said & i haven't said that, so why come out with it?

I didn't say that because i know full well what the modification is.

. How old is the lad?

17. Not that it matters if he's 17 or 77.

If u grass him up, all that will happen is that insurance will become completely unaffordable for him for years to come. And then what will happen?! He'll drive with no insurance at all and BANG, there goes the 3rd party liability. How's THAT for a point?

That is no point. Stop avoiding THE point. Wrong is wrong & that's the point. Why do you avoid this? Why do you try & raise other arguments to help you avoid this? I'll just keep bringing it back to it - wrong is wrong.

But let's run with what you said....

I'm a poor guy. I have some loose change. I go into my local supermarket. The booze is quite expensive. £20 a bottle. I've got £1 on me though. I'll give that to the till lady & then do one with my bottle. I mean, i can't afford it, so i'll give them SOMETHING right? And as i can't afford it, then so long as i've given them something then that makes everything ok, right?

How poor does that argument even sound. Think about it a second. Just because the lad can't afford it doesn't make it right. Wrong is wrong.

DUTR wrote: »

It was probably his way of telling you to mind your own business?

And you are qualified to assume that...how?

Do you know what came before in the conversation? No. So stop assuming. I was actually asking him if he was going to the sandwich shop but you wouldn't know that - because you just assumed. YOU & the MYB crew think i should mind my own business, so you make out like the lad is telling me this. How silly. He wasn't & none of you are in a position to say he was. Trust me, if this lad wanted to tell me MYB then he would've done.

how he has to report to you is what confuses me.

How you insist on putting a twist on what i said is what confuses me funnily enough. Where did i say he should 'report' (nice choice of phrase btw.) to me? Give me your paypal address & i'll paypal you some £ if you can show me where i said that.

It's not a flame,

Oh really? If i hit you in the face 100 times but each time follow it with "i didn't mean that", does that mean i didn't mean to hit you in the face?

but you sound like one of these that ask strangers

This lad is not a stranger! I don't talk to strangers I was asking the lad purely out of curiosity because he had previously complained about insurance cost & i was interested in how much his mod increased his premium.
I wonder if the MYB crew ask others - did you watch such & such a program on the telly last night? If so, i hope they all get told .... mind your own business!!

rev_henry wrote: »

It kinda is the point though.

No, it kind isn't. I'm the one who made the thread. This is about declaring or not declaring mods to the insurance. It's not about what you're having for dinner tomorrow. Declaring mods or not & that's it. I'm not sure why people constantly try & take it off at an angle

Prothet_of_Doom wrote: »

What are the Modifications ?

See here's a problem. I know full well why this is being asked. It's so you can judge whether he should declare or not. If that's not why you want to know then it's surely why others want to know. So i post up the mods & then the MYB crew huddle together & decide it shouldn't get reported (yeah, because it's down to THEM!).
Thing is - it doesn't matter. Modifications are modifications. I've had friends in the past who haven't declared (i didn't know at the time before anyone is keen to jump on that one). They've had an accident & their insurance wont pay out because it then turns out they haven't declared.
I wouldn't be starting this thread over a few stickers on a window though. It's totally irrelevant to the point but let's just say a relative of mine recently had their insurance refused due to this mod & this mod alone. They declared all other mods without this one & they were accepted. Included this & they were refused. Had this on its own & refused. Called up to enquire & was told this mod is stopping them from being insured. So they had to change it.

So it's not for me to decide or you or anyone else. It's for the insurance & as my relative tried this insurance, i'd dare bet they'd refuse it for the lad in question.

I'd only used those parts in order to save money.

Doesn't matter though does it really. I could kill a few people - murderers, rapists & say i'm just ridding the world of a few bad men. Doesn't make it right though.

z1a wrote: »

What has the fact that you had a friend who couldn't drive got to do with the question?

Who said the friend couldn't drive?

Just because he was speeding doesn't mean he can't drive. Seriously. What planet are some people on?

You can do 100mph on the motorway. Does that mean you can't drive? No. You could be a safer driver than the people who sit at 50mph. Doesn't mean you sit on peoples bumpers. You could slow down accordingly & be a very safe driver.

A few years ago i overtook someone on a very long straight. There was no oncoming traffic, so it was safe to do so. They were dong 40 & it was a 50.
Little did i know when i overtook that it was a local nutter (currently in prison for trying to murder his partner) i was overtaking. When i got level with him he swung it into me & tried to ram me off the road.
The insurance company decided i was at fault as i was the one overtaking. I said in that case - the next person to overtake me, i will ram them off the road & get paid out (this lad got £700 payout for a front wing he picked up for £15). "we understand your frustration". No you don't. You don't care. It was perfectly safe to overtake but you can't account for idiots on the road. If someone is going to do something wreckless, you can't account for that.

So what if that posters friend was sideswiped while speeding? How do you know they weren't? What if it was someone who had it in for the guy? You don't know that. You're just assuming he can't drive. Is this assumption city or something??

FWIW I am also wondering why the OP has got himself involved.

My god, get real will you!!

I'll spell it out because none of you seem to be getting it....

we were at work, we stopped for a chat. During which i asked about the recent mods (showing an interest, as you do). That's how i found out.

Do none of you say to co-workers, what have you got planned this weekend? No, from what you're all saying i guess you don't, because you must all mind your own business & never ask anyone a question ever in your lives EVER, because that wouldn't be minding your own business would it?!

So until someone can come up with a decent argument to excuse justifying wrong....

z1a

"Who said the friend couldn't drive?"

The fact that the car was "too powerful for them" tells me that they couldn't drive!
At least they killed themself before they killed others.

z1a

"Do none of you say to co-workers, what have you got planned this weekend? No, from what you're all saying i guess you don't, because you must all mind your own business & never ask anyone a question ever in your lives EVER, because that wouldn't be minding your own business would it?!"

No, there's general chat, and there's busybody prying, I know what yours was.

Filip

I read the name on the post wrong, so apologies for the misquote earlier.

However, you have just stated that the subject of your thread was about declaring mods or not. Incorrect. You're thread is titled 'invalid car insurance - would you report someone?'. You posed a question and people have given you their answers, opinions, and reasons for them. All of which you disregard unless they agree with you. I'm not convinced the mod is uninsurable, not disclosing what it is and stating it was uninsurable to a family member could be pure fabrication to add weight to your argument, again just my opinion.

You of course will do as you please. What goes around comes around and if you do grass him up, I for one would not lose any sleep if it came back to bite you in the a**e.

rev_henry

Could someone please change the thread title to 'I want to report someone for an undeclared modification and anyone who disagrees is wrong'.
Thanks.

vaio

........Do none of you say to co-workers, what have you got planned this weekend? No, from what you're all saying i guess you don't, because you must all mind your own business & never ask anyone a question ever in your lives EVER, because that wouldn't be minding your own business would it?!........

We have that sort of conversation all the time but nobody would dream of running off and reporting the contents of the conversation

maninthestreet

If the mods include body kit, etc, take some photos of it, with the number plate visible, and send them anonymously to Flux??

flubberyzing

z1a wrote: »

What has the fact that you had a friend who couldn't drive got to do with the question?

Wow...! You're an insensitive piece of... work.