Don't forget to declare all mods!

wiogs

forgotmyname wrote: »

I have a funny round disc thingy in the front window. Should i declare that?

Depends what it is.

If is one of those obsolete tax disc things might as well remove it.

forgotmyname

Its a magnetic holder though and the backing cover is my handsfree antenna.

2 birds with one stone originally. Tax disc holder and antenna all in one. I just threw the original holder backing disc away.

londonTiger

Arfa__ wrote: »

http://www.bbc.co.uk/news/uk-wales-south-west-wales-31064998

Like many mods, a bit garish and poor taste. But damned them insurers can be sticklers when it comes to undeclared mods. If a bunch of stickers and an extra fag lighter socket can void your policy, what will be next? Baby-on-board stickers, air fresheners, non OEM wiper blades, child seats, Rick Astley cd's in stereo?!

Where does it say anything about extra cigarette lighter?

JustinR1979

londonTiger wrote: »

Where does it say anything about extra cigarette lighter?

In the link you have quoted.

Retrogamer

londonTiger wrote: »

Where does it say anything about extra cigarette lighter?

It says it in the linked article

She was given 10 days to explain why she had not told them about the stickers, and an additional cigarette lighter point in the boot, when she took the policy out.

RichardD1970

londonTiger wrote: »

Where does it say anything about extra cigarette lighter?

Halfway down the page, 3rd paragraph after the picture of the car,

She was given 10 days to explain why she had not told them about the stickers, and an additional cigarette lighter point in the boot, when she took the policy out.

arcon5

It also says they have decided not to void the policy because their policy wording wasn't clear enough.

In other words, the press got hold of the story and they are going for damage limitation.

Insurers are scum bags, any excuse.

Car_54

It's not clear from the reports whether the lady was insured for business use. If she wasn't, then I think she has no complaint.

But what is her business? Presumably saving souls, ministering to the poor and sick, and converting the heathen. Does she do that 9-5, or 24/7? I suspect she should be insured for business.

onomatopoeia99

Insurers have a pretty hard time voiding policies ab inito , the ombudsman won't let them get away with it unless the abuse by the policyholder is severe and the insurer would not have accepted the risk under any circumstances. The road traffic act has something to say about it as well (section 148), once the certificate has been issued, the insurer cannot avoid meeting liabilities to third parties.

AdrianC

onomatopoeia99 wrote: »

the insurer cannot avoid meeting liabilities to third parties.

...but they can send the bill on to their (ex)customer.