struggling to sell my car

Herzlos

kmb500 wrote: »

Why is this forum filled with knob heads?

Some of us ask that every day.

kmb500

Herzlos wrote: »

I'm giving you the benefit of the doubt as not being a troll, but if that's the case then you're a f:mad:ing idiot.


I don't buy that at all, especially if you're talking about the rest of the non-standard stuff. How did you only just find out about this stuff, as you decide to sell it?

I only have third party insurance, so my car is not insured. It was significantly cheaper than comprehensive and I felt comprehensive made no sense on a car that's barely worth double what my excess would be. I don't see why this is me "trolling".


And I only found out when I bought a new air filter last month and realised it doesn't fit the car.
Obviously the rest of the non-standard stuff I'm fully aware of (wheels, seats, exhaust etc) but I don't really know what I'm looking at under the bonnet so never knew the air intake was different from the stock one.

custardy

kmb500 wrote: »

It is perfectly driveable, I drive 1000 miles per month in it.

kmb500 wrote: »

My car is not even insured so I don't see what the problem is. Also don't see what your problem is, its up to me how I sort my insurance out.
I didn't even realise the air filter was custom until last month, I had no way of knowing what was factory fitted and what wasn't.

eh?..........................

GDB2222

kmb500 wrote: »

Why is this forum filled with knob heads?

If you get stopped by the police, the first thing they'll look at is the rust. They'll decide the vehicle is unroadworthy and you're dodgy. Then they'll spot at least some of the modifications, and they'll check with your insurers whether you've declared them. If you haven't, you are driving an unroadworthy vehicle with invalid insurance. That's a ban. So, you don't need to worry about what to replace it with, except a pedal bike.

AdrianC

kmb500 wrote: »

I only have third party insurance, so my car is not insured.

Oh, it is. And you'll find they still asked about modifications when you took the policy out.

The only difference is that they wouldn't pay for your damage anyway. Still doesn't mean that they won't view a modified car as a higher risk, so charge a higher premium. Except through lying about the modifications - deliberately or not - you breached the terms of the policy. Some might even call it fraud. <shrug>

Look, there are some very valuable lessons in here for you, if you want to take them. If you don't, then that's fine - but you can't say you weren't warned. Just... don't shoot the messengers.

kmb500

AdrianC wrote: »

Oh, it is. And you'll find they still asked about modifications when you took the policy out.

The only difference is that they wouldn't pay for your damage anyway. Still doesn't mean that they won't view a modified car as a higher risk, so charge a higher premium. Except through lying about the modifications - deliberately or not - you breached the terms of the policy. Some might even call it fraud. <shrug>

Look, there are some very valuable lessons in here for you, if you want to take them. If you don't, then that's fine - but you can't say you weren't warned. Just... don't shoot the messengers.

Actually when I took out the policy they did not ask me about any modifications to the car. I noticed this at the time and read it through several times, they didn't ask. It probably says in the terms and conditions but they never actually asked for it. I have never lied to them - just haven't told them anything they didn't ask about.

Herzlos

kmb500 wrote: »

I only have third party insurance, so my car is not insured. It was significantly cheaper than comprehensive and I felt comprehensive made no sense on a car that's barely worth double what my excess would be. I don't see why this is me "trolling".

My bad. I thought you meant it was uninsured, not insured 3rd party. You generally still need to declare anything non-standard, and it'll likely be checked if you ever get pulled, since the rust is obvious.

GDB2222

kmb500 wrote: »

Actually when I took out the policy they did not ask me about any modifications to the car. I noticed this at the time and read it through several times, they didn't ask. It probably says in the terms and conditions but they never actually asked for it. I have never lied to them - just haven't told them anything they didn't ask about.

If that's correct, you'll be okay. The 2012 Act puts the onus on insurers to ask the questions not the policy holder to volunteer information not requested.

However, that's a standard question. It's hard to believe it wasn't asked.

custardy

kmb500 wrote: »

Actually when I took out the policy they did not ask me about any modifications to the car. I noticed this at the time and read it through several times, they didn't ask. It probably says in the terms and conditions but they never actually asked for it. I have never lied to them - just haven't told them anything they didn't ask about.

and at the end you likely ticked a box about assumptions made/declaration etc. I would expect modifications to be covered there.
Its a pretty standard question.

kmb500

GDB2222 wrote: »

If that's correct, you'll be okay. The 2012 Act puts the onus on insurers to ask the questions not the policy holder to volunteer information not requested.

However, that's a standard question. It's hard to believe it wasn't asked.

Thanks, that is useful to know. And yeah, I know it's a standard question - but really, it wasn't asked when I went through the quote. It's direct line; for some reason they don't ask that question on their website when you fill out the quote.