Are my car mods going [Removed] (Insurance)

d0nkeyk0ng

As above, if the car has been modified from the factory in any way, it could invalidate insurance. I vaguely recall someone who had a religious car sticker get in to trouble because of it. Similarly, I remember reading about dealer-fitted optional extras also needing to be declared.


There are some mod-friendly insurance companies out there eg adrian flux, brentacre etc so have a look round.

AdrianC

d0nkeyk0ng wrote: »

I vaguely recall someone who had a religious car sticker get in to trouble because of it.

There was a bit more to that one...


The car was plastered in stickers promoting her business/employer, which she hadn't declared.



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

Beeb wrote:

The company first objected to the stickers when she tried to claim on her policy after a part was stolen from the car and photographs were submitted as part of the claim.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.
She was warned: "The policy may be declared void".
Age UK told her in a letter: "These modifications do not fit our acceptance criteria for motor insurance and cover would have been declined if we had been made aware of these at the time of purchasing your policy.
...

A spokesman said: "The situation regarding Reverend Parry's claim was in no way related to the Christian nature of her graphics."

LandyAndy

markudman wrote: »

I once have a Volvo, that was a total lose, and the insurance company refused to pay because i modified it, All I done was sign write it, will my companies details, the insuer said I should have notified them.

Can't argue with that.

LandyAndy

-"Objects in mirror are losing" stickers on wing mirrors

That made me laugh.

Herzlos

Gothen12345 wrote: »

-Aluminium Exhaust Tip (screwed on with an allen key)

They might do.

-"Objects in mirror are losing" stickers on wing mirrors

Does it affect the visibility in any way? That's a lot of text to fit on a wing mirror.

-Wing mirror eyebrows to reduce rain accumulation on mirror surface
-Enderman glued to the dashboard
-Replacement Gear knob
-Blue Metal Dust caps for wheels
-Pink bobble attached to front grill underneath Subaru badge

They'd raise eyebrows but I doubt they'd care.

-Additional Cup holders to go into door pocket
-Dash Camera

Nah, wouldn't care

-600watt 12v inverter
-Low gauge wire from battery (with fuse), through firewall to boot for inverter
-Aftermarket stereo
-Subaru forester dash tray (under stereo)
-Subwoofer cable underneath carpet to boot of vehicle
-Subwoofer in boot of car
-Missile switch to activate relay for powering inverter

They'd likely care about this stuff

Are any of these mods likely to get my insurance policy cancelled?

Possibly, you'd need to talk them through it all.

I can't really afford :wall:to lose my policy, I don't want to extend the use of this darn black box any longer than necessary. :wall:

You might be better just taking all the tacky crap off your car until you've got a decent enough history to not use a black box.

Ant555

The fitter for the insurance black box on my sons car (wasn't on behalf of tesco though) said that he has to take photos all round of the car and send to them as a cross check that the insurance details of the car are and its value are as I described to them.

He said some insurance companies genuinely class modifications to include things such as adding a 'turbo' sticker to the back of the car although, I admit, that is anecdotal evidence. He also said having a dashcam is often considered an 'extra' for black box insurance policies as it could increase the chances of a break in if left in the window when parked.

All things that make me wonder whether a black box policy is simply a large pool of get out clauses and small print waiting to be triggered.

Good luck.

Nasqueron

AdrianC wrote: »

There was a bit more to that one...


The car was plastered in stickers promoting her business/employer, which she hadn't declared.



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

Predictable sky wizard logic of immediately trying to claim it was about her faith.

They have concluded that our request to declare all modifications was not made clear enough to Rev Parry and therefore she did not know which vehicle enhancements should have been declared.

Apparently that's not clear!

Gloomendoom

Nasqueron wrote: »

Predictable sky wizard logic of immediately trying to claim it was about her faith.

It was. I'm not sure why that should make a difference though.

Nasqueron

Gloomendoom wrote: »

It was. I'm not sure why that should make a difference though.

It wasn't


That's the issue.


She modified her car with stickers that promoted a business and could potentially lead to vandalism. When she was called up on this fact she tried to claim the issue wasn't the stickers (which it was), but rather the CONTENT of the stickers.


That is to say, she (wrongly) believed if the stickers were non-religious, they would have been ok. The insurance company confirmed from the off that the issue was purely the modification but she tried to make it about religious discrimination as it suited her angle as it allowed her to get in the god squad protesting about how Christians were being discriminated against to get bad publicity for the insurer to try and get around the fact her case was lost before she started.


It's the same as that BA check in desk worker who was told off for wearing a crucifix on a chain when the company policy was no jewellery, she tried to change the argument into one of religious discrimination even though the policy clearly stated no jewellery and there is no religious requirement in Christianity to wear a crucifix unlike say a Sikh man who has to wear a turban as part of his faith.

skiptalker

a tow bar is also classed as modification on insurance