Vehicle insurance - not declaring what can't be 'seen'?

Ergates

JustAnotherSaver wrote: »

My point is that its a case of one persons word against another.

Claim comes in, insurance investigates, finds it's been remapped, questions the insured, insured says they knew nothing of it.....

The problem with relying on that that is that this isn't a criminal trial and the insurance company don' t have to prove "beyond all reasonable doubt" that the driver knew - they'll work off balance of probabilities.

And the balance of probability is that if someone owns a car with a remapped engine, they'll know about it. If some boy racer driving a tricked out golf/corsa/whatever claimed they didn't know the engine was remapped, would you believe them? I know I wouldn't.

Car_54

Ergates wrote: »

Plus, there is a higher risk that the owner will drive like an idiot.

Plus, there is a higher risk that the owner [STRIKE]will drive like[/STRIKE] is an idiot.

shaun_from_Africa

Sea_Shell wrote: »

I've often wondered this too, with regards "visables", especially optional extras from new.

Many insurers don't class factory fitted extras as modifications.

JustAnotherSaver

George_Michael wrote: »

No, not in the UK as there is no such thing as road tax.
Driving without valid VED however may be a crime.

You what??

Shaun_of_the_Dead

JustAnotherSaver wrote: »

You what??

You heard him, he being pedantic as there hasn't been road tax since the 1930's. It's vehicle excise duty you pay.

dacouch

JustAnotherSaver wrote: »

Who we talking about now?


Anyone specific or just someone you know of?

I'm referring to the OP's Facebook etc, some Insurers will check it in the event of an unusual claim and people with tricked out cars tend to mention it on their Facebook

Sorry I meant the OP's friend

Car_54

dacouch wrote: »

I'm referring to the OP's Facebook etc, some Insurers will check it in the event of an unusual claim and people with tricked out cars tend to mention it on their Facebook

See my post #33;).

Ergates

Shaun_of_the_Dead wrote: »

You heard him, he being pedantic as there hasn't been road tax since the 1930's. It's vehicle excise duty you pay.

It's not really pedantry - calling it "road tax" leads to the quite commonly held belief that motorists have some special entitlement to the roads. See all the "you don't pay road tax" arguments against cyclists. Language is powerful and our choice of words has an impact outside of their direct meaning.

Shaun_of_the_Dead

Ergates wrote: »

It's not really pedantry - calling it "road tax" leads to the quite commonly held belief that motorists have some special entitlement to the roads. See all the "you don't pay road tax" arguments against cyclists. Language is powerful and our choice of words has an impact outside of their direct meaning.

Well it is because everyone know what it's referring to.

How many of us actually own a hoover?

ben501

Shaun_of_the_Dead wrote: »

How many of us actually own a hoover?

I've got 2 hoovers; A Henry and a Shark. I don't own a Hoover though.;)


(sorry, couldn't help it)