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

Ergates

Shaun_of_the_Dead wrote: »

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

How many of us actually own a hoover?

Except there are no consequences calling a Dyson/Henry/Electrolux/etc a hoover.

There *are* consequences to calling VED "Road Tax" - the aforementioned commonly held belief that motorists who pay VED should have priority on the roads because they're paying for them with their *road tax*.

Shaun_of_the_Dead

Ergates wrote: »

Except there are no consequences calling a Dyson/Henry/Electrolux/etc a hoover.

There *are* consequences to calling VED "Road Tax" - the aforementioned commonly held belief that motorists who pay VED should have priority on the roads because they're paying for them with their *road tax*.

There aren't any consequences by calling it road tax. People who think that way don't do it because of the name wrongly put on it. They think the same way about insurance and think cyclists should also pay it.

shaun_from_Africa

Shaun_of_the_Dead wrote: »

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

How many of us actually own a hoover?

Even if people are aware of what is being referred to, this doesn't make it any the less incorrect.
The poster in question was referring to a crime being committed and in instances such as that, I don't see anything wrong with any other poster pointing out that such a crime doesn't actually exist on the UK statute books.

I'm sure that if there was another thread running and someone got the name of a traffic offence incorrect, you would immediately jump on them and correct it.

Car_54

shaun_from_Africa wrote: »

Even if people are aware of what is being referred to, this doesn't make it any the less incorrect.
The poster in question was referring to a crime being committed and in instances such as that, I don't see anything wrong with any other poster pointing out that such a crime doesn't actually exist on the UK statute books.

I assume you're referring to "Driving without valid VED however may be a crime."
The actual crime is "using" rather than driving, but that's a bit pedantic.

ndf9876

A map can be discovered even if it's been removed with the use of an OBD reader which all garages will use.

Good luck to the person who doesn't declare a remap then has an accident. I'd suggest the risk of their insurer not paying out on that claim is high, let alone the inability to get insurance in the future.

Shaun_of_the_Dead

ndf9876 wrote: »

A map can be discovered even if it's been removed with the use of an OBD reader which all garages will use.

Good luck to the person who doesn't declare a remap then has an accident. I'd suggest the risk of their insurer not paying out on that claim is high, let alone the inability to get insurance in the future.

For a low value claim who would look at the mapping?

facade

Shaun_of_the_Dead wrote: »

For a low value claim who would look at the mapping?

Exactly.


But for a multimillion pound claim they certainly will, and the multimillion pound claim is the one where you really really need the insurance to be valid.;)

bartelbe

Bit of a can of worms this one. For someone like me, who buys bangers, sub £1000 dealer cars or private sales, there is noway for me to know if a car had been remapped, if it looks standard and the seller doesn't declare it to me.

Frankly if the seller declared such a thing, I would walk away, I don't want the extra insurance costs. However I wouldn't have the first clue how to actually check for such a thing.

onomatopoeia99

ndf9876 wrote: »

A map can be discovered even if it's been removed with the use of an OBD reader which all garages will use.

Good luck to the person who doesn't declare a remap then has an accident. I'd suggest the risk of their insurer not paying out on that claim is high, let alone the inability to get insurance in the future.

The risk of them not paying out to third parties is zero.

fimacdoodle

I used to work for car insurance companies, investigating claims. If they get wind of any non-declared modifications they will try their best to not pay out. Some types of cars are often tweaked. They are easy to spot. Whether or not the insurers check is a matter of chance. Some are lazy.
This gets very messy if there is serious injury........perhaps to someone in your own car.