Delete delete delete

Herzlos

feolojad said:

Ballistic87 said:

Certain stickers, number plate styling, tints etc nothing that would warrant a huge fuss about void insurance if not declared,  if that’s what your trying to get at 

Yeah actually they would give your insurance company an excuse not to pay you out and to reclaim any payouts to a third party from you. Numberplate styling is illegal fullstop. Anything whicih does not conform to the BS standard for numberplates renders the whole plate illegal and if there's no legal numberplate on the vehicle it is treated as if that numberplate does not exist on the car rendering you liable to a £100 fixed penalty notice. So if for example there's just the postcode and name of the company who made the plate not on it then that numberplate does not conform to the legal standard. Changing fonts, size or spacing of letters, using the old 1970s style raised letter plates on a modern car, using a logo of your football team where the EU flag used to go all render your plate illegal.

Tints depending on where they're done can be viewed as obstructing your vision. If you've put any tinting at all on the driver and passenger doors then it's likely those windows are illegal if they were already factory tinted as factory tints are almost at the point where the minimum permissable level of light that can be passed through them is. Adding a tint on top of a factory tint takes the amount of light that comes through the window below the legal level.

The stickers could be seen to increase the risk of theft by making a car more attractive to thieves.

None of that would void the 3rd party liability from the insurer, though the insurance company may try to claim the cost back from you if they feel that the modifications would have invalidated the policy. If they'd still insure the car, they'd also be entitled to claim the difference in premiums.

At least since it's an expired policy you wouldn't need to worry about it being cancelled.

Sandtree

Herzlos said:

None of that would void the 3rd party liability from the insurer, though the insurance company may try to claim the cost back from you if they feel that the modifications would have invalidated the policy. If they'd still insure the car, they'd also be entitled to claim the difference in premiums.

At least since it's an expired policy you wouldn't need to worry about it being cancelled.

Actually they're not entitled to claim the difference in premiums; the Insurance Act 2015 only gives two options, cancelling the policy or reducing claims by the same proportion as the underpayment of premiums is. Clearly they can ask you to pay the additional premiums and in exchange reinstate full cover but they cannot force you to do so.

Given this was a non-disclosure from inception issue they could still void the policy retrospectively and therefore create an issue for you going forward. They would still be the RTA insurer for any other accidents that come out of the woodwork because the certificate of insurance was valid at that time but as RTA insurer they are entitled to recover their outlay from either the driver of the vehicle or the policyholder (if the policyholder was complicit)

born_again

Op does not need to see the video. All they need is a single frame showing their car stopped in front of the bus & the damage on it.

anotheruser

But as the OP has decided not to come back recently, it's yet another mystery that will never be solved.

Ballistic87

anotheruser said:

But as the OP has decided not to come back recently, it's yet another mystery that will never be solved.

I sent them an email stating im accepting no liability whatsoever until it allowed to see the cctv which supposedly is showing me. 

Car_54

Ballistic87 said:

anotheruser said:

But as the OP has decided not to come back recently, it's yet another mystery that will never be solved.

I sent them an email stating im accepting no liability whatsoever until it allowed to see the cctv which supposedly is showing me. 

In your contract with them, you've given them the right to accept responsibility on your behalf.

AdrianC

AdrianC said:

Ballistic87 said:

AdrianC said:

Ballistic87 said:

Recieved this email today. 

Have viewed the dashcam/cctv as per our discussion yesterday, 

This is clearly your vehicle seen in the video. There is a nice clear close up of your vehicle reg and it matches make, model and colour of your vehicle from the time of the incident. 

And as for these "unique bits of kit" fitted to your car?

Certain stickers, number plate styling, tints etc nothing that would warrant a huge fuss about void insurance if not declared,  if that’s what your trying to get at 

I'm asking you if the photos show them or not...

As well as them having the right to accept liability, we seem not to have had an answer to this...

"My car looks unique because of modifications from standard"
Are they in the cctv?
"They won't affect the policy!"
But are they shown in the video?
"<silence>"

All it needs is to ask the insurer if the car in the image matches <attached photo>.
If either these mods have been declared or they won't be an issue, why wouldn't you?

Occam's Razor does give one possibility.

Ballistic87

AdrianC said:

AdrianC said:

Ballistic87 said:

AdrianC said:

Ballistic87 said:

Recieved this email today. 

Have viewed the dashcam/cctv as per our discussion yesterday, 

This is clearly your vehicle seen in the video. There is a nice clear close up of your vehicle reg and it matches make, model and colour of your vehicle from the time of the incident. 

And as for these "unique bits of kit" fitted to your car?

Certain stickers, number plate styling, tints etc nothing that would warrant a huge fuss about void insurance if not declared,  if that’s what your trying to get at 

I'm asking you if the photos show them or not...

As well as them having the right to accept liability, we seem not to have had an answer to this...

"My car looks unique because of modifications from standard"
Are they in the cctv?
"They won't affect the policy!"
But are they shown in the video?
"<silence>"

All it needs is to ask the insurer if the car in the image matches <attached photo>.
If either these mods have been declared or they won't be an issue, why wouldn't you?

Occam's Razor does give one possibility.

None Of the mods would’ve affected my insurance, whether declared   or not not. I’ve already clarified that’s with them    

AdrianC

Ballistic87 said:

AdrianC said:

AdrianC said:

Ballistic87 said:

AdrianC said:

Ballistic87 said:

Recieved this email today. 

Have viewed the dashcam/cctv as per our discussion yesterday, 

This is clearly your vehicle seen in the video. There is a nice clear close up of your vehicle reg and it matches make, model and colour of your vehicle from the time of the incident. 

And as for these "unique bits of kit" fitted to your car?

Certain stickers, number plate styling, tints etc nothing that would warrant a huge fuss about void insurance if not declared,  if that’s what your trying to get at 

I'm asking you if the photos show them or not...

As well as them having the right to accept liability, we seem not to have had an answer to this...

"My car looks unique because of modifications from standard"
Are they in the cctv?
"They won't affect the policy!"
But are they shown in the video?
"<silence>"

All it needs is to ask the insurer if the car in the image matches <attached photo>.
If either these mods have been declared or they won't be an issue, why wouldn't you?

Occam's Razor does give one possibility.

None Of the mods would’ve affected my insurance, whether declared   or not not. I’ve already clarified that’s with them    

Lovely... Now, do the CCTV pics SHOW these mods or not?

Ballistic87

It’s hard to explain. I need to see the cctv myself come to see its basically my diffuser style, I know it’s really subtle but I would rather show the difference myself (if they let me see) as I feel they will not be able To differentiate if i show them only.