Used car compensation for " repairs"

whatsthenews

born_again said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

So you knew there were modifications to the exhaust then...
Did no one think to ask exactly these were? 

Yes , he knew it had modifications to the exhaust. All stage 3 cars( and I think stage 2s maybe but not an expert) have exhaust modifications. The car originally had 2 cats and whilst he knew  that it's common to remove one of the cats he understood that for a car to be road legal it had to have a cat, and that in modified cars it was a sports cat.  

He didn't ask if it had a cat because he assumed that as nobody at any point told him it wasn't road legal , suggested he couldn't drive it away or needed a trailer to collect it, or that it had one. 
Just because something is described as a track car, does not mean it can not be road legal. 
I agree . I don't  think the term means very much legally , but the dealer  seems to think that they sold him one  and that means he should have known it wasn't road legal and wouldn't pass an MOT because it would fail the emissions and then they'd poke about and discover it didn't have a cat. This  despite the fact that they didn't describe it as such in any adverts or in any of the emails they sent back and forth before he decided to make the 300 mile journey down there.  

whatsthenews

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

k3lvc

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

whatsthenews

k3lvc said:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

But this was completely non  road legal, not on the  "outer limits"
As you say, anyone who knowingly buys a car without a cat  doesn't take it to a random MOT testing station , because they know it'll fail the emissions test. 
So surprised that given the fact that most people have probably had a less than satisfactory experience buying a used car ( you know the saying " he's like a used car salesman"?)so many would rather put the buyer in the wrong and defend the dealer. 

Aylesbury_Duck

whatsthenews said:

k3lvc said:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

But this was completely non  road legal, not on the  "outer limits"
As you say, anyone who knowingly buys a car without a cat  doesn't take it to a random MOT testing station , because they know it'll fail the emissions test. 
So surprised that given the fact that most people have probably had a less than satisfactory experience buying a used car ( you know the saying " he's like a used car salesman"?)so many would rather put the buyer in the wrong and defend the dealer. 

What would you gain from a load of anonymous strangers agreeing with you?  

People "defending the dealer" are actually making you think carefully about your case and what you'll need to do to get the outcome you want.  If you can't counter reasonable arguments from people on here, you stand little chance in a consumer rights dispute or in court.

ItsComingRome

whatsthenews said:

k3lvc said:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

But this was completely non  road legal, not on the  "outer limits"
As you say, anyone who knowingly buys a car without a cat  doesn't take it to a random MOT testing station , because they know it'll fail the emissions test. 
So surprised that given the fact that most people have probably had a less than satisfactory experience buying a used car ( you know the saying " he's like a used car salesman"?)so many would rather put the buyer in the wrong and defend the dealer. 

You bought a boy racer car from a performance dealer.  This isn't a case of just "buying a used car from a dealer. " It was a souped up car advertised as a track car from a dealership dealing in ricers.

You didn't do your research.  Caveat emptor.

Manxman_in_exile

I'd have to say I was generally inclined to side with the OP's "young relative" - until I read this:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

... Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

whatsthenews

Aylesbury_Duck said:

whatsthenews said:

k3lvc said:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

But this was completely non  road legal, not on the  "outer limits"
As you say, anyone who knowingly buys a car without a cat  doesn't take it to a random MOT testing station , because they know it'll fail the emissions test. 
So surprised that given the fact that most people have probably had a less than satisfactory experience buying a used car ( you know the saying " he's like a used car salesman"?)so many would rather put the buyer in the wrong and defend the dealer. 

What would you gain from a load of anonymous strangers agreeing with you?  

People "defending the dealer" are actually making you think carefully about your case and what you'll need to do to get the outcome you want.  If you can't counter reasonable arguments from people on here, you stand little chance in a consumer rights dispute or in court.

Rubbish. Counter argument's  a waste of time when people aren't even reading ( or comprehending ) what's written. 

whatsthenews

Manxman_in_exile said:

I'd have to say I was generally inclined to side with the OP's "young relative" - until I read this:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

... Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

So using your acceleration and  lifting off at lights still within the speed limits is synonymous with being stupid enough to buy a non road legal car? Heaven's above. 

whatsthenews

ItsComingRome said:

whatsthenews said:

k3lvc said:

whatsthenews said:

k3lvc said:

whatsthenews said:

The insurance company didn't ask for specifics re the modifications. He told them it was tuned to Stage 3 and had had modifications to the air intake, turbocharger  and exhaust system and they didn't ask anything else.

Seems strange given most insurance companies micro-management of modifications. Are you sure you're getting the full story from son and not the edited version after his dream/flash car failed it's MOT ? (speaking from experience as someone who's been in a similar position with motorbikes in the past )

What would the unedited version sound like? Keen to hear as maybe it's something that I haven't already thought of and discounted as making no sense and / or totally out of character. I think people think he's a " boy racer " type . He's not at all.. He worries about the neighbours if he has to go out to work early because its loud for about  15 secs in cold start. Doesn't fly about in it ( (can't afford the petrol) , just likes to burn  off the odd cocky driver at lights every now and again.

As with many things heart often rules head and the story he tells his mates 'may' be different to the story he tells you.

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

Historically it's not been to difficult to either find an MOT station that didn't look hard at whether a cat existed in an (original looking) exhaust or just turned a complete blind eye to it - the test was made stricter and very little that's now been subject to decat will now get through (unless of course the original is refitted for the test and removed immediately afterwards )

Likewise the insurance company is (very) unlikely to have just accepted the broad-brush engine/suspension/exhaust modifications - they'll have to know details, power added, costs etc - again he might be simplifying the story to you to avoid looking silly for his purchase decision

Your sentence sums it up - that's exactly what 'boy racer'/'flying about in it' is - I may be 50 but I'm reliving my youth in a similar way (albeit un-tuned but with manufacturers performance parts fitted) and some of the points you make are exactly what I'd tell the wife 

Anyone buying a stage 3 tuned car knows exactly what they're getting into and that it often comes with risks of being on the outer limits of (road) legal

But this was completely non  road legal, not on the  "outer limits"
As you say, anyone who knowingly buys a car without a cat  doesn't take it to a random MOT testing station , because they know it'll fail the emissions test. 
So surprised that given the fact that most people have probably had a less than satisfactory experience buying a used car ( you know the saying " he's like a used car salesman"?)so many would rather put the buyer in the wrong and defend the dealer. 

You bought a boy racer car from a performance dealer.  This isn't a case of just "buying a used car from a dealer. " It was a souped up car advertised as a track car from a dealership dealing in ricers.

You didn't do your research.  Caveat emptor.

Maybe read the thread and come back and tell me where You said  it was advertised as a track car? That's been  one of the main points of my argument from the start. Leaves your counter argument dead in the water really.