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Corsa Sport » Message Board » Help Zone, Modification and ICE Advice » insurance Q - liverpool vic = wot happens if u get pulled? » Post Reply

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Chris220	posted on 11th Jul 04 at 11:15
	quote: Originally posted by James_DT quote: Originally posted by pimpwagon tescos are wankers, they dont do mods at all Ever wonder that maybe that's why they're so cheap? Furthermore, it raises the question of 'order of importance'. Most (sane) people first find/consider a car and then seek insurance quotes to decide whether it is a viable proposition. Buying a car, modding it and then bitching because no-one will insure you is bloody laughable.
James_DT	posted on 11th Jul 04 at 00:21
	quote: Originally posted by pimpwagon tescos are wankers, they dont do mods at all Ever wonder that maybe that's why they're so cheap?
AdiSRI	posted on 11th Jul 04 at 00:12
	quote: Originally posted by Dave Hay liverpool victoria dont replace modded items. WRONG Kris TD is correct, all modded items are covered if u have reciepts (you dont even need these) I am with Liv Vic, i had a crash and they bought/fitted new bodykit bits and alloys etc... and NONE of it was even declared.
harry23	posted on 10th Jul 04 at 22:55
	ne1 have a boot lock for sale:D
twim	posted on 10th Jul 04 at 22:47
	If your bonnet was locked in some way they would need to obtain a warrant to unlock it if you refused haha I heard that applies to your glove box and boot.
harry23	posted on 10th Jul 04 at 22:17
	so if you get pulled by police just coz they feel like it they can MAKE you open your bonnet and see what u got then make sure you're covered for it?
d0gz_bollox	posted on 23rd May 03 at 18:43
	and as long as you have declared everything to the insurance company then the police can not say jack
d0gz_bollox	posted on 23rd May 03 at 18:43
	liverpool victoria are a funny bunch. 700$ fully comp on a 2ltr 16v highly modded nova for a 19 year old with 1 years driving experience and 5 points for speeding. hmmm something wrong there. lol
moddedcorsa	posted on 23rd May 03 at 18:10
	mmm, i think ill phone them on monday then, as when i phoned they said only modds that they need 2 know about are engine ones. Cos i said ive got bumpers, spoiler, lowered etc etc, but they said as long as the performance isnt enchanced, they arent bothered, as all parts will be replaced as std They did mention having proof of modds (photos of them on the car, or receipts)
DODG-E	posted on 23rd May 03 at 17:22
	i mite ring liverpool vic and ask them if in a accident if i get my stuff replaced.. cos it cost an extra £100 for alloys, bonnet vent, spoilers smoothed n that, and exhaust.........
pimpwagon	posted on 23rd May 03 at 17:09
	tescos are wankers, they dont do mods at all
AshMan2	posted on 23rd May 03 at 09:38
	Tesco wont cover me for any mods for some reason. Just got some 17s, rang them up. They told me they wont cover modifications. Now in the process of finding a different company!
dig dave2811	posted on 23rd May 03 at 09:26
	mine says in my policy, that my car is modded, and when i asked them, they said they would replace it to what ever it is that was on it.
Kris TD	posted on 23rd May 03 at 08:01
	quote: Originally posted by Dave Hay liverpool victoria dont replace modded items. they do, its in my policy.
Adam_B	posted on 23rd May 03 at 00:22
	quote: Originally posted by dig dave2811 they should replace like body kits, if u are insured with them and they are declared. thats why u pay more to insure a kitted car as it is worth more than the standard value. threfor, i have a body kit, if i smash the bumper up, they should replace it with the same one. (i payed an extra £40 to have my kit insured on the car) Not realy, most companies just see the car as more likely to get robbed or damaged if its got a kit on, hence a higher premium.
dig dave2811	posted on 22nd May 03 at 22:35
	they should replace like body kits, if u are insured with them and they are declared. thats why u pay more to insure a kitted car as it is worth more than the standard value. threfor, i have a body kit, if i smash the bumper up, they should replace it with the same one. (i payed an extra £40 to have my kit insured on the car)
and-m	posted on 22nd May 03 at 22:21
	My insurance states whats modified (Liv Vic)
Dave Hay	posted on 22nd May 03 at 22:16
	liverpool victoria dont replace modded items.
Kris TD	posted on 22nd May 03 at 21:59
	wierd: 1. liverpool vic told me all my mods were insured provided if i claim i provide evidence it was actually on the car. 2. they said only engine mods that count are engine converisons.
dig dave2811	posted on 22nd May 03 at 21:55
	im with liverpool victoria, and mine insurance went up £36 with body kit , alloys, suspensin, zorst, i had document through saying that these were on the car and been declared. therefor im guesing that if i smshed it up, my alloys would gte replace with what was on the car at the mo. id ring them and make sure mate. they should atleats confirm it in wrighting that your car has been modded.
essexracer	posted on 22nd May 03 at 21:48
	well just say to the pigs that u have only just fitted ur induction kit (for example) and that the letter to the insurance company about it is in the post james
moddedcorsa	posted on 22nd May 03 at 21:11
	Hi, im insured fully comp in ma own name with liv vic, declared my modds, but they said as long as they dont enchance performance they dont need to know exactly what they are.(as the mods arent covered, if im involved in an accident my car will be repaired to std spec) What happens if u get pulled by the pigs and they ask to see if ure modds are declared?(this has happened to a few mates, one didnt have mods declared or covered, and he got a fine) As my insurance documents dont mention mods anywhere? please help, thanks:thumbs: