moddedcorsa
Member
Registered: 15th Aug 02
Location: Argyll, West scotland
User status: Offline
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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
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essexracer
Member
Registered: 11th Apr 02
User status: Offline
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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
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dig dave2811
Member
Registered: 6th Jan 03
Location: newport sout wales WCM
User status: Offline
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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.
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Kris TD
Member
Registered: 25th Mar 02
Location: Ware, Hertfordshire
User status: Offline
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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.
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Dave Hay
Member
Registered: 10th Apr 02
Location: Aberdeenshire
User status: Offline
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liverpool victoria dont replace modded items.
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and-m
Member
Registered: 5th May 02
Location: Liverpool. Drives. Skud vRS.
User status: Offline
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My insurance states whats modified (Liv Vic)
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dig dave2811
Member
Registered: 6th Jan 03
Location: newport sout wales WCM
User status: Offline
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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)
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Adam_B
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Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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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.
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Kris TD
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Registered: 25th Mar 02
Location: Ware, Hertfordshire
User status: Offline
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quote:
Originally posted by Dave Hay
liverpool victoria dont replace modded items.
they do, its in my policy.
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dig dave2811
Member
Registered: 6th Jan 03
Location: newport sout wales WCM
User status: Offline
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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.
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AshMan2
Member
Registered: 13th Feb 03
Location: Doncaster
User status: Offline
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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!
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pimpwagon
Member
Registered: 29th Sep 02
Location: Crawley Down
User status: Offline
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tescos are wankers, they dont do mods at all
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DODG-E
Member
Registered: 24th Jan 03
Location: Romford, Essex
User status: Offline
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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.........
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moddedcorsa
Member
Registered: 15th Aug 02
Location: Argyll, West scotland
User status: Offline
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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)
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d0gz_bollox
Member
Registered: 8th Apr 02
Location: Walsall
User status: Offline
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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
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d0gz_bollox
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Registered: 8th Apr 02
Location: Walsall
User status: Offline
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and as long as you have declared everything to the insurance company then the police can not say jack
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harry23
Member
Registered: 23rd May 04
Location: basingstoke
User status: Offline
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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?
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twim
Member
Registered: 3rd Jan 04
User status: Offline
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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.
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harry23
Member
Registered: 23rd May 04
Location: basingstoke
User status: Offline
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ne1 have a boot lock for sale
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AdiSRI
Member
Registered: 1st May 02
Location: Berkshire
User status: Offline
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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.
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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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?
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Chris220
Member
Registered: 30th Mar 02
Location: Oxford, Oxon Drives: Corsa C 1.8 SRi
User status: Offline
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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.
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