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Author insurance question
K@R£N
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Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 00:32   View User's Profile U2U Member Reply With Quote
i was just wonderin if u tell ur insurance company that u haven't modified your car wen u av (wheels n suspension) if it really would invalidate it. Has anyone got any experience wit this.

Its just i'm saving for insurance n its obviuosly more if my car is modified so i need to know if i can get away wit it sum how?????????

[Edited on 02-03-2006 by K@R£N]
CorsAsh
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Registered: 19th Apr 02
Location: Munich
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2nd Mar 06 at 00:34   View User's Profile U2U Member Reply With Quote
Think of it this way, if you change the wheels and suspension and don't tell them, your insurance is invalid as you're essentially driving a different car.

Just tell them, it's not worth it if you have a prang and get found out. Especially if Police are involved, cos that's 7 points on your licence for driving without insurance too...
K@R£N
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Registered: 12th Feb 06
Location: england
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2nd Mar 06 at 00:36   View User's Profile U2U Member Reply With Quote
wow i neva knew that, for sum reason i'll b tellin them lol
ed
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Registered: 10th Sep 03
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2nd Mar 06 at 00:36   View User's Profile U2U Member Reply With Quote
Especially as it will cost about £50-£100 more to declare. No point in risking it.
VegasPhil
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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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2nd Mar 06 at 00:37   View Garage View User's Profile U2U Member Reply With Quote
Yes, it would invalidate the insurance if you don't declare your mods. A lot of people drive without declaring their mods to the insurer and have to live with the risk of crashing and the company not paying out.

You may think, Yeah, i'll take that risk. But if you think like that then why bother getting insured in the first place! I was insured for the first year without declaring my mods, and it was always something I was worried about when driving the car. This year I have declared the mods, and it didn't cost much extra and the company was pretty sound about it. Better peace of mind too.

When shopping around for insurance make sure you ask if the company covers mods. I was with Churchill who don't cover the mods (Even though I asked). Asda, who I'm with this year cover mods.

Hope that helps!

[Edited on 02-03-2006 by VegasPhil]

Corsa 2.0 16v Vegas - Sold
K@R£N
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Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 00:41   View User's Profile U2U Member Reply With Quote
cheers, all replies have helped but it wasn't wat i wanted to hear lol, oh well a bit more saving up to be done lol
ed
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Registered: 10th Sep 03
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2nd Mar 06 at 00:41   View User's Profile U2U Member Reply With Quote
A few companys let you have simple mods like lowering and alloys for free too...
K@R£N
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Registered: 12th Feb 06
Location: england
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2nd Mar 06 at 00:49   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ed
A few companys let you have simple mods like lowering and alloys for free too...


u cunt giv me sum examples cud u???

[Edited on 02-03-2006 by K@R£N]
ed
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Registered: 10th Sep 03
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2nd Mar 06 at 00:51   View User's Profile U2U Member Reply With Quote
Errrrr..... HIC rings a bell. Not sure, but a few people on here boast about stuff like that on thier policies...
K@R£N
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Registered: 12th Feb 06
Location: england
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2nd Mar 06 at 00:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ed
Errrrr..... HIC rings a bell. Not sure, but a few people on here boast about stuff like that on thier policies...

ok thanx, if u find out or remember any more pls let me know. thanx
Rob B
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Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
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2nd Mar 06 at 00:55   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by K@R£N
quote:
Originally posted by ed
A few companys let you have simple mods like lowering and alloys for free too...


u cunt giv me sum examples cud u???

[Edited on 02-03-2006 by K@R£N]


Dont call Ed a Cnut !
ed
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Registered: 10th Sep 03
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2nd Mar 06 at 00:55   View User's Profile U2U Member Reply With Quote
Yea, well, pop a post up during the day on here and somone might be able to help. At night time you only get useless people who should be in bed trying to remember stuff
ed
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Registered: 10th Sep 03
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2nd Mar 06 at 00:56   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Rob B
quote:
Originally posted by K@R£N
quote:
Originally posted by ed
A few companys let you have simple mods like lowering and alloys for free too...


u cunt giv me sum examples cud u???

[Edited on 02-03-2006 by K@R£N]


Dont call Ed a Cnut !
I read that about 25 times, then realised it said couldn't in shorthand. Well, I fucking hope it does.
CorsAsh
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Registered: 19th Apr 02
Location: Munich
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2nd Mar 06 at 00:59   View User's Profile U2U Member Reply With Quote
I seem to remember Liverpool Victoria allow mods that don't affect engine performance for little or no extra cost.
John
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Registered: 30th Jun 03
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2nd Mar 06 at 01:00   View User's Profile U2U Member Reply With Quote
I kno all the stories about it being invalidated etc and I wouldn't do it but does anybody actually have 1st hand experience of the situation?
K@R£N
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Registered: 12th Feb 06
Location: england
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2nd Mar 06 at 01:02   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ed
quote:
Originally posted by Rob B
quote:
Originally posted by K@R£N
quote:
Originally posted by ed
A few companys let you have simple mods like lowering and alloys for free too...


u cunt giv me sum examples cud u???

[Edited on 02-03-2006 by K@R£N]


Dont call Ed a Cnut !
I read that about 25 times, then realised it said couldn't in shorthand. Well, I fucking hope it does.

course it does lol
K@R£N
Member
Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 01:05   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by K@R£N
quote:
Originally posted by ed
quote:
Originally posted by Rob B
quote:
Originally posted by K@R£N
quote:
Originally posted by ed
A few companys let you have simple mods like lowering and alloys for free too...


u cunt giv me sum examples cud u???

[Edited on 02-03-2006 by K@R£N]


Dont call Ed a Cnut !
I read that about 25 times, then realised it said couldn't in shorthand. Well, I fucking hope it does.

course it does lol quite funny how u noticed that lol, sorry if i offenended ya
CorsAsh
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Registered: 19th Apr 02
Location: Munich
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2nd Mar 06 at 01:11   View User's Profile U2U Member Reply With Quote
Now's your chance ed, think of a way for her to make it up to you
K@R£N
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Registered: 12th Feb 06
Location: england
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2nd Mar 06 at 01:13   View User's Profile U2U Member Reply With Quote
lol wud u do such a thing to a new comer like me, i'm just new girl who dunt reaaly know alot lol
CorsAsh
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Registered: 19th Apr 02
Location: Munich
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2nd Mar 06 at 01:16   View User's Profile U2U Member Reply With Quote
Have you been asked for pics yet?
K@R£N
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Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 01:19   View User's Profile U2U Member Reply With Quote
yeh but i ant giv any out lol, well i showed a pic of my car







i fink its an ace 1st car 4 me lol, wot u fink
John
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Registered: 30th Jun 03
User status: Offline
2nd Mar 06 at 01:21   View User's Profile U2U Member Reply With Quote
I want to know who designed they steering wheels.
I don't think i've seen a worse steering wheel.
K@R£N
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Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 01:22   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by John
I want to know who designed they steering wheels.
I don't think i've seen a worse steering wheel.


hey dont b nasty, its my 1st car, my baby
John
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Registered: 30th Jun 03
User status: Offline
2nd Mar 06 at 01:23   View User's Profile U2U Member Reply With Quote
Lol sorry.
Wasn't a bad comment about your car.
Very nice 1st car.
Its just they steering wheels
K@R£N
Member
Registered: 12th Feb 06
Location: england
User status: Offline
2nd Mar 06 at 01:24   View User's Profile U2U Member Reply With Quote
lol its ok, i know its not a gud car like all u lot av but it will be 1 day

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