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Author Insurance question, surely they are wrong.
Makarus
Member

Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
13th Mar 03 at 14:22   View User's Profile U2U Member Reply With Quote

My insurance is replacing my exhaust but they cannot find the same one anywhere, they are saying the closest they can find is a Stainless Steel Piper, but the one I have is galvenised steel. If they replace with SS they want another £350 off me for a performance mod but surely that aint right.

I wasn't at fault in this accident so surely the other insurance company should stump up my increased premium.
stuyw
Member

Registered: 15th May 02
Location: North West Drives: Rev3 MR2 Turbo
User status: Offline
13th Mar 03 at 14:42   View User's Profile U2U Member Reply With Quote

i think they r raping u on that m8
Hintz
Member

Registered: 8th Aug 02
Location: Surrey Nr.Guildford Car: Astra Gsi (rep)
User status: Offline
13th Mar 03 at 14:45   View User's Profile U2U Member Reply With Quote

If you declared the exhaust as an aftermarket mod and they accepted, they SHOULD find an Exact copy of what you had

Or replace it with something better

Otherwise it dont work out does it?

Look at it an easier way.......

You go into Argos and buy a 32" TV, you take it home, and its fúcked......When you go back to the shop they dont say "Sorry sir, we dont have any more 32" Tv's left........But we do have this 28" tv......But you will have to pay us an extra £300"

See what i mean? Consult a solicitor
Kerry
Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline
13th Mar 03 at 14:47   View User's Profile U2U Member Reply With Quote

if the accident is not ure fault then why is ure insurance replacing the exhaust anyway???? shouldnt it be other persons?
StuartGee
Member

Registered: 10th Dec 02
Location: Ellon, Aberdeenshire
User status: Offline
13th Mar 03 at 14:47   View User's Profile U2U Member Reply With Quote

Read your small print etc and quote it back to them. Hintz is right, all insurance companies state they will replace with exact or better goods.
Think they're raping you here!
StuartGee
Member

Registered: 10th Dec 02
Location: Ellon, Aberdeenshire
User status: Offline
13th Mar 03 at 14:49   View User's Profile U2U Member Reply With Quote

Kerry - Your insurance company will pay for all repairs etc then claim back from other company. If they dont get their money back, thats when they take away your NCB, if they do get it all back, everyones a winner!!
corsa_lad
Member

Registered: 8th Apr 02
Location: Bothwell, South Lanarkshire
User status: Offline
13th Mar 03 at 14:52   View User's Profile U2U Member Reply With Quote

see if u have a crash with undeclared mods say exhaust and suspension and the other person is to blame for the crash and their company pays for damage but no mods were damaged can ur insurance company still moan about them not being declared?? or can they cancel ur insurance??
DanielJ
Member

Registered: 21st Nov 01
Location: gwent, south wales
User status: Offline
13th Mar 03 at 14:53   View User's Profile U2U Member Reply With Quote

he did declare his exhaust on his insurance an wen it had 2 be repaired vaux took fotos and then they added the exhaust 2 the policy after the accident
Kerry
Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline
13th Mar 03 at 14:53   View User's Profile U2U Member Reply With Quote

well speakin from experience it doesnt matter wot u have declared and wot u havnt if ure insurance company arnt payin out then it doesnt come into it. my ex's vectra had blacked out windows, alloys and lowered all of which he didnt declare. someone ran into him and he got it all replaced like for like and all tesco (his insurance) said was that the policy needed to be amended
stuyw
Member

Registered: 15th May 02
Location: North West Drives: Rev3 MR2 Turbo
User status: Offline
13th Mar 03 at 15:01   View User's Profile U2U Member Reply With Quote

but they can be arsey if they want though, but ur better off declaring ur mods coz next time the accident could b ur fault

Makarus
Member

Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
13th Mar 03 at 16:05   View User's Profile U2U Member Reply With Quote

The exhuast is covered, it has been back dated.

I think its totally wrong.

The way it works is I claim from my insurance and they claim back off the other person. Even though it was their fault my insurance company were well within their rights to cancel my policy and refuse to sort it, and I cant claim directly through the other insurance company as there is loads of red tape surrounding it.

Its a bitch and I will have to cosult them about it futher, its bang out of order I think.

All my mods are now covered and my future mods have been covered now aswell.

 
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