Had an accident recently when i hit a curb killing my nearside alloy and suspension after being cut up. Only thing is that i changed my 16"s to 17" without telling my insurance company as i heard they dont replace mods when you claim, just charge you for having them. Anyone had a similar experience or have any USEFUL advice. Hoping theyll either leave me to replace it or fit a standard wheel as the car is insured just not the new wheels.
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Mods Not Declared
- Thread starter timbo172cup
- Start date
Had an accident recently when i hit a curb killing my nearside alloy and suspension after being cut up. Only thing is that i changed my 16"s to 17" without telling my insurance company as i heard they dont replace mods when you claim, just charge you for having them. Anyone had a similar experience or have any USEFUL advice. Hoping theyll either leave me to replace it or fit a standard wheel as the car is insured just not the new wheels.
Fingers crossed then.
My cousin smased up his 106 GTi and had lowered it and had a Magnex zorst without declaring them and got them replaced with standard parts. All depends what the insurance company are like i suppose. Im with elephant.
ask connor
Read his thread about his accident. His accident was down to his aftermarket tyre blowing so they can pin the blame on that. Im just wondering whether the fact that my wheels didnt cause my accident will make any difference. Im quite happy to buy a new wheel/tyre if they want.
did u buy the car from new ? if not just tell them that they are the wheels that were on it when u got the car and hope for the best, if it was from new just plead ignorance if they say anything - something like, i did not realise that you had to declare tham as i was just replacing the alloys that were on it for some different alloys type of thing.
that wont work, due diligence might, but you wouldnt get anywhere with pleading ignorance
All sorted last week. Bought a new wheel and spoke to the repair place and they fitted it no questions asked. Bet theyll make a fortune from Elephant anyway. Repainted parts look better than when Renault made them. Cups back in action again. It took over a bloody month for them to finish tho and theyve lost a "2" from one of my CUP 172 badges on the door. E-bay here i come.
lol u where lucky..
i put 17"s on my dynamique n rang renualt insurance saying "my m8s sellin me some cheap.. if i buy them do i have to pay for them to be covered". She said, "yes, if u dont and u crash the policy will become void and we can refuse payment".
Still not declared them, but its costin me £205 extra too on insurance that alrdy £966 >
^^^^ yup you are a fool not to declare mods basically you might as well play russian roulette if you come to claim cuz you stand a fair chance of getting caught out. if the insurance refuse to cover you you stand the chance of paying to sort damage to yours and the other car (whos to say you wont hit something expensive like a bmw or porsche etc) and god forbid someone is hurt or even killed you have no legal cover whatsoever. just as bad as the tw*ts driving round with no insurance at all
ex Clio 172 owner :(
Quote: Originally posted by ShaggyMk2 on 30 October 2004
lol u where lucky..
i put 17"s on my dynamique n rang renualt insurance saying "my m8s sellin me some cheap.. if i buy them do i have to pay for them to be covered". She said, "yes, if u dont and u crash the policy will become void and we can refuse payment".
Still not declared them, but its costin me £205 extra too on insurance that alrdy £966 >
Dude why dont you save the £966 then? What the f is the point in having insurance if its gonna be voided.
Youve effectively paid £966 for a piece of paper whos only value is that you can claim you have valid insurance when you get pulled over for a producer.
You are just as bad as the uninsured drivers on our roads.
Megane 225 Arctic Blue
Dont know the full details of this but is this suggesting that because the tyres were different to factory fit it was classed as a modification? Was it simply different make - i.e.e Goodyear instead of Continental or were therer other factors?
Sorry if I got the wrong end of the stick herer but am curious as to what happened.
Andrew
Lunar Mk1 & Flamer
Quote: Originally posted by ClioDan on 30 October 2004
Quote: Originally posted by Smokey on 30 October 2004
After reading all about conners experiance, i cannot believe some of you
If you cannot afford to pay the premium dont buy the mod, simple as that.
Idiots
did you declare you 2ltr conversion?
touchay!
Did you?
http://forum.cliosport.net/display_topic_threads.asp?ForumID=16&TopicID=116199&PagePosition=5http://forum.cliosport.net/display_topic_threads.asp?ForumID=16&TopicID=116199&PagePosition=5
" This conversion is not registered with DVLA so it is only Gp 12 insurance!" surely having a 2ltr car over a 1.8 is a bigger risk than having alloys on your car or not??
Edit: sorry smokey i dunno if youve registered it on not now if you have the above does not apply
[Edited by Zmaster2k on 31 October 2004 at 1:49am]
i had full write off on my old car, had it loweered full bodykit, induction kit, 17s, bucket seats, lexus lights and leather back seats. was insured with norwich union no mods declared. was a fault claim hit a bmw. claim took 4 months to sort, after playing the innocent and acting as if didnt know i had to declare, they maid me pay the extra of £345 and they paid me out for total write off
Why dont people just declare their mods?
Ive just been quoted an extra £42 to add springs onto my policy (Elephant) - thats for the remaining 7 months up until renewal next year. Do I mind paying it? Yes, Id rather not have to pay but Ive budgeted for it because I see it as an integral part of doing a mod. If you cant afford it, dont do it - simple!
I declared my Magic Tree....
Seriously, like Loony and Smokey have said, if you arent going to declare your mods, you might as well not bother with insurance. That wasnt an invitation to not be insured by the way!
i didnt declare my mods to my insurance company, then i changed to adrian flux and declared them and my policy was reduced by 500. just goes to show that specialist firms are the way to go.
