Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Ben G
but technically, if his insurance allows him, in the event of an accident where the insurance company come and inspect the car and find said non declared mods, they could let him pay for them there and then, meaning his insurance is not invalid at all.
al they do is back date the payments for the modifications to when you first took out the policy.
what.the.hell.are.you.on.about.
so.i.could.insure.a.metro.make.it.into.a.ferrari.then.only.pay.metro.insurance.until.i.crashed
get.a.grip
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Limecat
Banned
Registered: 25th Jun 05
Location: The Internet
User status: Offline
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Muppetsport, are you Teknobry? 
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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i.dont.know.what.that.means
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Limecat
Banned
Registered: 25th Jun 05
Location: The Internet
User status: Offline
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Nor.does.teknobry.
Oh.I.have.been.told.the.same.as.Ben.G.is.posting.above.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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my.space.bar.is.broken.btw
ive.never.heard.of.that.and.to.be.honest.sounds.shady.as.fuck.as.technically.your.not.covred.properly.unless.youcrash.whats.that.all.about
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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http://cgi.ebay.co.uk/Apple-iMac-PowerMac-Graphite-Keyboard-Good-Condition_W0QQitemZ260187745358QQihZ016QQcategoryZ4601QQssPageNameZWDVWQQrdZ1QQcmdZViewItem
kayboard for you nic
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blebo
Member
Registered: 18th Apr 02
User status: Offline
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quote:
Originally posted by Ben G
but technically, if his insurance allows him, in the event of an accident where the insurance company come and inspect the car and find said non declared mods, they could let him pay for them there and then, meaning his insurance is not invalid at all.
al they do is back date the payments for the modifications to when you first took out the policy.
Thats a big if...
Also what if they turn around and say, well you can back date the mods..that will be an extra £10K please sir.
You then have a choice of a £10K bill or no insurance (= at least £200 fine and six points!!)
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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theres no way the insurance would allow you to back date your payments on your mods, they will try and get out of paying out if they can, not make it easier for you to get them to pay out
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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I got told by a lad at an insurance brokers that there is no point in declaring re-maps, headwork, cams or any internal work. What you can't see don't declare. Theres never been any case of an insurance company stripping an engine to look at mods.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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quote:
Originally posted by Ben G
insurance company come and inspect the car and find said non declared mods, they could let him pay for them there and then, meaning his insurance is not invalid at all.
al they do is back date the payments for the modifications to when you first took out the policy.
Carlsberg don't do car insurance..... but if they did.................
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Steve
theres no way the insurance would allow you to back date your payments on your mods, they will try and get out of paying out if they can, not make it easier for you to get them to pay out
well sorry steve but you are wrong i have all the paperwork from CHURCHILL CAR INSURANCE here are you saying i'm lieing?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by muppetsport
quote:
Originally posted by Ben G
but technically, if his insurance allows him, in the event of an accident where the insurance company come and inspect the car and find said non declared mods, they could let him pay for them there and then, meaning his insurance is not invalid at all.
al they do is back date the payments for the modifications to when you first took out the policy.
what.the.hell.are.you.on.about.
so.i.could.insure.a.metro.make.it.into.a.ferrari.then.only.pay.metro.insurance.until.i.crashed
get.a.grip
again, you are wrong aswell. my car insurer allowed the modifications to be added to my policy after the accident which wasn't my fault meaning my insurance wasn't invalid.
i'm not sure if they would do this if the accident was your fault. but i was the third party in the accident so could have been a reason why they did it?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by Ben G
quote:
Originally posted by Steve
theres no way the insurance would allow you to back date your payments on your mods, they will try and get out of paying out if they can, not make it easier for you to get them to pay out
well sorry steve but you are wrong i have all the paperwork from CHURCHILL CAR INSURANCE here are you saying i'm lieing?
yes, what you claim is ridiculous, basically i could insure a lambo as a corsa then when i crash pay to insure it as a lambo and get a payout.
im sure in your case because the crash wasnt your fault they agreed to do it as they weren't paying out, however it wouldve been a different kettle of fish if the accident was your fault
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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quote:
Originally posted by Dean_W
I got told by a lad at an insurance brokers that there is no point in declaring re-maps, headwork, cams or any internal work. What you can't see don't declare. Theres never been any case of an insurance company stripping an engine to look at mods.
Makes sense 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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probably steve, but we'll never know. i understand where you are coming from though, i just don't like to be called a liar when i'm not
but yeah in short, it is a silly idea not delaring modifications. costs you more in the long run - i had to pay £600 extra just to add the alloys and exhaust to my policy.
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Ian_GTI
Member
Registered: 26th Mar 07
User status: Offline
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a bird just shitted on my car should i declare it?
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Ben G
quote:
Originally posted by muppetsport
quote:
Originally posted by Ben G
but technically, if his insurance allows him, in the event of an accident where the insurance company come and inspect the car and find said non declared mods, they could let him pay for them there and then, meaning his insurance is not invalid at all.
al they do is back date the payments for the modifications to when you first took out the policy.
what.the.hell.are.you.on.about.
so.i.could.insure.a.metro.make.it.into.a.ferrari.then.only.pay.metro.insurance.until.i.crashed
get.a.grip
again, you are wrong aswell. my car insurer allowed the modifications to be added to my policy after the accident which wasn't my fault meaning my insurance wasn't invalid.
i'm not sure if they would do this if the accident was your fault. but i was the third party in the accident so could have been a reason why they did it?
basically.your.fuckin.stupid.you.are.not.right.at.all.you.will.find.
are.you.that.fuckin.daft.so.you.could.do.an.engine.change.pay.for.it.as.a.1litre.then.when.you.crash.you.only.then.pay.the.back.payments.so.if.you.never.crash.you.only.pay.1litre.insurance
what.a.fuckin.chump.never.in.a.million.years.is.that.correct.as.at.any.time.you.drive.your.car.its.illegal.if.the.police.stop.and.check.what.do.you.do.
say.oh.its.ok.officer.i.will.just.pay.the.3grand.extra.for.the.last.2.years.right.now.
get.a.grip.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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tbh i think you should draw a line with it when your doin mods, i mean my insurance company know about my wheels and it being lowered and the exhaust, they dont know about it being colour coded and the grill and and any ice or my side reps, i mean theres being covered and fully insured then theres pissing in the wind imo
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Ben G
probably steve, but we'll never know. i understand where you are coming from though, i just don't like to be called a liar when i'm not
you.are.a.liar.and.trying.to.convicne.people.that.insurance.fraud.is.ok.as.you.can.back.date.your.payments
why.get.a.quote.for.anything.then.
your.a.liar.and.you.are.stupid.well.done.supid.liar.
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Mertin
Member
Registered: 12th Oct 05
Location: Scotland
User status: Offline
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quote:
Originally posted by CorsaB4ever
tbh i think you should draw a line with it when your doin mods, i mean my insurance company know about my wheels and it being lowered and the exhaust, they dont know about it being colour coded and the grill and and any ice or my side reps, i mean theres being covered and fully insured then theres pissing in the wind imo
I agree, same with a set of smoked headlights, gsi spoiler etc. If you crash and their still intact rip them off before the insurance come and look at the car
Insurance is bad enough for young drivers nowdays without declaring mods and making it even more expensive
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by muppetsport
quote:
Originally posted by Ben G
probably steve, but we'll never know. i understand where you are coming from though, i just don't like to be called a liar when i'm not
you.are.a.liar.and.trying.to.convicne.people.that.insurance.fraud.is.ok.as.you.can.back.date.your.payments
why.get.a.quote.for.anything.then.
your.a.liar.and.you.are.stupid.well.done.supid.liar.
piss off, i have the paperwork here proving it you cunt...
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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so for the first time you obviously don't know anything. it took me ages to argue the case to them that i will pay the excess for the modifications and in the end they allowed me to do it. probably due to the fact i was the third party in the accident as they would reclaim all costs off the other blokes insurer.
am i wiser because of it? yes
was i stupid? yes
have i learned? yes
are you a fucking wanker for calling me a liar when it was my car and my insurance and i know what i paid for? yes
[Edited on 04-12-2007 by Ben G]
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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no need for that level of name calling ben g
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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scan.paperwork.in.then.as.there.is.no.way.that.is.correct
are.you.telling.me.i,could.insure.my.car.as.a.1.litre.with.a.400+bhp.turbo.engine.and.only.have.to.pay.the.proper.rate.if.i.crash
clown.fuckin.clown.
illegal.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i've had enough of being branded a liar when they allowed me to do it. it's just like saying you don't own a skoda or muppetsports corsa is a ford ka...
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