M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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Three days ago my mate completely wrote off his corsa!
three years of his money down the drain it was a minter too!
Scenario
coming up to a cross road a bloke in a clio tried to race with my un-fortunate friend.....not taking him on the geeza then proceeded to cut him up before the lights.manageing to clip my mates front end sending him spinning into on comming traffic..... needless to say the car was minced and the driver who caused it drove from the scene without anyone being able to get his Reg details. the problem being my dense friend forgot to tell his insurance company about his mods making his insurance void! for two years he has to pay off a car that he doesn't even have and accept all charges for the driver that he hit head on!
Moral of the story
DECLARE ALL OF YOUR MODS TO YOUR INSURANCE COMPANY ! ! !
for the few extra quid is it worth getting a x-mas present like that !
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cobra148
Member
Registered: 27th Oct 01
Location: Here in front of my monitor.....
User status: Offline
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Thats a bummer for your mate 
Insurers will use any excuse not to pay out. Its best to declare any alteration you do from standard, no matter how small it is.
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Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
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yep i am in argument with mine at the mo cos i got tinted windows and they didnt know.
Tell ya what i would find that clio driver and if it was me, i got a pretty bad temper i would be prepared to go down for what i would do LOL
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M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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hahaha
his car was minced mate...and running is not one of his forte's 
fort id post because quite often i see the subject of conversation 'should i declare my mods'
this may answer their questions
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wayne hiscock
Member
Registered: 20th Jan 01
Location: wiltshire, trowbridge
User status: Offline
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i wrote my car off
17's wernt declaired (alloys were tho)
window tints wernt declaired
lowered was declaired
exhaust wasent declaired
tesco never even asked one thing bout em when i wrote the car off. altho i was bridcking it. and all mods on the bmw are declaired
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M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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not sure what insurance company he is with..... the alloys were declaired but the exhaust and induction were not... apparently the company he is with are classing these as performance enhancing mods....therefor insurance is void!
bar-stewards
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Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
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Well thats exactly what they are performance enhancing mods!!!
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M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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of course..
but why does that exclude wheels?
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Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
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Does include wheels, he has declared them though, not such performance enhancing but better grip etc, you can esentially corner harder and faster
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M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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ah....get ya
just out of interest.... when you have free insuance on your car through vauxhall what happens if you add wheels then ??? would you just have to pay the extra ?
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Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
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I would talk to them sometimes they wont allow you to do anything, sometimes you can do anything but touch the engine, normally the engine is a no go area
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M1K3
Member
Registered: 15th Dec 03
Location: Warrington
User status: Offline
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wouldn't touch the enigine anyways.. not got a fcukin clue 
just got some wheels on it already and im very worried that my insurance is void untill i declair them..... problem is if they say its a no-go are im up shit creak coz they are fitted
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Greasemonkey
Member
Registered: 17th Apr 02
Location: Drives a Tractor
User status: Offline
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keep the standard ones and if anything goes wrong put them back on.
Phone them and ask what WOULD happen IF i put wheels on dont say you HAVE, then few days later declair them if there cool about it
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