i've never declared any modifications ever. especially in the early days when i was 3rd party fire and theft. your daft if you do.
Your going to get a flaming for that
Your daft if you don't declare it if you have so much as window tints and don't tell the insurance then your policy is invalid meaning if you were to run some little girl over and get sued the insurance company will #### you off and you'll have to pay the bill
That's alright then as long as you know your never gonna crash, in a small accident where no one dies you may get away with it but if there a death involved you recon the police will let you take the car away?? what when the police pull you check your car ask you to produce a insurance certificate which shows your mods declared? Ive had it done it does happen! I don't care how old you are you don't come on a public open forum advicing people to do things that are illegal!! You being older shouldnt need to lie on insurance! Your bang out of line if you were to have an accident an insurance company will do everything in their power to get out of paying, not gonna look for cams wow you know your stuff I worked in an insurance approved assessment garage where we would regularly assess cams especially as it's only a damn cam cover that need come off!i wont mate, i'm 28 yrs old, its a 998cc. i dont tare ass around mcdonalds car parks acting the tw*t. if i'm involved in an accident thats my fault then the other persons car will be fixed, when they come to pick mine up they aint gonna look for cams, manifold, etc etc. as for tints you just rip them out but then again i aint gangsta so i dont have any. the only time i fell short was when my 3 series was stolen. it was insured as factory wheels but the insurance wanted a photo and my 18's were on it. i just had to pay on my next car. insurance wasn't void.
oh and i dont go cruising round schools at 3pm trying to show off to girls so the chances of me hitting a child are very slim
That's alright then as long as you know your never gonna crash, in a small accident where no one dies you may get away with it but if there a death involved you recon the police will let you take the car away?? what when the police pull you check your car ask you to produce a insurance certificate which shows your mods declared? Ive had it done it does happen! I don't care how old you are you don't come on a public open forum advicing people to do things that are illegal!! You being older shouldnt need to lie on insurance! Your bang out of line if you were to have an accident an insurance company will do everything in their power to get out of paying, not gonna look for cams wow you know your stuff I worked in an insurance approved assessment garage where we would regularly assess cams especially as it's only a damn cam cover that need come off!
so's speeding mate but i gather you do that, or are you so sh*t scared of the police? i think they've got better things to be doing than searching through a micra forum like catching kiddy fiddlers and car theifs. the idea of a disscussion is to answer to what people say. if your not prepared to do that then yeah fine end of.
i feel sorry for the kid that started the thread, he only wanted some advice but hes had to read all our crap.
i've never declared any modifications ever. especially in the early days when i was 3rd party fire and theft. your daft if you do.
Going to sound silly but even my super s clocks? They're not exactly special just got a rev counter
The first life insurance policy on record was written in London on June 18, 1536, a one-year policy on the life of William Gybbons. Gybbons died on May 29, 1537, run over by a hit-and-run bullock cart. In a telling beginning to the industry and a comment on insurance in general, the company refused to pay the widow and children of Gybbons, insisting that a year consisted of twelve months of four weeks each, making Gybbons’ unfortunate death a few days outside of the policy period.
i'm 28 yrs old, virtually married with a baby on the way so to the person that is refering me to some 17 yr old maccys chav that drives around like a loon doing 70 in a 30, you are sadly mistaken.
I don't think anyone's questioning your ability as a driver here. But how can you be sure that someone wont crash into you? Or a pedestrian jumping out infront of you? If you hit and paralysed a child running across the road after a ball (i know its extreme but i need to get the point across) you could end up paying that family for life. Therefore leaving you struggling to pay your mortgage or bring up your child. I'll take a guess that losing your licence will probabaly mean losing your job so how would you even pay the compensation that the family WILL come after you for?
Just trying to get the point across as nothing seems to be doing it.
no i totally agree mate and again as i've said, declare your wheels tints etc etc. but i'm talking about declaring things that cannot be seen or that an assesser could not tell apart, i:e 1.3 cams in a 1.0. they will not be able to tell the difference so my point is what difference is it gonna make ? my micra is virtually stock apart from the suspension which i may declare when its finished as i understand times are moving on. but i've just painted my steelies. now do i declare them as they are different from when new but they are still stock steelies although now the appearence of the car has altered ? i'm not trying to be a pr*ck or think i'm the man i'm just trying to discuss but rather than a debate its more like the drivers who have declared everything are the ones attacking like i'm wrong end of.
I like this thread, fact is you've stumbled onto a forum now where people are mature enough to actually declare mods, its a serious thing and from what I've read about people who get caught, get messed over...bit time.
While even if you believe the chances of you hitting anyone or someone going into you are slim, there is no way to dictate chance on today's roads.
I will agree with you though, from what i can tell the majority of people don't declare, even people don't get properly insured and drive these days from what i hear,
And looking at the cars in the college car parks and what people have done to them, theres just no way they're manufacturer driven,
Insure your car, declare the mods, keep yourself and others safe, have fun, K11 is such a great car, and its definitely worthy of mods if you've the age, time and money!
Play fair, drive save,
Migs.
Cost of declaring my mods: £35 a year
Cost of not declaring mods: What is it a 10 grand fine for now insurance these days? If I had an accident and someone is injured requiring on going treatment, that cost could run into the millions. You drive a micra so I guess you don't have millions.
I hope you never have to see what a #### you are.
I am trying not to make it personal but while you're driving around on the same roads my friends and family drive/walk on it is personal. If you injured someone and your insurance wouldn't pay out it could get quite upsetting for everyone involved.
And if you know that and still choose to do it you're very selfish, that isn't personal, ALL criminals that do this are selfish.
my eyes have been opened if i'm all honest. i've been thinking about it quite alot. a good example is say an oldish guy, like my dad, in his 50's buys a nice car but its got stock steelies on. we all know dads are like "could do with a nice set of alloys" so he gets some and it doesn't even cross his mind to tell his insurance as he sees himself as a good family man who aint into maxpower magazine etc. if he has an accident, will he get bummed? will it be void? i wasn't on my bmw for the wheels, they paid out the £2700 for a total loss stolen and fired but my next car on that policy was my k10 runner, they charged me extra for the wheels that were fitted to the bmw. i'm slightly confused.
Oh i agree, i'd love to give my dad a set of nice alloys if he was running a car with steelies, and i agree, i don't think 95% of people would tell insurance about alloys (But then again you get them stock on alot of things, like my micra) but insurance has been hammered down alot more now, i mean in my area there have been up to 7 local mobile deployed speed camera/road tax/insurance checks in the past week or so, again today a police bike setup, if your car was setup to be the bees knees and registered as plain ol' plain, if by some chance you do get pulled over and asked then what next, as for the weeks.
As for a BMW, if your insurance company HAD to have ALL mods declared (Strictly speaking), and someone claimed for an accident he caused (Just a thought here),
Then if an investigation was launched and they found out that the wheels weren't stock, would they hesitate to void insurance on this nice plush BMW? I think even by giving different wheels you give insurance something else to pick at.
I'm at no disagreement with ya mate, i'm learning alot from this here. Its good you bought it up!
Ok slightly of topic but still insurance orientated
Got a letter through yesterday from the AA (who I'm insured through) about my break down cover £60 renewal fee.... what?!? I pay for break down cover with the bank account I have which is over 40% cheaper to start with
So I ring the AA to cancel it, to cut a really long story short the guy I was talking to was saying that having the break down cover with them (although I have it with my bank) will make my premium 10-15% cheaper and was saying that they could do it for £10 a month. He just could not understand that I have no need to pay for the same thing twice it's not like they'll send me 2 recovery vans if I did break down.
I suppose the moral of this story is even when you're all legal you insurance company will always try to screw more money out of you
They've really wound me up with it and if they do put my insurance up by 10-15% I'll be waving goodbye to them, I already pay a silly amount for a bog standard run of the mill 1.0 k10
From the way this thread started after reading it from start to finish, I'm impressed as to how it's progressing now, I was worried I was going to have to get the warning stick out :laugh:
As stated before, we're a relatively mature forum for the average age of members, hence why others took such a dim view in the first place of you advocating not declaring mods.
Anyway, I'll leave you guys to get back on topic
PS: Welcome to the club tat2_mike!
James
tat2_mike:
nah not at all mate, its important to get your point across whether it be right or wrong, people should respect it. Some people on this forum obviously feel the need to name call... they're the immature ones in my eyes!
Craig
well i sure opened a can of worms but never meant to. the thread is going quite well actually and i've learned quite alot so i'm glad the member mike started it. i'm a lover not a fighter so just want some good helpful disscussion for everyone. (Y)
im not a member, more like a omnipresent ninja that's handy with a BBQ when it's JAE.
Mike