What happens if you dont declare your Mods?
- Thread starter Gurpreet
- Start date
Depends if they sent someone to evaluate the car I guess. Asked my parents about this and in all the claims they have ever had to make no one ever came to check.
But if they checked and found something like the engine number different then your pretty screwed I guess.
Edit: Also if you knocked someone over and were speeding, then its not going to go down well in court, and the Police would probably check it if someone got hurt.
But if they checked and found something like the engine number different then your pretty screwed I guess.
Edit: Also if you knocked someone over and were speeding, then its not going to go down well in court, and the Police would probably check it if someone got hurt.
K10Daz
RIP Colin McRae 1968-2007
correct me if im wrong but it is not illegal to have body mods and not declare them - alloys etc. but you have to declare your engine swap to DVLA.
Iv seen insurance companies ask if its had an engine swap even to the same engine, and they sent someone out to clarify!
Daz
Iv seen insurance companies ask if its had an engine swap even to the same engine, and they sent someone out to clarify!
Daz
it really depends on the insurance company. Some companies will invalidate policies if mods or other information is not declared, whereas other companies just wont cover repairs to the undeclared bits in the event of an accident.
when i made a claim, i was told that my undeclared mods would be covered as i wasn't responsible for the accident. If i had been, they wouldnt have covered them. Since then, my mods have been declared, and tbh it didnt add that much more to my policy
when i made a claim, i was told that my undeclared mods would be covered as i wasn't responsible for the accident. If i had been, they wouldnt have covered them. Since then, my mods have been declared, and tbh it didnt add that much more to my policy
59 bhp is more than enough
Deactivated Account
well put it this way i know of an insurance adjuster who went to check a crash damaged impretza and couldnt tell the difference between hat and his full prodrive built spec c rally car.
in reality i doubt anyone would find out but this does not mean im advising you to do it.
in reality i doubt anyone would find out but this does not mean im advising you to do it.
Fordy
Ex. Club Member
take it this way, if you have an accident and not declare your mods and the insurance company find out then they will most likey cancel your policy and you will have to pay everything for every party involved.
insurance companys will do anything to not pay out so why give them any excuse of not paying out
its not worth not declaring the mods to save a few pounds if you cant afford the insurance with them on take them off or find another cheaper insurance company
insurance companys will do anything to not pay out so why give them any excuse of not paying out
its not worth not declaring the mods to save a few pounds if you cant afford the insurance with them on take them off or find another cheaper insurance company
Pete
Site Supporter
Insurance companies legally have to cover you third party, so even if you put a V8 in there they'd still have to pay out but they would more than likely take you to court to recover their costs, especially if they can show that the extra hp/mods could have been a contributary factor.
And come on, with nissans it's pretty obvious on the engine numbers what's a 1.0 and a 1.3.
And come on, with nissans it's pretty obvious on the engine numbers what's a 1.0 and a 1.3.
bombz4
Ex. Club Member
i got a way with crashing a moded moped! (i was young!) it had the rebreather cut off the exhaust pipe, de-restricted the clutch and had a different carb it went to two garages for inspection and no one noticed! although when my car is back on the road im going to have to start declaring things, its alread £1200 its not going to be fun!
Fordy
Ex. Club Member
Mines 1000 with me as main driver + mom and dad (dad has sp30 aswell) plus some mods (exhaust, bodykit, window tint and alloys) declared as cant put all on otherwise it says i have to ring them thats from elephant so it looks im going with them
fraz_micra_88
Ex. Club Member
mine on my micra is 1000 fully comp
on my new car hopefullly 106gti 1500 fully comp
on my new car hopefullly 106gti 1500 fully comp
goldstar0011
Ex. Club Member
The word illegal keeps getting used but to what extent?
I've never heard a story of anyone not declaring mods going to court, or even getting fined. All I have heard is someone losing all NCB and current insurance being canceled with no refunds.
Fordy probably said it best from what I've learnt, they're happier taking your money then prosecuting.
I never declared my first few mods like induction kit and lowered but soon as I had a larger number it wasn't worth the risk.
I've never heard a story of anyone not declaring mods going to court, or even getting fined. All I have heard is someone losing all NCB and current insurance being canceled with no refunds.
Fordy probably said it best from what I've learnt, they're happier taking your money then prosecuting.
I never declared my first few mods like induction kit and lowered but soon as I had a larger number it wasn't worth the risk.
Alienfish360
Awesome Dawson
If your mods aren't declared your insurance can be declared invalid, then you may aswell just drive without insurance coz you're wasting a grand
Retepetsir
King of Subsonic
If someone crashes into me and has not declared mods on their insurance, their insurance would be cancelled and my car wouldnt be covered/repaired.
In that case, expect a heavy can of whoopass being open as I would NOT be happy.
Declare it, otherwise you're an idiot.
Edit: Micra Man, how?! Is it under your name?
In that case, expect a heavy can of whoopass being open as I would NOT be happy.
Declare it, otherwise you're an idiot.
Edit: Micra Man, how?! Is it under your name?
Pete
Site Supporter
Ok I'll say this again. By agreeing to cover you, your insurance company is legally bound to cover you to the minimum legal amount i.e. third party. Regardless of whether the VRM you gave them relates to a 400bhp beast or a 55bhp mule and regardless of the level of cover they have taken out.
So Pete, if someone crashes into you, their insurance company WILL PAY YOU, but it won't pay them, and they are very likely to try and get the money they've paid you back from the insured party.
This thread has just made me wonder why the hell i have my mods declared when im only third party anyway! If i crash and its my fault, the car as a whole doesnt have cover so declaring the mods is pointless.
It isnt worth fully comp. It was valued by insurance at £385 after my last crash, and with an excess of £300, i'd get £85 back! That'd just about get one wheel repaired! Bit of a joke really
It isnt worth fully comp. It was valued by insurance at £385 after my last crash, and with an excess of £300, i'd get £85 back! That'd just about get one wheel repaired! Bit of a joke really
Retepetsir
King of Subsonic
That's interesting, as on a couple of occassions I know of, friends/family have been crapped on from a great height by the insurance companies, because the 1st party were not correctly insured....
It might be worth them looking into it then!
i was accused by my insurance of not declering mods on my car when i had a crash and all they wanted was me to pay the extra premiums that it would have cost me if i had declared the mods...
if you take a 1.0 and put 1.3 internals in it then you have the power of a 1.3 but the only way of telling is by stripping the car and the engine and mesuring the length of the con rods and the timing of the cams...
when they inspect the car they don't take the engine apart so light weight flywheels etc you will get away with, but i declare all my mods anyway because its just less worry... plus i keep crashing my car lol
if you take a 1.0 and put 1.3 internals in it then you have the power of a 1.3 but the only way of telling is by stripping the car and the engine and mesuring the length of the con rods and the timing of the cams...
when they inspect the car they don't take the engine apart so light weight flywheels etc you will get away with, but i declare all my mods anyway because its just less worry... plus i keep crashing my car lol
Paul Smith
Site Supporter
Try
http://www.mceinsurance.com/
They only charged me £426.00 fully comp on my 1 litre turbo all declared and i'm only 22.
Regards Paul
http://www.mceinsurance.com/
They only charged me £426.00 fully comp on my 1 litre turbo all declared and i'm only 22.
Regards Paul
micra man
Golf GTi Turbo
Krian
Fear me, for I am Onibaku
admiral did me for £490 TP, F&T with everything declared. They also dont want anything else for the mods im hoping to do soon, but I think thats mainly because I acted a tad dim about cars.
"Hi, the garage told me I need new suspension because one of the old shock absorbers is cracked."
"Is it a new factory part?"
"No, they're really expensive, the guy told me he could get a new cheap set from somewhere...."
"Hi, the garage told me I need new suspension because one of the old shock absorbers is cracked."
"Is it a new factory part?"
"No, they're really expensive, the guy told me he could get a new cheap set from somewhere...."
Ems
Ex. Club Member
My cheapest quot so far is £1800
Is that under your name, or parents, on provisional? Sounds about right tho! But your only 16!!!!! So unsure as to how u got a quote in the first place!!
this country is :doh: for insurance everyone around the world has it better than us, 17 year olds driving VTI's in the states for peanuts!
australia you get a lump sum back if you dnt claim and crash etc. I hate insurance companies they ask so many knieving questions it makes my blood boil just talking about the mother EDITED skankers
australia you get a lump sum back if you dnt claim and crash etc. I hate insurance companies they ask so many knieving questions it makes my blood boil just talking about the mother EDITED skankers
james betley
Ex. Club Member
my insurance is £600 with the mods i have done on the car with 5 years no clames bonus and i am with hyperformance and they r good
What mods have you declared and how old are you? £600 sounds quite expensive for 5 years no claims. Im only 23 with 3 years NCD and my quote with mods declared is about £330
Ems
Ex. Club Member
Yeah lol, i've always thought u were about 18!!! And that is a bit of a joke after 5yrs ncb!!! :suspect:
Alienfish360
Awesome Dawson
I think james' is a little OTT with Ice hence the quote will be higher, as yours is TPFT but not much ICE wise compared to James. However, James' silly ICE will I assume contribute on TPFT as it's more desirable for theft?
My system cost 1.5 grand! The majority of which is also covered on my policy for theft
T
The Mad Hatter
Guest
It is an offence under S174(5) of the Road Traffic Act NOT to disclose any material fact to an insurance company that could influence their decision to insure you. This includes modifications, convictions, past driving history etc.
lauras_micra
Ex. Club Member
IF YOU DONT DECLARE YOUR MODS! the insurance company can charge you and put your excess up also they can to refuse to repair you car we recently had this happen at work but if you dnt declare them the insureance company will charge as much as they like!!!!
OP
OP
Gurpreet
Ex. Club Member
even tiny things like fog lights you have added? can that cause problems if not declared?
I did declare and its 445 with Endsleigh... TP, F&T... Adrian Flux were the same... Sky never got back to me.
Declared so far:
£500 audio equipment
£400 alloys
£?? about to add Almera Brakes
£?? k&n air filter
£100 fog lamps
I did declare and its 445 with Endsleigh... TP, F&T... Adrian Flux were the same... Sky never got back to me.
Declared so far:
£500 audio equipment
£400 alloys
£?? about to add Almera Brakes
£?? k&n air filter
£100 fog lamps
