do i declare white dials?

[mac456]

do i?

[madxrcabby]

some insurance companys class badges as a modification so some companys wud want u to

[geordie_aaron]

lol no point

[Graeme]

i 2nd that

[Lee R]

Dun: GTI dials, amp n sub fitted, Power flow exhaust back box, bump strips removed, smoked side repeaters, , lowered 40mm, 16" Alloys

 

is all that lot declared? if so, yes. If not, no

[mikelskas]

While were on the topic.

 

If an old lady bought a standard Escort, yet the previous owner had put skirts, induction kit. Imagine she insured it as a standard escort. Would her insurance be valid if she was to make a claim.

 

My point is, maybe the old lady doesnt know that these things have been added to the car. What if she belived them to be standard on this car. What would happen then?

 

Would the insurers really turn around and say, sorry you should have researched the car and learned what was standard and what wasnt?

[AndyCanning]

While were on the topic.

 

If an old lady bought a standard Escort, yet the previous owner had put skirts, induction kit. Imagine she insured it as a standard escort. Would her insurance be valid if she was to make a claim.

 

My point is, maybe the old lady doesnt know that these things have been added to the car. What if she belived them to be standard on this car. What would happen then?

 

Would the insurers really turn around and say, sorry you should have researched the car and learned what was standard and what wasnt?

 

at the end of the day ... the onus is on you to tell them exactly whats on the car and not knowing or ignorance is not a good enough answer..

 

would i declare white dials.... no.. i can understand wheels,skirts but inside the car like that no... but then my insurance says keep the invoices and we will sort it later. anythin mechincal wise i need to tell them about tho

[mac456]

my question is,

 

lets say i have a crash and it is my fault, i wouldnt claim anyway as it wudnt be worth it because of the excess and loss of no claims,

 

wud the insurer still pay out to the other party, if mods like this wasnt declared??

[Craig855S]

personally i dont declare FORD PARTS.

 

White dials,dont declare,theyre covered in ford stamps so even a suspicious insurance investigator will find they are OEM parts (perhaps an option on all MK6s anyway)

 

I also wouldnt declare an Si/GTi bumper on a encore/CL etc as it still "looks" standard,even tho we know encores never came with the fog bumper

 

i wouldnt declare a 2.0TB on a 1.8

i wouldnt declare GTI wheels on a non GTI

i may declare 16" mondie Si wheels,or i may not,it depends,cos u cud bluff that u thort ford put them on

 

with a GTI bodykit i'd declare it as the factory fitted sports body kit

[sortedford]

my insurance said to me before not to declare things like that

[AndyCanning]

my question is,

 

lets say i have a crash and it is my fault, i wouldnt claim anyway as it wudnt be worth it because of the excess and loss of no claims,

 

wud the insurer still pay out to the other party, if mods like this wasnt declared??

 

Some insurance companies could say that the modifications to the car make it more likely that its stolen or the fact that the wheels are bigger it could alter the cars perfomance

[ANT]

anyone ever known anyone not to be paid out for having obvious modifications?

 

i'm sure most companies, if mods are undeclared will just pay the book price of the vehicle.

 

i declared wheels and skirts on my old escort and it went up 30%. i failed to tell them i had exhaust, sound sysetm, suspension, si interior,.. etc etc

 

i've never declared again.

although my car is 99% standard now so i have no worries.

 

pmsl @ dials!

[Blimey]

Some1 i know didnt declare his alloys or anything and they said they werent going to pay, he took them to court and won. A girl from work didnt declare her alloys and has wrote off her car, not sure if shes gettin paid out yet.

[Lee R]

anyone ever known anyone not to be paid out for having obvious modifications?

 

 

 

i declared wheels and skirts on my old escort and it went up 30%. i failed to tell them i had exhaust, sound sysetm, suspension, si interior,.. etc etc

 

 

yes, plenty.

 

you wasted your 30% then. Never get why anyone would declare 1 thing, but not something else

 

all or nothing

[85rob]

ive declared the performance/body mods. and ive been asked about it by the police but havent had to show them proof. Edited September 25, 2006 by 85rob