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Insurance Dilema! Cant get insured on a modified car at 17...


Escort_Kid

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Guest gti.tom
Kid, those people saying dont tell them, ignore that advice, if you did crash and you didnt declare it, you would be well and truly shafted, its not worth it.

 

ive had 2 claims they just send local engineers round they look at the damage and bugger off my car is far from standerd and they havnt said a thing luck of the draw people say but to be onsit i dont think they care

 

You are seriously lucky.

 

Hopefully, when the police stop you, theyll phone your insurance company and check they know about you mods. Result. Your insurance gets cancelled.

 

You have an accident, the police seize your vehicle. Result. You get completely done over in court.

 

Why the hell should I have to pay more for my mods etc and you think you're different to the rest?

 

Idiot.

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Kid, those people saying dont tell them, ignore that advice, if you did crash and you didnt declare it, you would be well and truly shafted, its not worth it.

 

ive had 2 claims they just send local engineers round they look at the damage and bugger off my car is far from standerd and they havnt said a thing luck of the draw people say but to be onsit i dont think they care

 

You are seriously lucky.

 

Hopefully, when the police stop you, theyll phone your insurance company and check they know about you mods. Result. Your insurance gets cancelled.

 

You have an accident, the police seize your vehicle. Result. You get completely done over in court.

 

Why the hell should I have to pay more for my mods etc and you think you're different to the rest?

 

Idiot.

 

wow real mature i bet there are prob 1 or 2 mods on your car that your insurance doesnt no about ;)

Edited by quickshift
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Kid, those people saying dont tell them, ignore that advice, if you did crash and you didnt declare it, you would be well and truly shafted, its not worth it.

 

ive had 2 claims they just send local engineers round they look at the damage and bugger off my car is far from standerd and they havnt said a thing luck of the draw people say but to be onsit i dont think they care

 

You are seriously lucky.

 

Hopefully, when the police stop you, theyll phone your insurance company and check they know about you mods. Result. Your insurance gets cancelled.

 

You have an accident, the police seize your vehicle. Result. You get completely done over in court.

 

Why the hell should I have to pay more for my mods etc and you think you're different to the rest?

 

Idiot.

 

wow real mature i bet there are prob 1 or 2 mods on your car that your insurance doesn't no about ;)

 

Tom has a good point... and I doubt he does...

Edited by Lordjc
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at the end of the day escortkid asked for options and he got some if other people dont like them o well and me not declaring my mods doesnt affect anyone it will only effect me so whats the prob????

 

Well if your insurance is invalid and you are responsible for a crash, the third party wont get anything either... and that could be one of us! You going to prison doesn't pay for replacement cars and medical bills fella.

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at the end of the day escortkid asked for options and he got some if other people dont like them o well and me not declaring my mods doesnt affect anyone it will only effect me so whats the prob????

 

Well if your insurance is invalid and you are responsible for a crash, the third party wont get anything either... and that could be one of us! You going to prison doesn't pay for replacement cars and medical bills fella.

 

ill jst change everyitng back to the way it was simple

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Insurance is a load of shite these days anyway. The two shunts I've had, it has worked out cheaper for me to pay for the repairs compared to the loading of my policy if I claimed. Made me think why the fcuk I bothered :vangry:

 

I do agree that insurance for new drivers these days is scandalous. I remember paying £1400 on my 1.3 Nova SR at 17 and thought that was bad :nutter:

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Its ok now guys, car going back to standard :thumb:

 

shame, but fair play to you staying legal!

 

I'm sure there are some small cosmetic things you could concentrate on.. "non performance enhancing" that will look good and insurance won't mind about :thumb:

 

Yeah just gona calm the modding down now, theres really no point ive realised when your 17, poonah off of here is dropping some standard finesse alloys round in abit so atleast i wont be on steel wheels. Then backbox and suspension is being changed when i get back to work monday :( Its a shame but i just want to be on the road to be honest :) Will maybe concentrate on simple things like colour coding :thumb:

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Guest gti.tom
Kid, those people saying dont tell them, ignore that advice, if you did crash and you didnt declare it, you would be well and truly shafted, its not worth it.

 

ive had 2 claims they just send local engineers round they look at the damage and bugger off my car is far from standerd and they havnt said a thing luck of the draw people say but to be onsit i dont think they care

 

You are seriously lucky.

 

Hopefully, when the police stop you, theyll phone your insurance company and check they know about you mods. Result. Your insurance gets cancelled.

 

You have an accident, the police seize your vehicle. Result. You get completely done over in court.

 

Why the hell should I have to pay more for my mods etc and you think you're different to the rest?

 

Idiot.

 

wow real mature i bet there are prob 1 or 2 mods on your car that your insurance doesnt no about ;)

 

 

at the end of the day escortkid asked for options and he got some if other people dont like them o well and me not declaring my mods doesnt affect anyone it will only effect me so whats the prob????

 

Well if your insurance is invalid and you are responsible for a crash, the third party wont get anything either... and that could be one of us! You going to prison doesn't pay for replacement cars and medical bills fella.

 

ill jst change everyitng back to the way it was simple

 

 

Nope. All my mods are declared and paid for.

 

And if you run over somebodies mother, they sue, insurance company will simply say, "We're not covering you", and then you'll end up paying out of your own pocket. These days run over people tend to sue for £50,000 plus. Enjoy.

 

How you putting it back to standard when the car is in a police pound being checked for roadworthiness and when the police at the scene has written the mods in his report book. Oh, incase you didnt know, that's the report book your insurance company get a copy of.

 

You are a clown.

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