Thanks Diablos. Daston 5, posts months. If you had a crash, they would pay out third party but not fully comp. They would then sue you for the cost of the third party payout. You would also be guilty of driving without insurance. Edited by kambites on Thursday 14th January Not sure what would happen to the third party but your insurance would be void.
It's just not worth paying money for invalid insurance, be honest. Chapppers 4, posts months. I Predict: Don't do it, be gone with you satan! Have you tried Greenlight though? They're usually quite good on modifications.
On that list of mods, unless it's a cone filter I'm not sure they'd be able to get you on much to be honest. Edit: Micra Man, how?! Is it under your name? Retepetsir said:. 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. That'd just about get one wheel repaired!
Bit of a joke really. Pete said:. 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. Regardless of whether the VRM you gave them relates to a bhp beast or a 55bhp mule and regardless of the level of cover they have taken out. Yes it would be, failing that there's allways the outside chance you could take the boyracer thru the civil courts to reclaim your costs.
Thats why we can't do boyracers for invalidating insurance, because they're not actually invalidating their insurance. NeX You're after my robot bee Club Member. It probably also benefits to declare if you have like for like cover. If your engine burns to bits and you havent declared flywheels, uprated cams, etc, then they obviously wont pay out for those.
Erm can I pipe up? Paul Smith Site Supporter. Regards Paul. Krian Fear me, for I am Onibaku. 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. Martin said:. Type-R Ex. I hate insurance companies they ask so many knieving questions it makes my blood boil just talking about the mother EDITED skankers.
Ems said:. 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!! Arnold said:. What mods have you declared and how old are you? Alienfish said:. The Mad Hatter Guest. It is an offence under S 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. Gurpreet said:. I did declare and its with Endsleigh Insurers can deny or cancel if a driver does not properly disclose modifications. When you are modifying your vehicle, you also need to apply for a new vehicle permit. Changing your engine, fuel system, doors, axels, or vehicle body style will require a new permit. The cost for insurance on a modified car can vary based on what modifications have been done.
Your car mods may place you in a high-risk category. Some companies offer an agreed value policy — if your car is a total loss due to an occurrence or accident, you will be paid the agreed upon amount.
Yes - if you do not declare car mods to your insurer, you risk having your claim denied or your insurance cancelled. There is also a risk that you will pay a high amount in expenses, especially third party claims. As a policyholder, it is your responsibility to declare all modifications, performance enhancing or appearance, to your insurer. Failure to declare car mods also puts you at risk for insurance fraud. Any modifications that result in breaking law will void your insurance.
Here are some car mods that can void it :. Unless you are selling your car in Ontario to someone who wants the modifications, you could be lowering the resale value of your vehicle.
Cars are built to specific requirements for a reason — engines, brakes, frame, suspension, and tires are all chosen by a manufacturer for performance and safety. When those features are altered, they can cause issues when the car needs maintenance.
If you have any modified parts inside or outside your vehicle, you need to contact your provider make sure it's insured properly. Some mods will be easier to cover, while others may not be covered under your current insurance. There are specialty and high-risk auto insurance providers that can help, but there are fewer options compared to a regular vehicle.
Before you add any modification to your vehicle, do your research and check with your insurer. Have the mods installed or inspected by a qualified professional to make sure your vehicle is safe. Once the job is done, notify your insurer so they can update your plan.
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