 | Home > Off Topic > Car stickers : your not insured |
 
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2212  
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It's well known that insurance companies will try and find any excuse to not pay up when you make a claim but the recent news of " any stickers not declared at time of policy constitutes as not insured " have you told your company about yours ?
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3rd Feb 2015 10:20am |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087 
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You what? ... 
For the uninitiated, please expand on that...  Rog... 
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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3rd Feb 2015 10:53am |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087
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WTF...
How the heck can they justify that, let alone be allowed to get away with it... 
Bloody fraudsters, the lot of them!?!...  Rog...
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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3rd Feb 2015 12:27pm |
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| taazzukcb Member Since: 30 Aug 2013 Location: Derbyshire Posts: 663 
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It's a modification (apparently), so must be declared (I dont agree personally).
Apparently stickers make your car faster  .
I'm not sure how 'heavy' (cant think of right word) all brokers are are this though. Some might be lax and some might not care if you stickers the life out of your car, but some can be quite nasty about them! |
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3rd Feb 2015 12:29pm |
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| smb Member Since: 15 Jan 2013 Location: Cheshire Posts: 1232 
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They'll say Signwritten vehicles will void the insurance next!!
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3rd Feb 2015 12:33pm |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087
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That is just a sick joke...
If my insurers tried that I would dump them immediately... 
Rog...
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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3rd Feb 2015 12:34pm |
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| spudfan Member Since: 10 Sep 2007 Location: Co Donegal Posts: 4655 
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Nothing about insurance companies would surprise me.
I was in discussion to get a quote on a Defender 200 tdi 110 over the phone. "We don't have that on our system but I'll put it down as a Discovery, as they are the same" came the reply. The fact that the tdi had 9 seats and the Discovery 7 didn't seem to register. Dread to think how a claim for the tdi would have have gone if I'd accepted the quote. Another time I was asked if there was anyone else I wanted to put on the insurance policy. "Yes" I replied "the wife". "Are you married to her?" came the reply. 1982 88" 2.25 diesel
1992 110 200tdi csw -Zikali 2008 110 2.4 tdci csw-Zulu 2011 110 2.4 tdci csw-Masai |
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3rd Feb 2015 12:35pm |
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| custom90 Member Since: 21 Jan 2010 Location: South West, England. Posts: 20348
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No different to energy companies, they need taking to hand and taking control of.
Of course this govt will never do that, they are in league with them just the same slipping it into their back pockets. Why should we be controlled in every aspect of what we do, as long as it's safe why do it for in the first place. We don't all want to be standard eurobox sheep. Same with performance cars, just because you have all the mods doesn't mean your a maniac and drive 110mph down the motorway |
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3rd Feb 2015 12:42pm |
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| taazzukcb Member Since: 30 Aug 2013 Location: Derbyshire Posts: 663
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It will if not declared  (same a graphics). Unless it's insured as a van as a lot include this now as part of the premium!
Bit of a polava to be honest! |
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3rd Feb 2015 1:01pm |
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| taazzukcb Member Since: 30 Aug 2013 Location: Derbyshire Posts: 663
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Well ... they might try it in the event of a claim anyway!
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3rd Feb 2015 1:01pm |
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2212
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I'v got a ' landrover ' sticker on mine . If I declare it to my insurer then I might be declined for ........
Any answers ...... |
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3rd Feb 2015 1:03pm |
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| shaggydog Member Since: 12 Aug 2012 Location: Kent Posts: 3347 
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Say I'm thinking about putting one on, ask them to see if it effects the quote, if not yay! fit it and carry on! if not ok thank you very much and take it off. Running Restoration Thread http://www.defender2.net/forum/post323197.html#323197
Self confessed mileage hunter  |
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3rd Feb 2015 1:05pm |
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| Flyingfocrs Member Since: 12 Jan 2015 Location: Deepest darkest Aberdeenshire Posts: 155 
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As a serial modifier I have always declared everything no matter how trivial it might be.
In most cases the response is thanks for letting us know there will be no change to the cost of your policy. For example with the Defender I declared the tow bar as although it was a factory fit it was still not standard and is an extra fitted to the vehicle if that makes sense. With my other cars I have a word document that lists every change i have made, when it's renewal time this is faxed or sent by email to the company so that I am 100% they have been informed what they are insuring. Of course with those 2 I am insured with a specialist insurer through an owners club but the sending of a detailed spec sheet to your insurer does no harm especially these days when they try to wriggle out of any pay out. Regarding the small business advertising vinyls, they would have been shirty about that as they would want to be sure the vehicle wasn't being used for the business when insured as a private car. |
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3rd Feb 2015 1:06pm |
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| LRmud Member Since: 22 Oct 2014 Location: IV12 Highland Posts: 198 
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Heaven forbid I get the car wrapped - totally void the insurance no doubt!
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1989 Defender 90 Toyota Aygo & Honda FR-V |
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3rd Feb 2015 2:45pm |
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