 | Home > Off Topic > Car stickers : your not insured |
 
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| x-isle Member Since: 26 May 2011 Location: Midlands Posts: 1327   
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^^^^ I hope so! They should be charged an excess of £1000 for those.
I actually think that "basic" insurance in the UK should be government set. It's a legal requirement to have it, so I think there should be a set price for set vehicle class and set in law what this would cover and what it wouldn't cover. You may think that this is against competition law, but if the insurance company had differing benefits attached to the insurance then there is still a market for competition. Then you could also have insurance companies charging their extra little bits for various modifications, special vehicles etc, but also controlled to be within reasonable fairness. Craig Rogers 2007 Puma 110 XS 2011 Evoque Coupe Dynamic Lux www.craigrogers.photography |
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4th Feb 2015 10:14am |
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2237 
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Well that's these guys snookered
[img:866:650]https://www.defender2.net/gallery/albums/userpics/13542/normal_image~134.jpg[/img Last edited by keith on 4th Feb 2015 5:16pm. Edited 2 times in total |
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4th Feb 2015 10:30am |
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| x-isle Member Since: 26 May 2011 Location: Midlands Posts: 1327
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If a vehicle has camo graphics and you crash into it.
Can you state on your claim form that you didn't see it? Craig Rogers
2007 Puma 110 XS 2011 Evoque Coupe Dynamic Lux www.craigrogers.photography |
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4th Feb 2015 10:34am |
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2237
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^^ well yes most probably . If you have a reason to make a case .
It's the same with lights . I'm huge on ' see and be seen ' my headlights on all the time day and night , cos if I have an incident with a car in rain , bright sunshine or adverse driving conditions that doesn't have lights on then I have a sound argument that I could not see the vehicle and it was being driven without due care and attention . My lights are on - his wasn't . I win . |
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4th Feb 2015 10:42am |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17699  
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Having now seen the car, I can just about understand the situation. It's not stickered so much as sign-written for God!
There are pictures in the article below (unsuitable for those of a nervous disposition). jesus-christ-slogans-bumper-stickers Her insurer appears to be "Age UK". They are definitely NOT "bumper stickers". She is reportedly a "committed Christian" which words open the door to all sorts of remarks which it is inappropriate to make, so I won't! |
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4th Feb 2015 12:35pm |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087
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Notwithstanding the bizarre nature of the stickers, or the age and persuasion of the person involved, in that particular case, I still fail to see how any insurance company can construe stickers as modifications or enhancements that affect the performance, or otherwise of any vehicle they are attached to!...
Anyone in their right mind should immediately dump an insurance company that tries that scam on them and name and shame them on social media everywhere...  Rog... 
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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4th Feb 2015 1:20pm |
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| Venomator Member Since: 25 Aug 2014 Location: Peterborough Posts: 2087
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Whilst there are many and varied definitions available, depending on the source selected for any word, the over-arching definition for Modify cannot possible be included with the same logic as adding a wing, or extended wheel arch, or boosted engine, noisier exhaust, or go-faster/better anything, and so on, as when applied to stickers, which are simply decorative additions that do NOT modify the performance, or structure, of a vehicle in any sense of the word...
Any attempt to add to premiums, or claim that cover is void because of stickers is simply a disgusting motor industry scam and needs stamping out, now!...
Merriam-Webster on-line definition... mod·i·fy verb \ˈmä-də-ˌfī\ : to change some parts of (something) while not changing other parts The Free Dictionary on-line... mod·i·fy (mŏd′ə-fī′) v. mod·i·fied, mod·i·fy·ing, mod·i·fies v.tr. 1. To change in form or character; alter. Definitions.net on-line... Princeton's WordNet modify(verb) make less severe or harsh or extreme "please modify this letter to make it more polite"; "he modified his views on same-gender marriage" modify, qualify(verb) add a modifier to a constituent change, alter, modify(verb) cause to change; make different; cause a transformation "The advent of the automobile may have altered the growth pattern of the city"; "The discussion has changed my thinking about the issue" Wiktionary modify(Verb) To make partial changes to. modify(Verb) To be or become modified. Origin: From modifien, from modifier, from modificare, from modificari, from modus + facere; see mode. Webster Dictionary Modify(verb) to change somewhat the form or qualities of; to alter somewhat; as, to modify a contrivance adapted to some mechanical purpose; to modify the terms of a contract Modify(verb) to limit or reduce in extent or degree; to moderate; to qualify; to lower Rog...
The GREEN One... MY2016 Urban Truck Build Thread - http://www.defender2.net/forum/topic40548....al[/color] |
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4th Feb 2015 1:47pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5116 
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What about all the people who have these then. Never been a fan of any stickers even less of a fan of Insurance Companies
For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..
http://www.youtube.com/user/conwy1 |
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4th Feb 2015 3:58pm |
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| shaggydog Member Since: 12 Aug 2012 Location: Kent Posts: 3347 
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Factory standard as they were applied in the factory - not a modification.
My understanding is - if it was put on after it had left the factory door, NOT the dealership, the factory - it is a modification. Can A-Plan confirm this? Running Restoration Thread http://www.defender2.net/forum/post323197.html#323197 Self confessed mileage hunter  |
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4th Feb 2015 4:06pm |
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| x-isle Member Since: 26 May 2011 Location: Midlands Posts: 1327
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I thought it was Grandad off Mrs. Browns Boys. Craig Rogers 2007 Puma 110 XS 2011 Evoque Coupe Dynamic Lux www.craigrogers.photography |
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4th Feb 2015 4:12pm |
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us off.
| AndrewS Member Since: 10 Apr 2007 Location: Hereford Posts: 3709 
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I have confirmed with my insurer today who are Aviva that stickers/sign writing are not an issue, don't have to be declared and are not considered a mod.
The person I spoke to found it hilarious that I should ask such a question, I referred them to the issue the christian was having with her insurer. 130's have feeling's as well you know  |
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4th Feb 2015 5:54pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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At A-Plan we would request to be advised if a vehicle has been modified, altered or adapted having left the manufacturers production line. Selected optional extras when ordered from new would not need to be disclosed, however dealer, professional or personal alterations would need to be disclosed. Again, stickers and decals are fine, this is our interpretation and therefore not an industry wide statement, however if club/forum members have any doubt as to whether they are correctly covered with their existing insurer please do contact us on 01635 874646 and we will be happy to assist. Clare Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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4th Feb 2015 6:03pm |
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| JJ Member Since: 18 May 2009 Location: Winchester Posts: 932 
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The good news going forward is insurance companies have a new regulator in the shape of the Financial Conduct Authority.
They are also regulated by the Prudential Regulation Authority . These new regulators have teeth and they will bite. At the moment their focus of attention is elsewhere picking the low hanging fruit of pay-day lenders but the insurance industry will get it's turn . One of the mantras from the FCA is tcf (Treating the customer fairly ). Insurers have not always done this in the past but they will be forced to at some point although it could be a while. |
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4th Feb 2015 6:40pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5116
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Not too sure if the FCA has such sharp teeth when it comes to Insurance companies, same with the Prudential regulators who spend most of their efforts with Banks and in any respects their only power of investigation is to maintain that a company is solvent and to ascertain its financial strength.
The FCA has power over large multinationals and over small set up firms and independent companies, but then again I have yet to see it wielding power on large financial institutions, think of what the banks have got away with recently. In any respects when these two bodies were set up to regulate insurance this list was set up as good practise and it is hoped that all insurance companies follow them, only us the customers can verify this and I do not think they do tick all the boxes Insurance companies have to tick all these boxes, I am not sure they do. 1. Integrity 2. Skill, care and diligence 3. Management and control 4. Financial prudence 5. Market conduct 6. Customers' interests 7. Communications with clients 8. Conflicts of interest 9. Customer: Relationships of trust 10. Clients' assets For those who like Welsh Mountains and narrow boats have a look at my videos and photos at.. http://www.youtube.com/user/conwy1 |
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4th Feb 2015 7:09pm |
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