gototravel
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- Joined
- Oct 24, 2015
- Messages
- 58
- Car
- viano
I am thinking about having my vehicle's windows tinted, not driver and front passenger sides. Do I need to inform insurance company about it?
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Why not ask your insurance company?I am thinking about having my vehicle's windows tinted, not driver and front passenger sides. Do I need to inform insurance company about it?
I am thinking about having my vehicle's windows tinted, not driver and front passenger sides. Do I need to inform insurance company about it?
Safest thing to do is tell them about every material mod. The vast majority will not affect your premium. Also make a Word doc of all that is current that you have told them as you want to consistent if you change companies.I am thinking about having my vehicle's windows tinted, not driver and front passenger sides. Do I need to inform insurance company about it?
I was going to ask whether adding or changing something that was an option at the time the car was new would count as notifiable (e.g. getting a different set of wheels) but based on this comment I would assume probably yes?E.V.E.R.Y.T.H.I.N.G - declare everything ... My insurance told me that they would even invalidate your insurance if you fail to report winter tyres, PPF or anything the like.
My friend who used to have a mobile car detailing shop had insurance refused after an accident (his fault) because he had decals on his van and didn't declare it. It essentially lost him his business.
Give them as little reason to refuse you as possible. Even for the smallest stuff ...
And with tints even in the back - they can argue it causes bad visibility - no matter how idiotic that is ...
Put simply, yes.I was going to ask whether adding or changing something that was an option at the time the car was new would count as notifiable (e.g. getting a different set of wheels) but based on this comment I would assume probably yes?
I was going to ask whether adding or changing something that was an option at the time the car was new would count as notifiable (e.g. getting a different set of wheels) but based on this comment I would assume probably yes?
Insurance has become something of a none sense in todays market, largely due to the fact that the people you speak to (usually an intermediary) have little understanding of insurance, contract and consumer law, and have little if any knowledge of what they are insuring, whether it's cars houses or whatever.Agreed, declare (as I do) but just to follow up, I have successfully argued that as a mod didn't impact their underwriting (info only not even a question given that the OEM head unit had died on the car, and was replaced) and it was not relevent to the accident, the after market head unit was no grounds to void the claim or policy.
This was for a friend of a friend who was just told, sorry, on inspecting your vehicle after the accident, etc etc.
Took a call or two, but insurer accepted this and the subtle threat of legal action and / or referral to industry body (but was actually reasonable about it)
As an aside, when dealing with AF for my father's Jag (when I took the car off him due to his dementia), I found them completely unsympathetic and struggled to get anything close to a fair RP. Won't use them ever again
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