Norwich Union refused insurance if I fit a Brabus D4 kit

[tim.100]

If kbhogalW126 was refused insurance for his Brabus chip, then he will have to declare that he has been declined insurance when he does eventually take out a new policy.

Norwich Union will keep a record of this refusal and may share it with other insurers later on if they want to decline a claim.

I think the question on the forms is "Have you ever been refused motor insurance" so it is a lifetime issue. DD is only 10 years by comparison. Furthermore the Association of British Insurers keeps the database on high risk / fraudulent insured parties.

Thanks to the use of IT, insurers can crucify some drivers. Luckily the majority get fair pricing - if they keep their record straight. I like the current system as I insure a 150bhp Mercedes fully comp, in London, for <£300.

 

[glojo]

I think the question on the forms is "Have you ever been refused motor insurance" so it is a lifetime issue. DD is only 10 years by comparison. Furthermore the Association of British Insurers keeps the database on high risk / fraudulent insured parties.

Thanks to the use of IT, insurers can crucify some drivers. Luckily the majority get fair pricing - if they keep their record straight. I like the current system as I insure a 150bhp Mercedes fully comp, in London, for <£300.

Sadly it speaks volumes about those that advise you to make a false declaration. When applying for insurance cover I always thought you signed a declaration stating what you have said is the truth?

By coming onto a public forum and recommending someone to tell an untruth does no one any credit. Well done for declining the advice and perhaps you might want to reconsider the value of chipping the vehicle. Why not live with what you have and spoil the car on something different. In my experience the more power you have, the more you want

Well done for your honesty and good luck getting a quote.

Regards,
John

 

[fredfloggle]

A policy can be cancelled from inception , but only if it is proven false statement is given - and whilst the policy is supposedly cancelled from inception , there is something funny about not driving whilst uninsured not being effective until the notice is received by the insured .

I don't think because you approach an insurer who doesn't want to take your risk as normal business , that this can be counted as a refusal to insure , just as I don't think they can refuse to offer insurance , they can however only offer road traffic act policies for a huge amount of money , which may be defined as "imposing special conditions" .

There would have to be exceptional circumstances to cancel a policy same day as you mention , and notice would have to be served , if necessary in person on the insured before this happens - If I recall , they also have to get the certificate back , or a statutary declaration stating that it isn't available -

Just assume I know you name and address , I could apply on line for 20 different poilcies for high performance vehicles that are going to have conditions imposed on them - there is no way that these can be recorded as a refusal - there has to be much more substantial reasons than "we don't like the colour" .

I think that there are a great deal more people driving around having not been entirely truthful with regard to convictions etc - not that long ago , after a conviction became spent on a license , the only way to get info on it was by knowing the issuing Court , and approaching them .

In the rest of my waffle I was pointing out that (for me) you are better buying a stock vehicle with the power you want than jumping through hoops trying to insure a modded car .

I am sure that there is someone who really knows about motor insurance who can clarify some of this !

 

[prprandall51]

I dont understand why you even bothered informing NU about the d4 kit ?????

If something "touch-wood" was to happen then cant you simply unplug it and bring it back to norm ?????

Hmm, well when I was a nipper, while my car languished in the scrap yard where the police had sent it to after an "accident", I spent a very stressful week in hospital confined to bed with a mashed ankle worrying about whether the insurance man would look under the bonnet of my car and find that I had been "tinkering".

I then had a geat time working under the bonnet to correct those mods whilst on balanced on two crutches.

Lucky the insurance assessor took longer to come and inspect the car than it took for the hospital to bolt my ankle back together (and, yes, he did come to see if I had been busy under the bonnet).

I therefore would point out that it is not always possible to just "bring it back to norm".
Philip

EDITED: because it didn't actually make sense when I re-read it.

 

[Dieselman]

I don't think because you approach an insurer who doesn't want to take your risk as normal business , that this can be counted as a refusal to insure , just as I don't think they can refuse to offer insurance , they can however only offer road traffic act policies for a huge amount of money , which may be defined as "imposing special conditions" .

I think an insurance company and underwriter has every right to decline insurance based on the risks as they see them. If they have a policy of no power upgrades then this would be reason enough if you had a power upgrade on a vehicle. They simply decline to enter into the contract.