Wizardchips , anyone?

[Larkone]

The bloke asked about fitting a ten quid chip?
No insurance company is going to destroy his life.

The you don't understand what insurance loss adjusters do for as living

How popular modifications affect your car insurance

Find out which mods increase your premiums, which decrease them, which don't affect your insurance, and what to declare to your insurer.

www.adrianflux.co.uk

 

[Mickyh7]

The you don't understand what insurance loss adjusters do for as living

How popular modifications affect your car insurance

Find out which mods increase your premiums, which decrease them, which don't affect your insurance, and what to declare to your insurer.

www.adrianflux.co.uk

They'll refuse his particular claim.
They have much more important things to do.
They are far too busy to take some council house bloke to court, because he's chipped his 'A' class?
Meanwhile, back in the real World.......

 

[Larkone]

They'll refuse his particular claim.
They have much more important things to do.
They are far too busy to take some council house bloke to court, because he's chipped his 'A' class?
Meanwhile, back in the real World.......

If they refuse the claim it will be because there is an irregularity and that would also cancel the insurance and that gets recorded - 'have you ever had insurance cancelled or refused?' is the question they ask- why don't you try and and see. If you bother to read the link you will see that some insurance companies even class bumper stickers as a modification that requires telling them - is it really worth the risk when it could affect any other insurance you apply for? Obviously not in your world - good luck

 

[Mickyh7]

If they refuse the claim it will be because there is an irregularity and that would also cancel the insurance and that gets recorded - 'have you ever had insurance cancelled or refused?' is the question they ask- why don't you try and and see. If you bother to read the link you will see that some insurance companies even class bumper stickers as a modification that requires telling them - is it really worth the risk when it could affect any other insurance you apply for? Obviously not in your world - good luck

(I'm replying in brackets, so you have finally got the last word, enjoy your day).

 

[E55BOF]

They'll refuse his particular claim.
They have much more important things to do.
They are far too busy to take some council house bloke to court, because he's chipped his 'A' class?
Meanwhile, back in the real World.......

It's not a matter of taking somebody to court; it's a matter of refusing a claim.

Though how strictly the rules are interpreted varies, insurance companies are entitled to, and in many cases will, refuse a claim if the insured has not declared something they regard as a significant modification. A chipped A class may well not be detected, but if it's an A35, or indeed any performance car that is often chipped, the loss assessor can, and probably will, connect a scanner to the OBD port and establish that the modification has been made. If the insurers regard it as significant, goodbye insurance payout...

Bumper stickers? If the insurance company classes them as a modification that has to be declared, and they have not been, the company is perfectly entitled to refuse a claim. Again, goodbye insurance payout...

Insurance companies are in business to make a profit for their shareholders, not as charities. Good luck to the council house bloke who has chipped his A35 and not declared it if he takes the insurance company to court to try to make them pay up.

 

[Mickyh7]

It's not a matter of taking somebody to court; it's a matter of refusing a claim.

Though how strictly the rules are interpreted varies, insurance companies are entitled to, and in many cases will, refuse a claim if the insured has not declared something they regard as a significant modification. A chipped A class may well not be detected, but if it's an A35, or indeed any performance car that is often chipped, the loss assessor can, and probably will, connect a scanner to the OBD port and establish that the modification has been made. If the insurers regard it as significant, goodbye insurance payout...

Bumper stickers? If the insurance company classes them as a modification that has to be declared, and they have not been, the company is perfectly entitled to refuse a claim. Again, goodbye insurance payout...

Insurance companies are in business to make a profit for their shareholders, not as charities. Good luck to the council house bloke who has chipped his A35 and not declared it if he takes the insurance company to court to try to make them pay up.

You've just managed to get a bloke with an 'A'
Class, to take an Insurance Company to Court?
What planet are you on?
No one mentioned any of this. I said they just wouldn't pay a claim. They certainly won't be ruining his life, as an other poster has said.
There is a thread on Pistonheads with dozens of pages, where a bloke bought a Honda Civic R, he put an aftermarket exhaust on.
The car blew its engine up.
Honda UK refused his claim as the car was modified. It was also mapped.
But not mapped by him, by the previous owner.
When it got very legal Honda was forced to pay out because they missed this in their 500 point used car check.
The judge deemed the exhaust system had nothing to do with damaging the engine.
A stressful two years on a 30k car.
So if you are unaware that your used car has been modified, then the law is on your side.
Not Insurance based, but shows a cars history is often shady, even to main dealers.

 

[E55BOF]

You've just managed to get a bloke with an 'A'
Class, to take an Insurance Company to Court?
What planet are you on?
No one mentioned any of this. I said they just wouldn't pay a claim. They certainly won't be ruining his life, as an other poster has said.
There is a thread on Pistonheads with dozens of pages, where a bloke bought a Honda Civic R, he put an aftermarket exhaust on.
The car blew its engine up.
Honda UK refused his claim as the car was modified. It was also mapped.
But not mapped by him, by the previous owner.
When it got very legal Honda was forced to pay out because they missed this in their 500 point used car check.
The judge deemed the exhaust system had nothing to do with damaging the engine.
A stressful two years on a 30k car.
So if you are unaware that your used car has been modified, then the law is on your side.
Not Insurance based, but shows a cars history is often shady, even to main dealers.

I'm on the same planet you are on, but I may have read more of the small print...

The Honda case is irrelevant to this thread. On the details you give, the legal point was that Honda UK missed spotting the modification when doing their pre-sale checks; that is why the case was won.

Honda UK is not an insurance company. If an insurer had been involved, they would not have paid out, because the modification had not been declared, and any legal action against the insurer would have failed. As far as insurance is concerned, ignorance is no excuse; the law is not on your side even if you are genuinely unaware (except that you can consider sueing whoever sold you the car for your losses). If it were otherwise, any bozo could modify their car, and if the modification was not obvious and they had an accident claim they knew nothing about it, and the insurer would be obliged either to prove that said bozo knew about it, or honour the claim. That doesn't happen.

Read post #37 again. If you fraudulently obtain insurance, it may well have consequences. Nobody has said they would ruin a claimant's life, but they would certainly make a difference to it.

 

[DSM10000]

I'm on the same planet you are on, but I may have read more of the small print...

The Honda case is irrelevant to this thread. On the details you give, the legal point was that Honda UK missed spotting the modification when doing their pre-sale checks; that is why the case was won.

Honda UK is not an insurance company. If an insurer had been involved, they would not have paid out, because the modification had not been declared, and any legal action against the insurer would have failed. As far as insurance is concerned, ignorance is no excuse; the law is not on your side even if you are genuinely unaware (except that you can consider sueing whoever sold you the car for your losses). If it were otherwise, any bozo could modify their car, and if the modification was not obvious and they had an accident claim they knew nothing about it, and the insurer would be obliged either to prove that said bozo knew about it, or honour the claim. That doesn't happen.

Read post #37 again. If you fraudulently obtain insurance, it may well have consequences. Nobody has said they would ruin a claimant's life, but they would certainly make a difference to it.

Logic and reasoned argument unfortunately does not work with those who rely on arrogance and ignorance

 

[Larkone]

Logic and reasoned argument unfortunately does not work with those who rely on arrogance and ignorance

And my mistake debating with someone who relies on pub logic - their are obviously far more experienced in it than I am.

 

[DSM10000]

And my mistake debating with someone who relies on pub logic - their are obviously far more experienced in it than I am.

All that happens is that they drag you down to their level and beat you with experience!

 

[MSinghMerc]

Dear Team

thank you sou much for everyone's input into this topic, I can say for sure "I will not be investing in this today, I am out"