I just got my new car insurance cover and fortunately I had a bump in my car a month later. I bought the policy online and could'nt see the part that say is you car modified. My car is modifed with exhaulst and a induction kit. When they taken my car into the garage they say that the car was modified and not willing to pay out my claim. They straight away cancelled my policy and they still have my car. What shall i do?
2007-05-24 23:49:34 · 21 answers · asked by willchan1st 1 in Cars & Transportation ➔ Insurance & Registration
You should have read the policy terms carefully first..tough...one of life's lessons
2007-05-24 23:54:33 · answer #1 · answered by john r 3 · 3⤊ 0⤋
Just one of the many perils of online insurance policies I'm afraid. Sadly, everyone thinks they're an expert on car insurance and it's only when the sh*t hits the fan (such as like this) that they realise straying into an area they are not experienced in can be dangerous.
Non-disclosure of material facts and "assumptions" made by websites (which aren't checked by customers) are the most common cause of misquotes. It's usually only when a claim is submitted these problems arise.
Get your car back from their garage (to avoid any storage charges), get a BROKER to quote you for a proper insurance that adequately reflects your requirements and learn from this (rather expensive) lesson!
2007-05-25 07:29:18 · answer #2 · answered by Micky Fees 3 · 4⤊ 0⤋
This has made me smile for the rest of the day. Barry 0 Insurance Company 1
I think you're not telling all the truth here, I shop around for my insurance, and every online application asks the 'Has your car been modified?' question.
The insurers need to know this as they need to know that you're a higher risk category (higher speeds mean higher damage, plus more parts to replace in the event of an accident -- I bet those Heinz bean cans on the back of your exhaust costs a bomb).
2007-05-25 08:16:27 · answer #3 · answered by barryboys 3 · 3⤊ 0⤋
Whenever I've asked for an online quote, there has always been a question about whether the car has been modified. I have used many insurers to shop around.
Go back to the website where you bought your insurance and pretend you're getting a new quote - look carefully for that question; if it really isn't there then I would take it up with the company involved.
2007-05-25 07:01:22 · answer #4 · answered by chip2001 7 · 3⤊ 1⤋
this is how the work they will do anything to get out of paying u should have told them about the mods most of the time they dont increase the premium the car is your u can take it at any time but will now find it hard to get ins as they are all linked and pass your info on sorry to say the only way is to tell them you know nothing about cars and u didnt know it was moded then you can fight them as u are ignorant to whats under a bonnet worth a try
2007-05-26 02:40:03 · answer #5 · answered by Anonymous · 1⤊ 1⤋
If there is no place to put it on the form, either finish the form and ring them straight away or ring them first for advice. You witheld information about your car so sadly they are not being harsh.
Harsh is the fact that my boyfriend paid an excess on a repair that is supposed to be covered for free on the policy!!!
2007-05-25 06:58:32 · answer #6 · answered by Anonymous · 2⤊ 1⤋
They are not being harsh.
I thought it was common knowledge that any mods need to be reported. it says it in all the T&C's i've read.
You are entitled to your car back, unrepaired. If they have repaired it then you will have to settle the garage bill to get it back, just like any garage repair. If you refuse to pay, they are allowed to sell the care to recover the bill costs.
2007-05-25 11:08:55 · answer #7 · answered by Michael H 7 · 2⤊ 0⤋
You are fucked, you should have known any mods to a car will always affect the policy if not stated. But you can get your car back, if they have repaired it you should pay up.
2007-05-25 16:29:53 · answer #8 · answered by WelshLad 7 · 1⤊ 0⤋
Read the policy more clearly next time!!
For now, you have to pay the repair costs and get new insurance..
2007-05-25 06:54:35 · answer #9 · answered by Anonymous · 3⤊ 0⤋
you should really learn to read and car insurance companies wont ensure anyone that modifys even superficial stuff on cars as its usually boy racers that do that sort of stuff and they are a risk. i fear they were right in your case.
2007-05-27 08:05:09 · answer #10 · answered by ben c 4 · 1⤊ 0⤋