Beretta06 Posted May 17, 2014 Report Share Posted May 17, 2014 (edited) So why is your lad going threw his insurance ? If he has only damaged his car ? And I had my first car (fiesta ) lowered 40 mm 17" alloy exhaust the lot . Yes it was only 5 years ago but I was a lot more young dumb and stupid . Unfortunatly my car got smashed up by some physco and a baseball bat .i Didn't state any of the mods . I was lucky enough to be aloud to UN modify my car at Jackson's recovery yard before the insurance had chance to get a look . Down side I had to buy a full set of standard wheels . And pop the tyres so it was pretty UN noticable . I got away with everything apart from they nocked around 150£ of the pay out for 2 tiny screw holes in the dash were the boost gauge was . ! Pheww I was lucky thinking about it.. hope your lad gets the best out come Used to be a lot more young dumb and stupid?? Clearly, you still have some way to go!!! I cannot believe you published this on a public forum!! Defrauding an insurance company is bad - telling the world.......well, as I said, clearly still room for improvement!!! Edited May 17, 2014 by Beretta06 Quote Link to comment Share on other sites More sharing options...
countryman Posted May 17, 2014 Report Share Posted May 17, 2014 when i brought my Hilux it had an Old man Emu suspension kit on it, i did not think anything of it when i brought it but thought i had better tell my insurance company about it, my insurer would not insure it, i had to go to a specialist company who pulled my pants down on it , bottom line is they make you pay more for any mods and if you need to claim it will be somebody's job to look into if they can get out of paying up. Quote Link to comment Share on other sites More sharing options...
Pastiebap Posted May 18, 2014 Report Share Posted May 18, 2014 It sounds like the insurance company are using failure to notify of modifications as an excuse not to pay out. They'll probably be claiming the car being lowered invalidated the policy as they weren't informed. Quote Link to comment Share on other sites More sharing options...
Peskyfoxs Posted May 18, 2014 Report Share Posted May 18, 2014 I had a blow out on a motorway and the insurance said they wouldn't pay out as the tyre that blew had a bald spot, (all tyres were a matching set and about 6 months old) funnily enough after being dragged down the motorway at 70 it did have a bald spot. Got the ombudsmen involved and they paid out. Quote Link to comment Share on other sites More sharing options...
Gordon R Posted May 18, 2014 Report Share Posted May 18, 2014 secret-squirrel - that is perverting the course of justice. I would edit the post rapidly. I would not put my name to that drivel. Quote Link to comment Share on other sites More sharing options...
robbiep Posted May 18, 2014 Report Share Posted May 18, 2014 secret-squirrel - that is perverting the course of justice. I would edit the post rapidly. I would not put my name to that drivel. What's even worse is that he has incriminated a recovery yard as being an accessory to fraud. Sure they'll be happy with that Quote Link to comment Share on other sites More sharing options...
sonicdmb Posted May 18, 2014 Report Share Posted May 18, 2014 Anyone read Shooting Times back page was about the police using social media to see if your fit to hold your FAC/SGC. Not doing yourself any favors. You should not post anything you would not be happy to repeat to your local police etc. As far as the insurance claim goes remember they are a business and want to make money any excuse not to pay and they will take it. My Dad had a car repaired at a garage of his choice (as opposed to theirs) a guy came out to check the repair/repairer reported back all ok. my Dad never got his money back though gave up in the end was costing more than claim was worth in time to chase them. Because of my/my Dads experience I made sure every detail of my lads car is notified to his insurer (they'll still try get out of it if there's a claim) Good luck with it but I wouldn't hold your breath. Quote Link to comment Share on other sites More sharing options...
Kes Posted May 19, 2014 Report Share Posted May 19, 2014 My son had an accident maybe 4 months ago and the insurance were exceptionally good about it. They paid an overmarket price for the written off vehicle which was very low mileage and in fabulous condition, fully serviced etc. I couldnt have faulted it, Last week I had a telephone call - son often uses my phone - from a solicitor who sounded very unqualified cockney saying there was £3000 waiting for him, all he had to do was contact - I still have the phone numbers etc. If he rings back I will report it to the police since this is clearly encouraging anyone who is prepared to say 'OK' into a claim which is fraudulent. Nothing is for nothing and a good service (by insurers) should be honestly responded to. Anyone seeking to profit from fraudulent claims should be closed down/ locked up. Sorry poster above, it costs us all a fortune and is simply - wrong. Quote Link to comment Share on other sites More sharing options...
sonicdmb Posted May 19, 2014 Report Share Posted May 19, 2014 My son had an accident maybe 4 months ago and the insurance were exceptionally good about it. They paid an overmarket price for the written off vehicle which was very low mileage and in fabulous condition, fully serviced etc. I couldnt have faulted it, Last week I had a telephone call - son often uses my phone - from a solicitor who sounded very unqualified cockney saying there was £3000 waiting for him, all he had to do was contact - I still have the phone numbers etc. If he rings back I will report it to the police since this is clearly encouraging anyone who is prepared to say 'OK' into a claim which is fraudulent. Nothing is for nothing and a good service (by insurers) should be honestly responded to. Anyone seeking to profit from fraudulent claims should be closed down/ locked up. Sorry poster above, it costs us all a fortune and is simply - wrong. My son was knocked off his motor bike about 18 months ago now, he now has a fused wrist as a result. As it was his writing hand I had to act as his agent until he could sign for himself. I thought calls phishing were because of this at first but I get loads of them. Usually along the lines of "I've just had your details passed to me by a colleague about an accident". Its bull most are calling hoping you'll say "Oh the bump with xxxxx" Be warned if you deal with in house solicitors for injury claims or one of these cold callers. They are not working in your best interest but to make a quick buck. My lad would of had his claim finished a few grand paid out and no recourse for any more. When he is now permanently disabled. The way these no win no fee claims pay the legal firms is on a fix amount scale for each stage plus percentage of the award (from the defendants insurance not your pocket) so an out of court settlement pays the same up to doing "x" then goes up for next stage. A quick £1500 for whiplash pays as much as fighting for £3000 if its more serious the small difference in award % payed is not worth the extra work to them. As soon as we realized they were not giving my son the service he deserved we moved to a local solicitor who has a good reputation. Quote Link to comment Share on other sites More sharing options...
four-wheel-drive Posted May 19, 2014 Report Share Posted May 19, 2014 I tend to think that it is time that the insurance companies instead of insuring the cars that people drive insure the drivers some years ago I had a 2ltr ford capri and I took it off the road to have some work done on it and I got an old diesel ford escort to use it only cost me £400 my caprie was worth a lot more than that and was a hell of a lot faster yet FC insurence was more for the old diesel than my capri. Quote Link to comment Share on other sites More sharing options...
Mentalmac Posted May 19, 2014 Report Share Posted May 19, 2014 I tend to think that it is time that the insurance companies instead of insuring the cars that people drive insure the drivers some years ago I had a 2ltr ford capri and I took it off the road to have some work done on it and I got an old diesel ford escort to use it only cost me £400 my caprie was worth a lot more than that and was a hell of a lot faster yet FC insurence was more for the old diesel than my capri. Same thing with motorbikes and cars. At 17 I insured a ZX6r 636 capable of 0-60 in a few seconds and around 160 top end... for the princely sum of £600ish quid fully comp. I insured a 1.25 fiesta (Standard non zetec) third party fire and theft for £1900 (third party price almost gave me a seizure). Unusual. And it costs more for me to insure my family carrier than an RX8 I used to drive nowadays, with 5 years NCB and no points. haha Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted May 21, 2014 Report Share Posted May 21, 2014 It's tough but talking to a buddy who only recently retired from insurance the situation re young drivers has worsened and most insurers wouldn't touch them at all (he felt mobile phones etc had added to the problems) and its only the fact that the law still let's them have a licence that means insurers have to offer a quote. The insurance industry would like much tougher rules for new/young drivers; tougher tests, curfews, no passengers, restrictions on what type/power of cars they can own/use and much tougher penalties if accidents or convictions occur in their first 2/3 years of driving. And the male/female premium difference restored - young lasses are considerably better than lads; they usually buy newer cars, look after their car (don't modify it), don't have a macho need to show off driving skills, don't race other drivers and have far far fewer accidents. It's tough but if you want an example of the type of behaviour which scares the pants off insurance underwriters pay a visit to Gt Yarmouth seafront any summer evening!! Quote Link to comment Share on other sites More sharing options...
wymberley Posted May 21, 2014 Report Share Posted May 21, 2014 young lasses are considerably better than lads; they usually buy newer cars, look after their car (don't modify it), don't have a macho need to show off driving skills, don't race other drivers and have far far fewer accidents. UNTIL a few years on and they then go on the school run! It's tough but if you want an example of the type of behaviour which scares the pants off insurance underwriters pay a visit to Gt Yarmouth seafront any summer evening!! YEP, or Exmouth Quote Link to comment Share on other sites More sharing options...
Twistedsanity Posted May 21, 2014 Report Share Posted May 21, 2014 I would type out an affidavit stating that you had no knowledge about it being lowered and get it sworn/witnessed by a notary public or solicitor and present it to the insurance company . A court has no choice but to accept this as a legal documented fact (which is what a sworn affidavit is) and it will be up to the insurers to prove you are lying , however if you are telling porkies this isn't a good idea as you can end up in all sorts of doo doo Quote Link to comment Share on other sites More sharing options...
GingerCat Posted May 22, 2014 Report Share Posted May 22, 2014 May be worth getting an expert to review the modification and give his/her expert opinion on the impact on the vehicle and how or if it contributed to the crash. This happens a lot. They still may not pay though. Quote Link to comment Share on other sites More sharing options...
al4x Posted May 23, 2014 Report Share Posted May 23, 2014 Why should it matter if the mod contributed to the crash? The insurer quotes based on risk and asks questions, if you lie then really you need to expect to not be covered. Quote Link to comment Share on other sites More sharing options...
HDAV Posted May 23, 2014 Report Share Posted May 23, 2014 How was it lowered? Was it aftermarket springs? Spring compressors? Or a full kit springs shocks etc? Quote Link to comment Share on other sites More sharing options...
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