|Topic Review (Newest First)|
|05-11-2012 11:51 AM|
If they void your claim on the grounds of non-notification of changes they could in fact void the whole policy leaving the driver open to criminal prosecution of driving without a valid insurance policy in place and that's a Level 5 fine or at least £1,000
|05-11-2012 10:42 AM|
|athonycmax||Thanks chrisW70/richard G for backing up my comments on notifying your insurance company of any pending mod's, insurance assessors are a lot more savvy these days to what mods people do to their cars and know where to look, A vin number will tell them exactly what was fitted to your car when it rolled of the production line remember they work for the insurance companies and it is their job to save them money in paying out on claims so if they can find an excuse to void a claim they WILL!!, And lets remember we all pick up the bill with increased premiums.|
|05-11-2012 10:31 AM|
They're absolutely right. You MUST declare mods to the insurance people. I once fitted a tuning box to a car and actually asked the insurance how much difference it would make BEFORE I even ordered it. It actually only added £15 a year so it wasn't that bad. I more than made that back in increased economy. There was a young lad up here who fitted one and didn't tell his insurance. He then had an accident, wrote off the car and wrecked about 30m of fence. When he tried to make a claim the insurance assessor had found the tuning box and the claim was disallowed because his insurance was invalidated. So he lost his car and had to pay for the fence. I believe the police then prosecuted him for driving without insurance, even though he'd paid the premiums up to date. The undeclared mods invalidated the lot!
So, best tell them, It probably won't cost you much, if anything, as you say you're not putting on expensive aftermarket parts and making your car a greater theft risk, just "sprucing it up a bit". Your choice.
|05-11-2012 09:11 AM|
Insurance companies will love you, perfect excuse to void your insurance through undeclared modifications and save themselves a heap of money on repairs.
I run a very heavily modified discovery as well, all modifications however minor to me are declared and overall it hasn't made much difference to the premium.
Is it really worth the risk?
|05-10-2012 09:24 PM|
Originally Posted by scottg23 View Post
If ever there were any damage then the assessor would know what features were for that vehicle and on seeing the whole changed headlamps would start looking for the less obvious
|05-10-2012 02:49 PM|
|Big Budgie||Just had a look at some pics on the Autotrader website and have to say that the wings do look very similar. The bonnet and bumper is different, as is the grille. The only other external difference between the two marks, other than wheels, as far as I know, is the rear lights. The Mk2s have rather natty looking LEDs in them, although not everyone seems to like them. If you also put leds in the sidelamps, as I have, it will really reduce current draw and reduce the possibility of a flat battery should you inadvertently leave on your lights. Something which I have done a few times in the past!|
|05-10-2012 01:26 PM|
Thanks Big Budgie, thats what i though, although i'm thinking the wings should be the same as they just blanked out the side repeater with a Titanium badge on the models with the repeater on the mirrors, i was very much looking at second hand parts as i am friendly with a sprayer
Athonycmax - no spoken with the insurance company, very much doubt i will, i will be using all genuine ford parts so how on earth are they going to find out about it, for all they know it was how the car was made, its not as if im putting a stupid Ripspeed spoiler or any aftermarket parts on. Its still going to be a C-Max afterall!
|05-10-2012 12:36 PM|
|athonycmax||Hi Scottg23, as with all modifications your insurance may be an issue with such major modifications, have you spoken to your insurance company about it?|
|05-09-2012 11:24 PM|
|Big Budgie||People to ask would be Ford dealers. They'll know the different part numbers for the various bits. I would hope it would just be bonnet, wings, Headlamps, Bumper & Grille. But the slam panel may be different too. I rather think that's plenty and will also cost a bob ot two unless you can source the parts 2nd hand. A local body shop could probably help too.|
|05-09-2012 04:03 PM|
|scottg23||Nah, i like a project, if i bought a MkII i'd want to try and make it something else!|
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