Some people honestly don't deserve the cars they own

[jordan101]

this thread really has created a good debate everyone to there own!!!! no one should tell others what and not they should do with there car.

 

[Loonsta]

Of course not, why let something trivial like the law get in the way of saving a few quid.

Not declaring mods renders your insurance invalid as you've not presented an accurate picture of the risk/costs you present. Void insurance carries the potential penalties listed here.

New penalties for owners of uninsured vehicles : Directgov - Motoring

Of course you have to be caught but the net is tightening as the police and insurers know how rife this form of fraud is now.

 

[Barryl85]

Of course not, why let something trivial like the law get in the way of saving a few quid.

Not declaring mods renders your insurance invalid as you've not presented an accurate picture of the risk/costs you present. Void insurance carries the potential penalties listed here.

New penalties for owners of uninsured vehicles : Directgov - Motoring

Of course you have to be caught but the net is tightening as the police and insurers know how rife this form of fraud is now.

An uninsured vehicle is slightly different than an insured car that hasnt declared any changes to the vehicle, I thought you would have known the difference at least. (i dont care if you consider it to be the same thing because it would warrant it void if caught)

Yes let me just look at that statement you made "why let something trivial like the law get in the way of saving a few quid"

Uninsured drivers are scumbags who usually drive without a licence / tax therefore unable to insure the vehicle. They usually cannot afford bread little alone petrol from the car they just borrowed from a guy round the corner.

You are barking up the wrong tree with that statement / link.

Most laws are there for a real good reason - what does it matter what engine is in my car if i crash into someone / someone crashes into me - its a f**king joke, thats why people ignore insurance clauses / laws.

There are people out there vandalising and stealing cars and they get away with it without anyone giving a toss. This country is a joke and insurers are conmen and are out to rip you off point blank and to think its done lawfully.

 

[CAL]

I think most people are a bit guilty of fraud as I cant see everyone declaring evry single modification on their car.. From a full exhaust to only up-rated leads or a set of alloys or lowering springs. Everything has to be declared for the insurance to be perfect.

i agree man.
this thread is class.... wont be long before it gets deleted tho as were not all being best mates and holding hands hahahahahaha

 

[Loonsta]

Your insurance is void because you have not declared the mods. Fact, no amount of arguing or defending you can do will change that. You've paid for a policy that does not represent the vehicle you are covering, you have deliberately misrepresented the value/risk associated with you/the car in a bid to reduce your premium. The only grey area is whether you get caught or not. Use your argument in court and you would get laughed out. The policy isn't worth the paper it's written on if it's factually inaccurate.

 

[Barryl85]

Your insurance is void because you have not declared the mods. Fact, no amount of arguing or defending you can do will change that. You've paid for a policy that does not represent the vehicle you are covering, you have deliberately misrepresented the value/risk associated with you/the car in a bid to reduce your premium. The only grey area is whether you get caught or not. Use your argument in court and you would get laughed out. The policy isn't worth the paper it's written on if it's factually inaccurate.

Your missing my point.....

Its absolutely pointless debating with you cos all you keep posting up is what everybody already knows. Everyone knows the risks and whats ment to be you dont have to keep posting it.

No one would argue against it in a court I dont know why you are even posting that.

I wasnt arguing about anything i'm stating my opinion on how insurance is a rip off. Your paying people for nothing except piece of mind that someone can pay out a large sum of money should you be at fault. Which also makes you wonder what an excess is for - absolute scam.

If i put a sticker on my car - thats a modification but i dont declare it the insurer could void my claim because i had a sticker on my car? A lot of bolt on mods are as good as stickers they give you what 5bhp but they are enough to void your insurance - the fact is if you have a claim what does it actually matter if its standard or not? Its an excuse for the insurer not to pay out any money.

If i had a fully built B18C - is the insurer going to strip the engine for inspection - would they even know what a performance camshaft / HC piston looks like compared to standard?

 

[mld22]

insurance companies are a joke, every penny i have ever given them is going towards there obscene profits, car insurance is compulsory and therefore, the insurance companies should not be allowed to make absurb profits off us.

the whole system is flawed, if someone was to run into the back of me and do a reasonable amount of damage to my car, i would have to seriously consider covering the costs myself, so to avoid these criminal insurance premiums. This is a complete joke, i pay a fortune in premiums and yet i would be scared to make a claim. Disgrace!!!

Driving under an untruthful insurance cover is nowhere near as much of a crime as the insurance companies taking advantage of me and the rest of the sensible drivers on here

 

[Loonsta]

You keep voicing an opinion, which is not the same as fact. I couldn't give a toss whether you think insurers are conmen nor that you have a chip on your shoulder about someone wrecking your car.

Insurance fraud is still insurance fraud, fronting is still fronting and deliberate misrepresentation to save cash is still misrepresentation. Any juvenile tit for tat not declaring mods because the local neds trashed your motor doesn't lessen the fact that you were breaking the law.

So the Police didn't help you out, cry me a river and drop the sense of indignation. Maybe one day when you're a grown up you'll realise people have real problems over and about a piece of metal and the Police being a bit ****.

You have no idea what industry I work in but trust me plenty of people on a daily basis are getting their fingers burned because they've not declared mods to their cars. There are also members of the Police, Fire Brigade and Ambulance service scraping the damage done by young lads in modded cars that they wouldn't legally be granted cover on off the roads. Go and compare your vandalism story with some poor sod who's lost a family member or use of their legs thanks to some cretin who thinks he's Sebastien Loeb.

 

[mld22]

You keep voicing an opinion, which is not the same as fact. I couldn't give a toss whether you think insurers are conmen nor that you have a chip on your shoulder about someone wrecking your car.

Insurance fraud is still insurance fraud, fronting is still fronting and deliberate misrepresentation to save cash is still misrepresentation. Any juvenile tit for tat not declaring mods because the local neds trashed your motor doesn't lessen the fact that you were breaking the law.

So the Police didn't help you out, cry me a river and drop the sense of indignation. Maybe one day when you're a grown up you'll realise people have real problems over and about a piece of metal and the Police being a bit ****.

You have no idea what industry I work in but trust me plenty of people on a daily basis are getting their fingers burned because they've not declared mods to their cars. There are also members of the Police, Fire Brigade and Ambulance service scraping the damage done by young lads in modded cars that they wouldn't legally be granted cover on off the roads.

I hate insurance companies because they take advantge of lots of drivers. If they were more reasonable with drivers, instead of treating them like idiots and trying to squirm their way out of every claim, then they would get a better response from drivers, and maybe less fraud.

There are far worse crimes to be worring about

 

[General]

You keep voicing an opinion, which is not the same as fact. I couldn't give a toss whether you think insurers are conmen nor that you have a chip on your shoulder about someone wrecking your car.

Insurance fraud is still insurance fraud, fronting is still fronting and deliberate misrepresentation to save cash is still misrepresentation. Any juvenile tit for tat not declaring mods because the local neds trashed your motor doesn't lessen the fact that you were breaking the law.

So the Police didn't help you out, cry me a river and drop the sense of indignation. Maybe one day when you're a grown up you'll realise people have real problems over and about a piece of metal and the Police being a bit ****.

Yes, exactly, there are bigger problems in the world and the police have better things to worry about than "snitches" ringing them saying "I've seen a car with undeclared mods"...I have to break it to you mate but you're not going to change the world by grassing someone up for something as "little" as that.

To be honest, I can see this going on for a good few more pages and you're not getting anywhere. Barry isn't saying don't insure your car, there isn't one person on this forum who has said "don't get insured"...and as you said before as well, Barry is giving his opinion he is entitled to just like everyone else.

And as above with mld22, insurers are the biggest con, I'm not saying don't get insured but it's not exactly a choice is it? When something does happen, they refuse to pay out for the stupidest things and why? BECAUSE THEY CAN!! In my opinion, they're the biggest legal scam there is.

 

[Loonsta]

The only way people can drive down insurance is by voting with their wallets. Moaning about it on forums or fronting on policies is not the way to go about it. I've got my policy down year on year since I passed my test over a decade ago by ringing around. If you aren't happy with the price take your business elsewhere.

 

[Barryl85]

You keep voicing an opinion, which is not the same as fact. I couldn't give a toss whether you think insurers are conmen nor that you have a chip on your shoulder about someone wrecking your car.

Chip on my shoulder? This is actually the first i've mentioned it in a while and its because I dont believe the law in this country is very fair - letting someone away with vandalism but they will let you pay unfair and unnecessary insurance fee's and call them mandatory.

Insurance fraud is still insurance fraud, fronting is still fronting and deliberate misrepresentation to save cash is still misrepresentation. Any juvenile tit for tat not declaring mods because the local neds trashed your motor doesn't lessen the fact that you were breaking the law.

Juvenile tit for tat? it was none of that - i didnt have the cash cos of a scumbag so i didnt declare my mods, the angersome part is if i did get caught i would have got shafted but the guys who wrecked my car walked away laughing.

So the Police didn't help you out, cry me a river and drop the sense of indignation. Maybe one day when you're a grown up you'll realise people have real problems over and about a piece of metal and the Police being a bit ****.

With that response everyone on here can clearly see who the immature wee boy is.

And your saying getting your pride and joy ruined and costing thousands of pounds isnt a real problem? You need to take a look in the mirror pal - if you think a car is just a piece of metal when its your pride and joy you probably shouldnt even be on here.

You have no idea what industry I work in but trust me plenty of people on a daily basis are getting their fingers burned because they've not declared mods to their cars. There are also members of the Police, Fire Brigade and Ambulance service scraping the damage done by young lads in modded cars that they wouldn't legally be granted cover on off the roads. Go and compare your vandalism story with some poor sod who's lost a family member or use of their legs thanks to some cretin who thinks he's Sebastien Loeb.

See this is where you are getting ahead of yourself - your tarring everyone with the same brush.

Not every young driver is wreckless, not every young driver is responsible for killing on the roads or causing accidents, not every young driver has a modified car.

How does not declaring mods have absolutely anything to do with someone losing a family member? You are ignorant arrogant and dillusional you are practically saying that an engine swap kills people when not declared to your insurer.

 

[jordan101]

we are all part of the one forum, all like to drive and own civics, everyones points on this thread are valid and everyone has the right to voice there opinion however lets try and keep the arguing for the insurance companies and not for forum members, at the end of the day insurers need to allow some leniance on modifications being declared and not lumping a huge excess.

 

[mld22]

The only way people can drive down insurance is by voting with their wallets. Moaning about it on forums or fronting on policies is not the way to go about it. I've got my policy down year on year since I passed my test over a decade ago by ringing around. If you aren't happy with the price take your business elsewhere.

Loonsta what is with the hostility

Where else can i take my business?, its compulsory! The admiral insurance company just announced profits of over £200million. What a disgrace!!!

how many different insurance companies do you think there are? Not many is the answer. They all have different names but run by just a few companies.

They have no incentive to bring the price down, because they are all making huge profits, and its nearly impossible for small/new companies to come into the market and undercut these big insurance companies.

The only way i can drive my car is to pay absurd premiums, i feel cheated and taken advantage off and i have every right to express that opinion.

The only way around the problem is a change in the law.

And i do not fraud on my policy. I pay a fortune, and think it is wrong

 

[Loonsta]

Chip on my shoulder? This is actually the first i've mentioned it in a while and its because I dont believe the law in this country is very fair - letting someone away with vandalism but they will let you pay unfair and unnecessary insurance fee's and call them mandatory.

You've mentioned it countless times in this thread, it's obvious you have an issue with it. The Police failing to catch the perpetrator of a crime committed against you should have no bearing on whether you feel you should commit fraud as a result of feeling hard done by.

Juvenile tit for tat? it was none of that - i didnt have the cash cos of a scumbag so i didnt declare my mods, the angersome part is if i did get caught i would have got shafted but the guys who wrecked my car walked away laughing.

Didn't have the cash then as said you should have sold the car or taken it off the road. It may have not been your fault but it still doesn't justify nor make your actions any more legal.

With that response everyone on here can clearly see who the immature wee boy is.

And your saying getting your pride and joy ruined and costing thousands of pounds isnt a real problem? You need to take a look in the mirror pal - if you think a car is just a piece of metal when its your pride and joy you probably shouldnt even be on here.

It's a problem but not one that will make me cry myself to sleep over. It's a piece of metal, it may be a possession I enjoy but the health and well being of me, my friends and family are what I consider important, a car is not. If you value a car over and above friends and family I'm glad I'm neither of those in relation to you.

See this is where you are getting ahead of yourself - your tarring everyone with the same brush.

Not every young driver is wreckless, not every young driver is responsible for killing on the roads or causing accidents, not every young driver has a modified car.

How does not declaring mods have absolutely anything to do with someone losing a family member? You are ignorant arrogant and dillusional you are practically saying that an engine swap kills people when not declared to your insurer.

Young male drivers with modded cars are statistically the biggest insurance risk. All the gear and no idea, willy waving driving tactics to impress their passengers or racing other like minded prats on the the road are all contributing factors. Not all young drivers will cause an accident or a serious/fatal but a very high number do, hence why their insurance premiums are so high.

Ignorance and arrogance is something displayed by most young lads behind the wheel. When you're the other side of 30 you might have a different view to what you do now who knows.

 

[Loonsta]

Where else can i take my business?, its compulsory! The admiral insurance company just announced profits of over £200million. What a disgrace!!!

how many different insurance companies do you think there are? Not many is the answer. They all have different names but run by just a few companies.

They have no incentive to bring the price down, because they are all making huge profits, and its nearly impossible for small/new companies to come into the market and undercut these big insurance companies.

The only way i can drive my car is to pay absurd premiums, i feel cheated and taken advantage off and i have every right to express that opinion.

The only way around the problem is a change in the law.

And i do not fraud on my policy. I pay a fortune, and think it is wrong

Trawl the internet for companies, look in the back of motoring magazines there are plenty who specialise in modded cars one of whom has posted in this thread. If you've not made 20+ phone calls come renewal time you aren't trying. You don't have to go with one of the big companies who advertise on tv, most use brokers some of whom you can deal with direct and cut out the middle man.

 

[Daniel_Ek9]

Trawl the internet for companies, look in the back of motoring magazines there are plenty who specialise in modded cars one of whom has posted in this thread. If you've not made 20+ phone calls come renewal time you aren't trying. You don't have to go with one of the big companies who advertise on tv, most use brokers some of whom you can deal with direct and cut out the middle man.

Lad seriously 16 posts on this one thread.. Just move on

 

[Tuff]

It's my business and anyone else who owns and insures a cars business. Why? Because it's people like me who pick up the bill when twats like that hit someone (one day it might be one of you, see how your tune changes when some tool who is fronting runs into you) or do you not understand your premium is effected by this type of thing? Same as everyone feeling the need to claim whiplash despite not having it. Next year come renewal when you're moaning how costly insurance is or how much it's gone up you might want to think about it...

I didn't realise this was a Max Power type forum full of insurance fraud condoning chavs?

Insurance condoning chavs is a bit harsh. MOST owners on here are hardworking with everything legit.
I think what other owners are trying to say is, it will not make an ounce of difference to your insurance or to you.

Maybe are you just jelous a younger/new driver, driving a better faster car? or something you wished you owned at this moment in time?
Insurance is stupid as it is....

 

[GreedoUK]

Your insurance is void because you have not declared the mods. Fact, no amount of arguing or defending you can do will change that. You've paid for a policy that does not represent the vehicle you are covering, you have deliberately misrepresented the value/risk associated with you/the car in a bid to reduce your premium. The only grey area is whether you get caught or not. Use your argument in court and you would get laughed out. The policy isn't worth the paper it's written on if it's factually inaccurate.

I bet your a PCSO or something

 

[mld22]

Trawl the internet for companies, look in the back of motoring magazines there are plenty who specialise in modded cars one of whom has posted in this thread. If you've not made 20+ phone calls come renewal time you aren't trying. You don't have to go with one of the big companies who advertise on tv, most use brokers some of whom you can deal with direct and cut out the middle man.

I can't. I'm only 20, all these speciality companies will only insure over 25's. Also these companies, although often better than the larger companies, are not always cheaper.

I reckon i have phoned every single insurance company, when trying to insure my car. All think i am going to cost them an obsene amount of money.

I am a young guy and I am not an idiot and do not drive dangerously. I value my car too much to drive it in an stupid manner, and i resent being classed as one due to my age. But i can accept that there is a large amount of idiots my age.

Insurance costs are unacceptable in my opinion