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Do Insurers Own My Modifications?


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#1 jeebowhite

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Posted 01 March 2014 - 09:46 PM

In the event that the insurance company do write off my motor... Do the mod's belong to them?

 

I.E. if I remove the bulbs, or remove the stereo.... would I be kicked for it? or does it not matter?

 

The likes of the DRL's. the Radio (really fond of that!) and the LED's are all what I would like to keep and pass on to the next motor if it gets written off!

 

If it doesnt... then I might have to remove these and sell the car on without them!



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#2 BigD

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Posted 02 March 2014 - 10:55 AM

Did you tell them about the modifications?  They'll try to wriggle out of their obligations in any way that they can so be ultra-careful what you say.

 

If you still have the car in your possession, I'd put it back to standard sharpish, just in case, and keep your mouth shut.



#3 jeebowhite

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Posted 02 March 2014 - 12:39 PM

Hi matey, they are aware of the mods I just don't want to lose some of the expensive ones if I can claim it back...

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#4 stevegtuk

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Posted 02 March 2014 - 02:58 PM

Whatever you declare is insured , so if the cars written off they pay you out for the car and everything you had insured so yes the mods are included.

 

You cant just get something paid out for by the insurance but also get the item back too, its one or the other.



#5 jeebowhite

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Posted 02 March 2014 - 07:45 PM

Dammit here was hoping.. Well if they do write off I might ask if I can buy some mods back....

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#6 stevegtuk

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Posted 02 March 2014 - 10:10 PM

You could take them out as soon as you have an accident and hope they don't notice, but if they send an assessor he/she might have a list of the mods you declared and check to see if those are there. If you didn't specify the exact radio or other items, you could always try switch them for a cheap version.

Eg take out the fancy radio and put in a cheap one, then if they ask say you knew it was worth less than the original one but thought you had to declare it because it wasnt standard ;)

 

or just ask to buy the car back. depending on the damage, you may be able to fix it cheaply, or it may work out cheaper to buy the car than to buy the same mods new again.



#7 jeebowhite

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Posted 02 March 2014 - 10:31 PM

thats true, to be honest, theres only about £50 of LED's and a £130 radio, otherwise the rest is pointless! It would have been nice but not really worth it!



#8 BigD

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Posted 03 March 2014 - 11:34 AM

At least you've an excuse to go out and buy a new stereo.  (when you've got a motor to put it in, that is).



#9 jeebowhite

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Posted 03 March 2014 - 11:40 AM

Sadly., I dont think I will be so lucky!

 

The money would have to go towards paying bills!



#10 alexp999

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Posted 03 March 2014 - 12:48 PM

Are you paying extra for the mods?

 

On my insurance they are aware but do not cover the mods. i.e. if I have an accident or the car is written off, they will only pay to put it back as standard.

 

I'd love to know where I stood on this, as they are not covered, but you have to give the car up if its written off?

 

Where does an accessory stop and a modification begin though...



#11 jeebowhite

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Posted 03 March 2014 - 12:54 PM

Well, I just spoke to them and they said that I can remove the mod's and replace with factory standard (in the event that they write it off!)

 

so, if someone has a 6000cd radio that doesnt work... that would be awesome!



#12 alexp999

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Posted 03 March 2014 - 01:00 PM

Good to know, I still have the original spoiler for my car in the loft. I imagine it might vary between insurers though.



#13 jeebowhite

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Posted 03 March 2014 - 01:17 PM

Thats one of the many things I havent touched on my motor! :P



#14 Nighthawk

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Posted 03 March 2014 - 01:27 PM

When I rolled my rover when I went to collect my belongings I ripped out the stereo and they paid up with no mention of it being gone (considering it going in the crusher) I guess if they did question I would of said it must of flew out in the crash lol

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#15 Byr0n

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Posted 03 March 2014 - 01:47 PM

Have you had an accident James? or you planning an insurance job? lol



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