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Dom · Sep 13th, 2002, 04:59 AM

Quote:

Originally posted by rjwhittington
The trend in the UK is now for 18-25 year old to customize small cars. e.g. Big exhaust, Alloy wheels, Spoilers, Engine Mods and Body Kits, Stereos. But I cannot believe even one of them informs the insurance company of any of these mods.

As they can only afford 3rd party insurance I suspect it makes no difference, as the insurance company is unlikely to refuse payment to an innocent 3rd party.

Surely modifications only affect us Comprehensive policy holders where the insurer has some scope to protect itself. A friend of mine (30+) had no end of trouble getting agreement on increasing size tyre widths by only one size.

Do insurance companies really take a responsible attitude to customization of 3rd party insured youths? If they clamped down I'm sure we could drastically cut the mayhem on our roads.

I don't think that's too fair a comment. I happen to be one of those youths (albeit, with a bit more taste), and I know plenty. I've definitely declared all of the little things that I've changed on my car, even my stereo. My friend has a roll cage in his car, and there's only about 8 insurance companies in the UK that will thus insure him... he still went through the trouble of finding them and declaring it.

I will agree, however, that some of the cheaper sheds are not declared.

I just would rather not be told that I haven't declared my mods

Dom

Sep 13th, 2002, 04:59 AM	#13
Dom Test thread infiltrator Join Date: Oct 2001 Location: Swindon Local Time: 02:47 PM Posts: 8,543 Offline	Quote: Originally posted by rjwhittington The trend in the UK is now for 18-25 year old to customize small cars. e.g. Big exhaust, Alloy wheels, Spoilers, Engine Mods and Body Kits, Stereos. But I cannot believe even one of them informs the insurance company of any of these mods. As they can only afford 3rd party insurance I suspect it makes no difference, as the insurance company is unlikely to refuse payment to an innocent 3rd party. Surely modifications only affect us Comprehensive policy holders where the insurer has some scope to protect itself. A friend of mine (30+) had no end of trouble getting agreement on increasing size tyre widths by only one size. Do insurance companies really take a responsible attitude to customization of 3rd party insured youths? If they clamped down I'm sure we could drastically cut the mayhem on our roads. I don't think that's too fair a comment. I happen to be one of those youths (albeit, with a bit more taste), and I know plenty. I've definitely declared all of the little things that I've changed on my car, even my stereo. My friend has a roll cage in his car, and there's only about 8 insurance companies in the UK that will thus insure him... he still went through the trouble of finding them and declaring it. I will agree, however, that some of the cheaper sheds are not declared. I just would rather not be told that I haven't declared my mods Dom