[supa-dupa-cooper]

Quote: Originally Posted by South Shore Lad (original)

I too have been following/contributing to the recent accident thread on here.

At one point a frequent poster said it was all getting a bit silly when we started talking about tyre mods. And yet here, RR is saying that ALL mods, even cosmetic, should be listed!

Now I can understand a claim getting busted back if safety/performance/handling mods (and I agree tyres/wheels should be amongst these) aren't notified, but cosmetic...?

The way I understand it is that your car has an agreed value with standard kit/approved extras. If it's damaged/a total loss, they'll repair to original spec, or will replace with market value - again to the value of original spec. I'd have thought undeclared cosmetic mods won't affect the validity of a claim as such, it's just that the value of them won't be covered when it comes to replacement.

As ever, please correct me if I'm wrong!

SSL

Insurance companies will do anything to get out of paying up

The rear spoiler/side skirts on my car were declared on insuring it....on renewal they denied knowledge of it, refused to reinsure the car and told me it hadnt really been insured properly.....they DO NEED to know, coz if ANYTHING happens they MAY NOT pay out...its just not worth it