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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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?
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.
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.