MLO 351
Well-Known Member
It becomes the new owners responsibility to declare the mods to his chosen insurance company
In the instance of an accident, you can't plead ignorant and expect them to cover you by stating 'I didn't know the car was supercharged and thought they were all like that ...' lol
There is a grey area in the middle where I suspect some 'small' things are allowed to slip, but if it impacts the costs to the insurance company or if they really wanted to, they could reject the claim.
Even tinted windows = car could be seen as more attractive = car could be higher up a thief's priorities and / or could be more expensive to replace glass as part of an insurance claim.
If we look at switching an exhaust and then you get rear ended, they may well cover the claim, but I wouldn't expect them to replace the exhaust 'like for like' - chances are it would come back with an OE ford pipe back on it.
Funny (sad ?) story - I had some insurance work done on a BMW and after a week or so of it being returned, I noticed that during the repair someone had swapped out the silver turn signal bulbs and returned them to factory orange, even though they didn't replace the lights, they only had to remove / refit them during the repair. I don't know if that was purposeful or if it was just a case of some light fingered worker deciding he liked them and hoping I wouldn't notice upon collection ...
WD
The whole scheme seems wide open to me, .It becomes the new owners responsibility to declare the mods to his chosen insurance company
In the instance of an accident, you can't plead ignorant and expect them to cover you by stating 'I didn't know the car was supercharged and thought they were all like that ...' lol
There is a grey area in the middle where I suspect some 'small' things are allowed to slip, but if it impacts the costs to the insurance company or if they really wanted to, they could reject the claim.
Even tinted windows = car could be seen as more attractive = car could be higher up a thief's priorities and / or could be more expensive to replace glass as part of an insurance claim.
If we look at switching an exhaust and then you get rear ended, they may well cover the claim, but I wouldn't expect them to replace the exhaust 'like for like' - chances are it would come back with an OE ford pipe back on it.
Funny (sad ?) story - I had some insurance work done on a BMW and after a week or so of it being returned, I noticed that during the repair someone had swapped out the silver turn signal bulbs and returned them to factory orange, even though they didn't replace the lights, they only had to remove / refit them during the repair. I don't know if that was purposeful or if it was just a case of some light fingered worker deciding he liked them and hoping I wouldn't notice upon collection ...
WD
How would I know if a used car that I had purchased was modified by a previous owner.
Id be more then willing to sign off a declaration stating the car hadn't been modified from the date of my purchase, prior that I couldn't possibly be held responsible.
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