July 2, 2020 The home of UK car culture

Repping your club could cost you your insurance

Adding stickers to your car without telling your insurance provider could mean a claim isn’t paid out, or your policy gets cancelled!

Reverand Wena Parry, 75, sent photos of her car (sporting some Jesus related stickers) to her insurer as part of a claim. The insurance company responded telling her that she had ten days to explain why she hadn’t told them about the stickers on her car and warned that ‘the policy may be declared void’. In a letter to Ms Parry her insurer, Age UK Insurance, said “These modifications do not fit our acceptance criteria for motor insurance. The cover would have been declined if we had been made aware of these at the time of purchasing your policy.”

Motorists are required to tell their insurance company if a car has been modified in any way, this is because modifications are typically changes to your car which are non-standard or don’t use approved parts which could make replacing them difficult in the event of a claim.

Car insurance policy costs are calculated on things such as the type of car, size of the engine, its age, etc, which means that anything modified could change how much you need to pay for your insurance policy. Anything nothing classed as standard can be seen as a modification, even things like decals, paint or wraps.

Matt Oliver, spokesperson for GoCompare car insurance said “While modifications may ring bells of the bygone boy racer, it’s worth remembering that insurers don’t just class body kits, exhaust systems or suspension changes as vehicle modifications. The average used car buyer could find that there are modifications they’re simply not aware of [on their vehicle].”

So remember, modifications can mean something as simple as having alloy wheels put on your car or even just tinting the windows. It is a good rule of thumb to let your insurer know when you change anything or if your car has any parts on it that weren’t part of the factory standard model to ensure you don’t find yourself in trouble when you need to make a claim.

Banner
Related Posts

Low annual mileage can mean a higher insurance cost!

A study done by pay-as-you-drive car insurer, By Miles, has found that drivers who average 5,000-6,000 miles a year could...

Mobile speed cameras exempt from the laws we have to follow.

We all panic when a mobile speed camera van appears as if out of thin air when you turn a...

Driver fined for deliberately obscuring view of speed camera

Jason Sayers, 47, was accused of putting lives at risk after parking his van in front of a mobile speed...

Uber won’t face criminal charges over death of pedestrian

Elaine Herzberg, 49, stepped out in front of one of Ubers self-driving vehicles in Arizona and neither the car nor...

Devon mechanic issued 310 fake MOT certificates

David Barrington, 32, has entered a guilty plea for 50 counts of fraud and asked for a further 260 related...

MOT error can leave you with a £2,500 fine

It has always been illegal to drive a dangerous vehicle, but following a number of changes made to the rules...

NTN-SNR Ball Bearings

NTN-SNR have one of the broadest and most comprehensive ranges of ball bearings on the market, from bore diameters of...

A new generation of Automotive Art

Barugzai, the new definition of automotive styling. To some, styling can be seen as a very personal and particular philosophy,...

Mobile Column Lifts

Over at Lonely Driver Club HQ (otherwise known as my garage) we have been looking into workshop/garage equipment and have...

Hit-and-run leaves 1 dead and 6 injured in Wigan

A 34-year-old woman has died from injuries in hospital after the Polo she was driving collided with a Mercedes and...

10 of the weirdest car related world records

Tightest car parallel parkingStunt driver Alastair Moffatt slid a Fiat 500C into a space that was just 7.5cm longer than the actual car...

Mazda CX-4 – Coming to Europe!

Ahead of its debut at the 2019 Geneva Motor Show, Mazda have released this shadowy rear shot of the new...

Bugatti Chiron Sport 110 Ans Special Edition

Car manufacturer Bugatti turns 110 this year and to celebrate they are making 20 special edition models of the Chiron...

Porsche Caught Going Over 100mph

Patrick Roche, 52, and the company he is the director of were convicted on 7th February of failing to give...

11 of the Most Annoying UK Driving Habits

Middle lane hogging – this makes it harder for other drivers to overtake. Despite police pledges to prosecute middle-lane hoggers,...