ClioSport.net
Register a free account today to become a member!
Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!
-
When you purchase through links on our site, we may earn an affiliate commission. Read more here.
Was it down to not declaring mods or something?
So what did you do if it wasn't drink driving?
i had an air filter and my wheels powdercoated black, I was at work and my car was parked on my street. My mum was in and a tourist knocked on the door he crashed into my car and accepted full responsibbility but he was going back to the airport en route. The insurance didnt pay out and voided my insurance cause they wernt declared.
That was over 2 years ago now and have been paying roughly £70 a month TPFT ever since (Im 22 this month) now looking to get something a little more luxurious i.e BMW/Audi/Mercedes but just wondering if there is anyway to 'clear youre name' as people grow up and accept what they have done paying 2 years of high premiums for something i didnt really do but i have accepted it. It is also stopping me getting insured on a business van for my work and basically becoming a joke.
Any help would be great.
That was over 2 years ago now and have been paying roughly £70 a month TPFT ever since (Im 22 this month) now looking to get something a little more luxurious i.e BMW/Audi/Mercedes but just wondering if there is anyway to 'clear youre name' as people grow up and accept what they have done paying 2 years of high premiums for something i didnt really do but i have accepted it. It is also stopping me getting insured on a business van for my work and basically becoming a joke.
Any help would be great.
There's the first problem
may look as if I'm on a high horse, but really the mods weren't down to you?
Knuckles
ClioSport Admin
They were seriously that petty? Over black wheels and a bit of foam?
I paid £800 a year when I got my 172 at 23 so £70 a month for a 172 sounds quite good at 22.
Not quite. He went through his own insurance. The TP insurer makes no comment on mods and also will never contact another insurance company if they can avoid it.
Knuckles
ClioSport Admin
his fingers after playing hand puppets with someones mrs... full story needed.
Last edited:
I only have a 1.2 so £70 a month third party fire and theft at 22 is quite high.
Yes it is the reason its high and i cant get a quote from some people
That is the full story. I have black powedercoated wheels and an air filter 'performance enhancing mods' was what was stated from my insurer at the time.
I know people will tell me its my fault maybe it is but i personally think ive paid for my mistakes and its time to move on but no one can give me a straight answer as to how long it is on me for some people say surely 5 years max and others say its with you for life.
So is there a way to clear my name? or any way around it?
Yes it is the reason its high and i cant get a quote from some people
That is the full story. I have black powedercoated wheels and an air filter 'performance enhancing mods' was what was stated from my insurer at the time.
I know people will tell me its my fault maybe it is but i personally think ive paid for my mistakes and its time to move on but no one can give me a straight answer as to how long it is on me for some people say surely 5 years max and others say its with you for life.
So is there a way to clear my name? or any way around it?
2007 clio dynamique
This may not be the right thing to say but what if he just didnt tell them ? If the insurance had to be used would they be able to see that far back ?
Because that worked so well the last time, poor advice imo. Gally may be able to offer advice (maybe).
brisa4984
ClioSport Club Member
For Tpft!!
I always do fully comp as I find tpft either costs the same or is more expensive.
Rob
ClioSport Moderator
Things you're doing wrong:
Interest rates on insurance policies are currently massive in general, so per month may be £70 but the policy may only be £500 originally.
TPFT is not actually always cheaper (personally in my case it pretty much never is). It was cheaper to be FC on my first 172
Postcodes dictate insurance massively, insurance is on the rise and 22 isn't exactly old.. have you tried a quote without declaring this?
Finally, what are you actually declaring? I'm confused.
When I've got insurance they've never asked me if I've not managed to get a payout or whatever?
Interest rates on insurance policies are currently massive in general, so per month may be £70 but the policy may only be £500 originally.
TPFT is not actually always cheaper (personally in my case it pretty much never is). It was cheaper to be FC on my first 172
Postcodes dictate insurance massively, insurance is on the rise and 22 isn't exactly old.. have you tried a quote without declaring this?
Finally, what are you actually declaring? I'm confused.
When I've got insurance they've never asked me if I've not managed to get a payout or whatever?
Also who are you even with?
+1 im looking at £2000-£2500 in september for re-newal :/ 3 years no claims and i turn 21 in january...
car value as standard £1000 tops :/
jenic
ClioSport Club Member
Crazy.
You need to learn what specialists are, that or go standard. IME companies on comparison sites load premiums massively for mods.
For a 1.2 Clio? Are you actually on medication? Seriously.
The mind boggles.
Oh and i've no idea if the earlier poster who suggested not mentioning it was joking or not. I really hope he is.
2007 clio dynamique
I didnt mean for him not to tell them , i was just wondering if the insurers can see your history that far back ?
It's a risk you take. You knew you should have insured the changes and you didn't bother.
As for how long you have to declare it, by the looks of things it's indefinitely. But you need to ask someone who knows what they're talking about. Not just people guessing on a forum.
PM Ollie/SkyInsurance.
As for how long you have to declare it, by the looks of things it's indefinitely. But you need to ask someone who knows what they're talking about. Not just people guessing on a forum.
PM Ollie/SkyInsurance.
MR2 Mk1.5
Something doesn't sound quite right to me here either but none the less, we may be able to help.
megane 285 sport
well most companys ask for accidents or convictions in the last 5 years some 3 years, or is voiding a insurance policy more serious?
