Just the sort of irresponsible driver who gets performance car users a bad name. How many other risks does he take?

Sal

And point being ? I have not had a accident for over 11 year . So i take risks NO!

And point being ? I have not had a accident for over 11 year . So i take risks NO!

Touch wood

only thing id say is.... how would you feel if someone hit you who had not declaired their mods to their insuree therefore making their whole insurance void (therefore making them uninsured... making car illigally on the road).... meaning you have to shell out, and lose ncbs etc.

Ok see your point BUt there plenty of uninsured drivers on the road any way.!

Ok see your point BUt there plenty of uninsured drivers on the road any way.!

I know was in a car accident last week when i was hit by one :thumbdwn: Wasn't my car or me driving, it was my m8 in his two week old '55 plate renault.... his been driving a year therefore only just started NCBs.... now his lost it.

I know was in a car accident last week when i was hit by one :thumbdwn: Wasn't my car or me driving, it was my m8 in his two week old '55 plate renault.... his been driving a year therefore only just started NCBs.... now his lost it.

Could happen to any one YES any one Even me . :eek:

:thumbdwn:

Did you hear the story recently about the guy on a Renault forum who boasted about peverting the course of justice and speeding and later got a visit from the local Constabulary?

Can not see how u could get visited by the Constabulary done nothing Wrong not crime? until i have accident maybe?

How about "Driving without Insurance"?

J

Ok see your point BUt there plenty of uninsured drivers on the road any way.!

Yes, and you make one more.

And point being ? I have not had a accident for over 11 year . So i take risks NO!

Could happen to any one YES any one Even me .

You contradict yourself within a few minutes.

You are knowingly driving without valid insurance, and you don't care. Zoidberg was right. You ARE an idiot.

Sal

Just realised that my insurance co. never asked me if it had cruise control. And this is the first car Ive ever had with it and therefore didnt see it as relevant as it was on the car ,fitted by factory, when bought.

Just realised that my insurance co. never asked me if it had cruise control. And this is the first car Ive ever had with it and therefore didnt see it as relevant as it was on the car ,fitted by factory, when bought.

No problem with anything on the car if it's factory fitted. The insurance co, is only interested in modifications.

Sal

The interesting question I'm thinking is what about cruise control retro-fitted, but with the VAG parts. Technically, it's exactly the sams as if fitted from factory, using OEM parts.

Does that constutute a "mod" ? Does an insurance company cross-check VIN with the factory-fitted options? :eek:

I'd hate to think of the following scenario:

Ah, but you have cruise control fitted. That invalidates any claim

But it's the VAG CC fitted from factory

Yes' date=' but according to our records, your vehicle didn't leave the factory with it fitted, it was added later as a "modification to the original specification" and because of that, invalidates your insurance policy...[/quote']

I know was in a car accident last week when i was hit by one :thumbdwn: Wasn't my car or me driving, it was my m8 in his two week old '55 plate renault.... his been driving a year therefore only just started NCBs.... now his lost it.

There's a fund for cases like this that we all pay into, your mate shouldn't lose his NCB and his legal cover should sort it all out for him.

only thing id say is.... how would you feel if someone hit you who had not declaired their mods to their insuree therefore making their whole insurance void (therefore making them uninsured... making car illigally on the road).... meaning you have to shell out, and lose ncbs etc.

Third party claims are still covered.

The interesting question I'm thinking is what about cruise control retro-fitted' date=' but with the VAG parts. Technically, it's exactly the sams as if fitted from factory, using OEM parts.

Does that constutute a "mod" ? Does an insurance company cross-check VIN with the factory-fitted options? :eek:

[/quote']

If the car has been changed since it left the factor then of course its's a mod. Tell the insurance company and you have fulfilled your contract with them. If they don't like the mod then tell them to **** off - there are plenty more.

Sal

Factory options are modifications because the car differs from the manufacturers original specification. Elephant are particularly keen on this and a guy on ukmkivs had problems with an accident claim because one of the wheels needed replacing and it was a factory fit upgrade over standard spec. He was quite lucky and in the end he just had to pay the cost difference between the standard wheel and factory option.

Mind you if there is blanket overexposure to this word in films and music surely it will cease to be a racist insult?

Mind you if there is blanket overexposure to this word in films and music surely it will cease to be a racist insult?

:confused: Are you in the right thread, Simon?

Factory options are modifications because the car differs from the manufacturers original specification. Elephant are particularly keen on this and a guy on ukmkivs had problems with an accident claim because one of the wheels needed replacing and it was a factory fit upgrade over standard spec. He was quite lucky and in the end he just had to pay the cost difference between the standard wheel and factory option.

Interesting point, Eddy. IMHO, NO insurer makes this clear. If you chose extra "options" when ordering a new car, NO insurance co explains this clearly. When you ask for a quote, they just ask you "have you modified your vehicle". I don't see why people are expected to believe a vehicle has been "modified" as it was purchased new as a factory order.

It's an interesting debate... :(

Mind you if there is blanket overexposure to this word in films and music surely it will cease to be a racist insult?

So will insurance costs then be reduced? :confused:

:confused: Are you in the right thread' date=' Simon?

Interesting point, Eddy. IMHO, [b']NO[/b] insurer makes this clear. If you chose extra "options" when ordering a new car, NO insurance co explains this clearly. When you ask for a quote, they just ask you "have you modified your vehicle". I don't see why people are expected to believe a vehicle has been "modified" as it was purchased new as a factory order.

It's an interesting debate... :(

They cover it with the question "Is the vehicle modified from the manufacturers standard specification?"

So therefore any options can be deemed to be a modification as they are not listed on the standard specification.

It would be silly to think that insurance would be the same for a standard car and one which has a factory fitted bodykit, alloy wheels or even factory ECU upgrade.

Without wading right through this thread, here is my bit:

When you order a car from a dealer with a factory fitted option, it will create a demand for that particular car. Assuming there is not one already available it will be entered into the factory's system and the car will be produced.

So, if the car is fitted with (for example) parking sensors, cruise control and leather seats during the build process it has not been modified - has it ? The original specification for that vehilce is the one to which, it has been built.

Wheels are a different matter as these are sometimes fitted by the dealer IIRC

Without wading right through this thread' date=' here is my bit:

When you order a car from a dealer with a factory fitted option, it will create a demand for that particular car. Assuming there is not one already available it will be entered into the factory's system and the car will be produced.

So, if the car is fitted with (for example) parking sensors, cruise control and leather seats during the build process it has not been modified - has it ? The original specification for that vehilce is the one to which, it has been built.

Wheels are a different matter as these are sometimes fitted by the dealer IIRC[/quote']

.....but then you haven't ordered a standard car it is your specification, not the manufacturers standard spec and from an insurers point of view more desirable.

I can also understand why cruise control would be considered a risk as it will reduce reaction times (feet are not on pedals) and can also reduce concentration because all you have to do is steer. I also suspect it would be much easier to fall asleep at the wheel when using cruise control.

I do find it hard to believe, though, that everyone who specs cruise control declares it at insurance time. Also I dont believe an insurer would refuse to pay out on a car that had it fitted IF it was on the factory options list (Octavia=yes Fabia=no)

How about this scenario then:

You've not had the car long and it's your first motorway trip in it. You set the cruise to 50 through some roadworks on the motorway, you get to the NSL sign at the end of the roadworks and accelerate upto 70, you then begin to catch up traffic so lift your foot off the gas pedal expecting the car to slow down in plenty of time. However it slows to 50 and then carries on at that speed. At first you don't realise then panic and brake but by this time your stopping distance has been reduced and you have a minor bump into the car infront.

The cruise control was an optional factory extra that you specifically requested from the options list over the standard spec. Would the accident have happened if you didn't have cruise control? Would your insurers have a case not to pay out?

If you specified an optional factory fit alarm or tracker would you tell your insurer? of course you would as you'd expect a reduced premium.

My dad specified dealer-fit mud flaps on his Astra - Should he tell his insurance company?