truman Posted August 24, 2012 Share Posted August 24, 2012 f Insurers should only refuse to pay out if a given modification plays a part in an accident, that chap with the alloys is totally unfair [Devil's advocate]..if the original car was manufactured with steels then the premium will be based on that..why should the ins. co. fork out on a set of alloys which weren't covered? Where does it stop?can I replace my box standard stereo with a 2 grand "thumper" and expect the insurance to pay out for that if it gets stolen?[/devil's advocate] Link to comment Share on other sites More sharing options...
Garbo Posted August 24, 2012 Share Posted August 24, 2012 [Devil's advocate]..if the original car was manufactured with steels then the premium will be based on that..why should the ins. co. fork out on a set of alloys which weren't covered? Where does it stop?can I replace my box standard stereo with a 2 grand "thumper" and expect the insurance to pay out for that if it gets stolen?[/devil's advocate] no, they should, if the wheels were damaged, replace them with steel wheels, ie, the limit of the insured value Link to comment Share on other sites More sharing options...
truman Posted August 24, 2012 Share Posted August 24, 2012 no, they should, if the wheels were damaged, replace them with steel wheels, ie, the limit of the insured value I understand what you're saying .. let's change it a bit..how about the alloys were stolen.would you expect the ins. to replace those with steels? The original steels would probably not have been stolen so the ins. co. would not have had to pay out..hence the lower premium (maybe)..the higher cost/risk of the alloys would have increased the premium..if you get my drift ( sorry if I've not explained it properly) Link to comment Share on other sites More sharing options...
Garbo Posted August 24, 2012 Share Posted August 24, 2012 I understand what you're saying .. let's change it a bit..how about the alloys were stolen.would you expect the ins. to replace those with steels? The original steels would probably not have been stolen so the ins. co. would not have had to pay out..hence the lower premium (maybe)..the higher cost/risk of the alloys would have increased the premium..if you get my drift ( sorry if I've not explained it properly) no, they shouldnt pay in this instance, the loss was directly linked to the undeclared mod Link to comment Share on other sites More sharing options...
some guy Posted August 25, 2012 Share Posted August 25, 2012 Seriously Are people going to put up with this? Bloody ridiculous. Bring on the revolution, I'll fight for my freedom, will you? Lets stick together.... I'm with you! Link to comment Share on other sites More sharing options...
stereolab Posted September 11, 2012 Share Posted September 11, 2012 Brilliantly this was all total nonsense from the usual tabloid idiots - just shows you how stupid you can look getting yourself worked up over some lie you read in the paper. http://tabloid-watch.blogspot.co.uk/2012/09/none-of-newspapers-checked-facts-with.html Reports in the press that the European Commission has proposed to make modifications to cars illegal, or to ban classic cars unless they are unchanged since manufacture are entirely wrong. The Commission’s proposals would not, if agreed by the Member States and the European Parliament, make any difference to the current situation regarding MOT testing in the UK except to make most classic cars more than 30 years old exempt from testing if they are not used day-to-day on the roads. All other cars would remain subject to roadworthiness testing, just as they are now. Whether or not they have been modified is not of itself relevant: what counts is whether they are safe and that is what is assessed by MOT tests in the UK and by the equivalent tests elsewhere. What the proposals will do is require all Member States to bring their road worthiness tests up to a certain level of rigour, already applied in the UK : for example, motorbikes will need to be tested regularly everywhere, as they are already in the UK. This will make driving safer for UK drivers at home and abroad. Link to comment Share on other sites More sharing options...
alchresearch Posted September 12, 2012 Share Posted September 12, 2012 I knew it. This made it to one car forum I frequent, and someone posted this: Most of the new fails will be down to mods fitted to cars & not manufacturer approved /fitted .. MOT fails may be ...Alloy wheels, Body kits , Retrofit DRL's , CD/Stereos , Tow bars etc .... Link to comment Share on other sites More sharing options...
big_g Posted September 12, 2012 Share Posted September 12, 2012 This is the EC legislation that we're talking about, isn't it? I wonder just how far this will go? My car is meant to have Michelin Energy tyres on it. I've put Toyo tyres on for two reasons - the handling is better and they are cheaper. They are the same size and same speed rating though. So, is that a modification? Also, in winter, I may put some cold weather tyres on. Rather than messing around with getting the tyres changed, was just going to put the summer tyres onto alloys and use the current steel rims in winter. That will obviously be a modification using alloys. What if they are genuine Citroen alloys? Link to comment Share on other sites More sharing options...
mattressstx Posted September 12, 2012 Share Posted September 12, 2012 Yes you are right...it is a way far,,,it requires a lot of effort on part of everyone to remove all the unsafe cars from road and it is not an easy task at all. I hope one day this can be done to make everybody's life easy and safe. Link to comment Share on other sites More sharing options...
alchresearch Posted September 12, 2012 Share Posted September 12, 2012 This is the EC legislation that we're talking about, isn't it? I wonder just how far this will go? My car is meant to have Michelin Energy tyres on it. I've put Toyo tyres on for two reasons - the handling is better and they are cheaper. They are the same size and same speed rating though. So, is that a modification? Also, in winter, I may put some cold weather tyres on. Rather than messing around with getting the tyres changed, was just going to put the summer tyres onto alloys and use the current steel rims in winter. That will obviously be a modification using alloys. What if they are genuine Citroen alloys? Read post 46. Link to comment Share on other sites More sharing options...
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