So the other party will be COVERED you mean.......not "insured". They should be insured themsleves for 3rd party min, as anyone out there should be, but they claim off the INSURED parties insurance, ie the twonk who is DD'ing..! I see what you mean and you are right, but so am i, if you DD, you are still "insured" (if you have done all the insurace stuff correct) in the eyes of the law, ie minimum 3rd party so anyone you hit or hurt is not out of pocket.rodenal said:"And NO, on a stock car, with everyhting declared, driver details, offences, car details etc all above board, you will not have VOID insurance if you "drive like a ****" and kill someone. You proabbly wont get insurance too cheap again, but you WILL have been insured!
Same as if you are stupid enough to drink and drive and have a crash,....you are still insured as that is part of the risk they covere you for, ie being a twonk and drinking and driving!"
No that isnt correct im afraid. If the police convict you of any major driving offence (dangerous driving drink driving driving under the influence of another substance) You will not be insured. The person you hit will.
You would get shafted for every penny and be in serious risk of a jail sentence.
I used to work in an insurance claims dept, i know what im talking about
campbell said:monkey trousers- direct line dont like modifications unless your over 25 i think so if you dont mind me asking how old are you!?
and what is your insurance premium
monkeytrousers said:I'm 35. The premium is roughly £450 fully comp.
simch said:Maps are detectable. Relatively easily using Vag com even, even when they are switched back.
Just on the flash reader whihc will increase each time its switched on and off.
Just thought id add my exsperiance, i had a seat leon cupra, it had 18inch rs4 alloys, and had a modded engine, airfilter, recirc valve(all done by previous owner apart from the alloys)
The car was wrote off by someone else driving into the side of it whilst in my works car park.
The insurance had my car for 2 weeks before making me an offer of £1800 i said no flat out, the guy said if i could prove its had work done on it then he would get the price bumped up, so out came the reciepts, £150 for 2 new tyres was one of the reciepts, a cambelt and water pump, this done the trick, i got £2000 in the end, not bad considering i bought the car for £1450 and £200 for alloys
So adding mods and not declairing is luck of the draw, i added a reciept for tyres for alloys that didnt come as standard, but they paid out and gave me more money?lol
Also the lady that hit my car was insured by the same broker as me, so the insurer took the full brunt.
map or not, for insurance to be invalid after an accident would mean them having to decide whether the accident was down to the map, killing a child whilst doing 30 mph cannot be blammed on a map, neither can crashing a car at 75mph on the motorway
insurers are more interested in checking that the car was NOT in a road worthy state before the accident, as this will be sufficient enough in court to blame a bald tyre for the accident
it is so much easier to blame brake disks, pads, tyres, suspension for an accident than a map !!!
I think you'll find the insurance company cant simply void the policy. They at worst will reduce the policy right down to a barebones "road traffic act only" cover, which provides the absolute bare minimum of cover as required by the RTA.
They ofcourse might then choose pursue a civil case against you to recover their costs incurred.
Holy thread revival Batman, it's a thread from the dead.