Quote:
Originally Posted by EUPremier
I’m really curious as to what data you’re relying upon to be so certain as to decide my statement was, ‘…just not true’? ��
Here’s a statement from the UK Government’s Financial Ombudsman’s office with responsibility for Insurance Services specifically on this matter:
“From tinted windows to new alloy wheels, the pitfalls of vehicle alterations have been highlighted by us for the first time.
We’re encouraging drivers to check their insurance policy small print or risk huge bills.
We can help consumers if they feel unfairly treated by their insurer.
Modifying vehicles could leave drivers thousands of pounds out of pocket.
We are hearing from increasing numbers of vehicle owners who have been left to pay significant sums because they unknowingly invalidated their car insurance.
Car modifications can range from body kits and custom paintwork to performance enhancements such as upgraded exhaust systems or engine tuning.
Whether it’s changing alloy wheels for extra style or remapping the Electronic Control Unit (ECU) for better engine performance, not declaring these modifications can have serious consequences.
We see cases where a failure to declare these modifications leads to insurance being invalidated or claims being rejected in the event of an accident.
Often drivers are not aware that modifications – even seemingly minor alterations such as tinted windows or stereo system enhancements – can lead to higher premiums due to the increased risk associated with those vehicles.
Rachel Lam, Ombudsman Director of Insurance at the Financial Ombudsman Service”
Read more here |
Im sorry for those of you living in the UK and having this kind of exclusion clause in your policy.
That said, I would defer back to my original statement. This isn't discretionary; it will be noted within your policy, as the note from the Ombudsman indicates:
'We’re encouraging drivers to check their insurance policy small print...'
So my original statement really stands. It's not real if the documentation/policy doesn't support it.