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Friends crashed his mk3....... needs advice!!!

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joesgti:
So my best mate crashed his mk3 gti on friday, he is a uni student and had to hand all his work in on friday, so he stupidly stayed up for 2 day's in the libary in UCLAN with no sleep. handed his work in and drove home.

He got round the corner of his house (after a 20 mile drive) and fell asleep (literally 20 secs from his house), smashed into a curb and through somebodys back garden. now the car may be a write off but the insurence said they wont pay out because its 'modified' it has lowered susspension (springs) and alloy wheels, now they havnt even inspected the car, they called up and asked if it was modified and he said yes, they dont know any of the mods and havnt inspected it, he just said 'yes'. so with such small mods should they be paying out?? 

where does he stand? any advise would be great  :smiley:

Hedge:
Nowadays Joe the insurance companies will do whatever they can to avoid paying out. Sorry to say but he could well be buggered.

This is why you really need to declare any mods. He may get lucky though and might try by offering to pay the difference in premium with the mods.

joesgti:
even though the mods are just cosmetic??

Hedge:
Not in their eyes Joe.
Lowered = better handling and Alloys potentially means bigger/wider wheels and lower profile tyres therefore better handling.

Essentially even cosmetic mods count as they make the car more desirable to thieves.
Adding carbon wrap will bump up your excess so essentially a carbon wrapped splitter could have insurance implications if not informed.

Sorry mate just one of those things.

bacillus:
The insurer would probably say that the rims make the car more desirable for a would be thief and hence required a higher premium.

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