MK5 Golf GTI

General => Random Chat => Topic started by: JPC on May 17, 2010, 10:40:16 am

Title: Insurance Company sues for uninsured mods
Post by: JPC on May 17, 2010, 10:40:16 am
http://www.echo-news.co.uk/news/8164221.Car_owner_being_sued_by_her_insurance_firm/

Eeek.....

Just shows, in "fatal" circumstances, insurance companies will go to the Nth Degree to not pay out.

They even mentioned Pedal covers!

what a headache for someone!
Title: Re: Insurance Company sues for uninsured mods
Post by: Moschops on May 17, 2010, 10:45:13 am
foot pedal covers, gear lever knob, carpet mats, seat covers, multi-disc player and head unit.

Feck me a lot of the above is standard on most cars... :laugh:

Must admit, never heard of Diamond Insurance though...perhaps she was there only client... :signLOL:
Title: Re: Insurance Company sues for uninsured mods
Post by: Sunglasses Ron on May 17, 2010, 10:45:54 am
Read this the other day. Not only the pedal covers that's a bit concerning, but even things like seat covers and car mats..  :confused:
This is a blatant case of a young lad insuring his car through his mum, so I think they are trying to go to town on the other stuff to avoid paying out by the looks of things..
Title: Re: Insurance Company sues for uninsured mods
Post by: tanbe174 on May 17, 2010, 10:59:10 am
maybe it didn't had these things when they bought it (very unlikely)  :laugh:
Hope the judge will dismiss the case because it's just blunt stupid. Clearly they don't want to pay out.

Googled Diamond insurance and it's a woman insurance only company ??  :stupid:
Title: Re: Insurance Company sues for uninsured mods
Post by: Garth on May 17, 2010, 11:00:36 am
I'm sure if the only mods were interior stuff then they wouldn't be doing this. The insurance company would have a hard time proving that the interior stuff contributed to the accident. The suspension and wheels is pretty valid though.

When I was 17, I crashed my first car and it had alloys on it that were not declared. Direct line were the insurers and did refuse to pay out on the claim until I first paid them the extra £50 on the premium the alloys would have caused. This was very reasonable and very decent of them. I paid the extra, then they wrote off the car and gave me the full value as a claim.
This is one of the reasons I refuse to go anywhere else for insurance. The cheapest quote is not always the best, good service and peace of mind is well worth a few extra quid  :wink:
Title: Re: Insurance Company sues for uninsured mods
Post by: tony_danza on May 17, 2010, 01:00:39 pm
Obvious case of 'fronting' - throw the book at him for fraudulently obtaining and don't pay out. Abuse of Traders policies is just as bad.

Why should I pay a premium for other's to take the p***? If you can't insure it, don't buy it.
Title: Re: Insurance Company sues for uninsured mods
Post by: vRS Carl on May 17, 2010, 01:10:20 pm
Think the court may rule in favour of the Insurance Company on this one.

Lowered suspension, Alloys, Bonnet vent, Induction Kit and Stainless Exhaust. All should have been declared. I think they are just listing the other stuff to "pad out" their case.

Sounds like a case of a young guy who ran out of ability rather rapidly.
Title: Re: Insurance Company sues for uninsured mods
Post by: Richn83 on May 17, 2010, 02:19:20 pm
Think the court may rule in favour of the Insurance Company on this one.

Lowered suspension, Alloys, Bonnet vent, Induction Kit and Stainless Exhaust. All should have been declared. I think they are just listing the other stuff to "pad out" their case.

Sounds like a case of a young guy who ran out of ability rather rapidly.


As you say Mater, the list of performance enhancing mods (as much as they can on a corsa) should have been notified, however to include carpet mats and seat covers is ridiculous as these neither enhance the performance or cause the vehicle to be a more desirable target for theft not un-less the little geet installed diamond encrusted ones!  :grin:
Title: Re: Insurance Company sues for uninsured mods
Post by: Golfgirl on May 17, 2010, 03:43:26 pm
Must admit, never heard of Diamond Insurance though...perhaps she was there only client... :signLOL:

It's a women-only insurer (although I do believe they also insure men :stupid:) who are part of the Admiral group.