What is meant by modification I can understand some points but not others, fitting certain accessories, yes/no or fitting new parts such as Brake Pads and Discs or tyres, that are of a lesser quality than the manufacturer fitted items, could be regarded as a modification But when a few stickers and the the heinous crime of fitting a second cigarette lighter in the rear

Is a Freel2 sticker classed as a modification
What about the dealers stickers, can understand people being mocked for having a Stratstone sticker, but is it a mod

http://www.bbc.co.uk/news/uk-wales-south-west-wales-31064998

Last edited by ad210358 on 1st Feb 2015 8:46 pm. Edited 1 time in total

A modification is anything that makes your car more desirable for theft or damage

If you have two cars one with posh big wheels one without that would make the one with more desirable for theft

Likeswise a large religious sticker could attract Satens followers and it been keyed etc Former Mod/Member, with the most post & Chicken George Arch nemesis

I'd have said that the "Christ must be saviour" modification makes it less of a target for car theft, so should deliver a lower premium!  ...

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So fitting another Cigarette Lighter Socket in the back makes an old Vauxhall more desirable

An insurance policy is, as they say in Latin, Uberrimae Fidei - The utmost good faith. This means you should be open and honest about everything that you change to your car. However, consumable parts such as bulbs should largely be exempt from declaration. Afterall, a bulb can go and need to be replaced. Lighting upgrades are a different matter, such as HID kits obviously.

This bit caught my eye: "They have concluded that our request to declare all modifications was not made clear enough to Rev Parry and therefore she did not know which vehicle enhancements should have been declared."

The insurers would have fallen foul of the Contra Proferentum rule. This means any ambiguous term will be interpreted in a way least favourable to the party seeking to rely on it.

In simple terms, in a legal battle over the validity of the policy, the insurer would try to rely on the term of the policy but the customer would say it is vague and that they were unaware of what should and should not be declared. The court would interpret the term against the insurer as they are trying to rely on it and hence as in this case, the insurer has backed down and will review their wording. LL.B (Hons) - University of Derby
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In simple terms the car should remain how it left the factory! If anything is altered in any way then it is classed as a mod! However any new accessories which were fitted from new by the dealer do not have to declared hence why you just tell them the new value of the car! MY14 Kahn Converted Dynamic - Fuji White Ebony/Pimento Interior
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I have a cb radio fitted with number plate sticky type of thing
Would you call this a mod
Seems you can't fart in your own car with out calling up your insurer

The way I see it is just phone it in. I told my insurance company that I had fitted both winter tyres and a spare set of alloys to the ST and they didn't charge anything. They made a note of the tyres but didn't care about the spare rims!

Peace of mind by having declared though  LL.B (Hons) - University of Derby
LOT (Lord of Time) - University of Gallifrey

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What I see is its classed as a Mod to fit an extra socket, but you can fit a bargain basement set of ditch finders but that's ok

cqr wrote:

I have a cb radio fitted with number plate sticky type of thing
Would you call this a mod

me neither, I do remember having one in a Maestro van, 25 years ago, had a job in London and ventured into an underground car park, took out all the flourescant lights as I forgot to take the aerial off

Talk about not seeing a CB aerial, I haven't heard the words Maestro van in years!

RichP wrote:

I haven't heard the words Maestro van in years!

Not wishing to diversify off topic, but do you mean one like this?

N.b: it's a Freelander really....
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