Hi
What dies it mean when your insurance company ask if you want non insured drivers on your policy? After seeing all the lunatics on the road, I am pretty confident that there is a big % not insured and the police don't seem to be doing anything about it. I was wondering if it would pay me to get uninsured on my policy.
My insurance quote has just returned. Full No claims and it has gone up by £87.
Cheers
Len
your best off simply asking them, and dont forget now is the time to ring around and get alternative quotes and tell your current insurer, as they may reduce the cost they have given you, or you simply go elsewhere
When your car is hit by an uninsured driver there is a pool of cash submitted by all car insurance companies to cover it.
I was hit by an uninsured driver as he reversed along the pavement, I managed to ride on the back of his car until he stopped and was unhurt. He called the police on me claiming that his car had been attacked by a berserker, high on drugs and alcohol. The 7 police officers that showed up failed to notice he was medically unfit to hold a driving license and that his insurance policy was fake. The custody sergeant told me it's impossible to ride on the back of a car, I am a camper and I used to rock climb.
I was first aider for his next victim; same accident on the same spot, this time his license was disqualified and his car seized for no insurance.
When people talk about uninsured drivers they automatically think that they have deliberately avoided paying for it but that's not always the case because quite often drivers will pay their insurance then do several modifications and not inform their insurance about the changes. These modifications for example are changing the wheels to a bigger size, uprating the suspension units, having an engine remapped, sticking dark film to headlights or rear lights and the list goes on. Of course in the event of a claim it gives the insurance grounds to refuse a payout based on the grounds that the driver has not submitted the modifications which means that the third party is then dealing with an uninsured driver. The Police cannot intervene because officially the driver is classed as insured so not committing an offence by not having insurance. This is why your insurance has asked if you want to include non insured drivers on the policy because the percentage of non insured drivers has escalated for reasons mentioned. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment. If my insurance asks if I want to include non insured drivers to my policy I now say yes because the risk is higher now than ever regarding the increase of drivers numbers which is evident by the volume of traffic on the roads.
. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment.
My Insurance company ( Admiral) don’t class a tow bar as a modification at all. We’ve just just renewed the policy this week.
If a driver has an ins policy, even if the company void the policy due to undeclared modifications, they are still liable for third party damage.
saxo1
Quote: Originally posted by clbewi on 20/5/2023
. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment.
My Insurance company ( Admiral) don’t class a tow bar as a modification at all. We’ve just just renewed the policy this week.
Many insurance companies don't class a tow-bar as a modification, but if you haven't told them it has one will they pay out if you make a claim? Better to tell them and cover yourself.
One thing I have always wondered about however is engine re-mapping. Unless there are stickers or something to that effect, how do you know if your car has been re-mapped by a previous driver? Years ago when a car was modified for increased performance, such modifications were immediately obvious, but today it is often just a case of re-programming a computer chip. There are no visual clues whatsoever.
An uninsured driver addition to your policy just insures you against any losses incurred and means that your no claim discount will be retained and any excess you had to pay on your policy will be refunded.
saxo1
Likewise how will they know my car has a detachable tow bar!
No accessor will be crawling under it in the event of a claim. In fact, they won’t come out to look at it. How do I know well, they look at the cars age and the impact damage, never going to be repaired as it would be uneconomical to repair.
When insurance companies ask if there has been any modifications to the vehicle, what they are referring to is if the car has been changed in any way from when it left the factory therefore A towbar comes under that category. However, I do agree that some insurance companies class a towbar as a modification and others don't which my previous car insurance didn't but my current one does which I had to pay an extra £9.50 but was still cheaper anyway but it does pay to inform your insurance about the towbar fitment to make sure you are compliant with their policy.
Many years ago a friend of mine had a towbar fitted to their car and unfortunately a car collided with their rear end whereby the towball not only demolished the the front grille but did extensive damage to the radiator as well which pushed up the cost of repair respectively. Apparently, my friend hadn't informed his insurance about the towbar fitment so they refused to pay out on those grounds. It then became a legal matter in which his insurance had to pay out the third party but repairs to his own car had to paid for by himself. That's not the end though because when he applied for car insurance the next year, he was asked if any claims had been made in the last 5 years. When he said yes, they asked for further details of the incident which the insurance quote had either escalated or some refusing to insure him at all. So in light of this, there's no debate on this topic I'm afraid as it pays to inform your insurance if you have a towbar fitted because it can eliminate the unnecessary misery and expense for the long term future. Whether it's classed as a modification or not, in the event of a claim, if an insurance company can find a legal loophole to avoid paying out they will.
Quote: Originally posted by tango55 on 20/5/2023
When people talk about uninsured drivers they automatically think that they have deliberately avoided paying for it but that's not always the case because quite often drivers will pay their insurance then do several modifications and not inform their insurance about the changes. These modifications for example are changing the wheels to a bigger size, uprating the suspension units, having an engine remapped, sticking dark film to headlights or rear lights and the list goes on. Of course in the event of a claim it gives the insurance grounds to refuse a payout based on the grounds that the driver has not submitted the modifications which means that the third party is then dealing with an uninsured driver. The Police cannot intervene because officially the driver is classed as insured so not committing an offence by not having insurance. This is why your insurance has asked if you want to include non insured drivers on the policy because the percentage of non insured drivers has escalated for reasons mentioned. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment. If my insurance asks if I want to include non insured drivers to my policy I now say yes because the risk is higher now than ever regarding the increase of drivers numbers which is evident by the volume of traffic on the roads.
Most of the above is a myth. The driver will still have third party insurance as that cannot be made invalid due to a modification etc. The insurance company will then claim the third party costs from the driver. If unsure check with your insurance company.
Quote: Originally posted by clbewi on 20/5/2023
. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment.
Pretty sure that is incorrect.
Nothing removed or replaced on my vehicle.
------------- XVI yes?
As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.
Quote: Originally posted by blueexpo97 on 20/5/2023
Quote: Originally posted by clbewi on 20/5/2023
. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment.
Pretty sure that is incorrect.
Nothing removed or replaced on my vehicle.
10 insurance companies later - between several cars, and although i have stated they have tow bars fitted, not one has been interested in it. im sure this whole thing is just an urban myth about having to inform them, although im not willing to test that fact out hence why i bring it up each year for what good it does.
Quote: Originally posted by blueexpo97 on 20/5/2023
Quote: Originally posted by clbewi on 20/5/2023
. It's amazing how many people tow a caravan or trailer and not told their insurance that they have a towbar fitted because it is classed as a modification due to the fact that the original rear crash beam has to be removed and replaced with a replica with an added welded structure for the towball attachment.
Pretty sure that is incorrect.
Nothing removed or replaced on my vehicle.
Which part is incorrect?
After removing the rear bumper, the rear aluminium beam is removed to replace it with a steel cross member, which my detachable to bar fits to. Then the bumper was replaced.
"One thing I have always wondered about however is engine re-mapping. Unless there are stickers or something to that effect, how do you know if your car has been re-mapped by a previous driver?"
According to Adrian Flux it is still your responsibility to determine if your engine has been remapped by a previous owner even if you need to pay to have it done.
saxo1
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Topic: Non insured drivers.
via mobile 19/5/2023 at 12:21pm
