insurance declaration and the law

[duncanpound]

hey guys

a mate of mine got stopped by police for tailgating and overtaking on bends as well as irratic driving

they took his details and cross checked the insurance with their colleagues on walky talky.

they didnt mention mods but the officer said well you got urself a nice exhaust on there. bet that adds a few hp.

he also has non standard alloys tinted lights etc etc etc

why would they not pick up on this???

[matty101]

probly cos they didnt want the paper work tbh

[duncanpound]

or thought its only fair we give him 3 points and a fine lol and leave the rest

[Octane2097]

the police only really check if your insured to drive the vehicle, (and that its road legal of course)
if you do have any ilegal mods then the police would say somthing
but not weather its declared or not because they wouldnt be coverd anyway

[BIG DAN]

i have been stopped by the police on a regular basis and did my home work and you dont have to register all the mods ie alloys if you dont regester them you cant claim for them but it doesnt invalidate insurance they do like to pick at young drivers cars as they are an easy taget and get worrried

i got pulled by the plod when i had a friend in the car and he was also a copper he said nothing until they started too pick at the car then he popped up and said sometinhg then they went on there way

if your car has performance mods then you have to regester it but you cant claim for things that arnt regestered !

[Octane2097]

most decent insurers wouldnt charge extra anyway
at the end of the day you pay thru the nose for insurance, but its there when you need it.
seems stupid paying £1000 to modify your car and not covering the mods
think of it like taking out a home insurance policy and not telling them you have a 52inch plasma TV home cinema system

if your house gets burglerized and your system gets nicked they are going to say... tough poo!

[duncanpound]

well twice in 2 weeks bastard fuzz has pulled me now. last night they had had reports of a green corsa slapping some1 and driving off. it wasnt me tho n they checked my story n everything that id just come from home so all gd. they didnt mention anything else. literally just on ur way :L

i think cops my way r pretty sound..................................................................at the moment!!!!!!!!!!!!!!!!

[Jimi137]

most coppers are pretty sound about mods tbh - a lot of them have been there and done that when they were young (one of them that pulled me had a done up metro and another had a dun up nova b4 they became pigs). Most of the time they really only care if u drive well and ur car is legal.... most mods they aint interested in but if they do see some big stuff (eg engine conversion etc) then they wud get a bit more dubious.

In the end most insurers dont really care that much about minor mods, the only things they really care about is engine and suspension stuff. alloys, bodykits and lights etc dont really bother them as they wudnt be paying for them anyway if it got nicked

[adelfjohanason]

You taken new Insurance before You read all rules of the insurance and read all rules which condition insurance company is give insurance value and also what is say of insurance scheme and also read all terms and condition of the insurance and also look how to paid insurance value.also look which situatio condition is broken and insurance is faill.

[duncanpound]

You taken new Insurance before You read all rules of the insurance and read all rules which condition insurance company is give insurance value and also what is say of insurance scheme and also read all terms and condition of the insurance and also look how to paid insurance value.also look which situatio condition is broken and insurance is faill.

i dunno if its me but this sounds like

[dinglec20xe]

coppers are ok round here, ive ben pulled for pressed plates/german font, my cars been lowered 120mm on 14" steelies, has polycarbonate windows, harnesses, fully stripped interior, and a standard corsa sport exhaust and onlh thing i got asked was 'is your exhaust standard' and 'whats this some sort of race car' xD

[William01]

I think only the police can check if you assured to drive the vehicle. If you do have any illegal feel then the police can say something but not either it’s declared or not, it is just because they wouldn’t be covered anyway.