Which is logical enough, I have an agreed value policy. Some time when I
have made enough improvements I might see if I can up the value, however
since most of my mods are DIY camping equipment in the back, I have already
discovered that no-one will insure that unless you go the whole hog and
declare it to be a motor caravan. (mine would probably not qualify for
insurance as such)
I suppose it depends much upon the nature of what you claim for, for
instance if the thing caught fire because of faulty wiring I had installed,
I can see an insurance company objecting, or if it blew up because I have a
gas bottle in the back, again, they wouldn't want to pay out, but then I am
not insuring myself against such eventualities.
If it is stolen, or written off in an accident I would lose out, but then if
I paid a huge amount to insure everything the likelihood is I would lose out
too.
I do have experience of insurance companies haggling with each other, when I
had a burglary some years ago and was self employed at the time, so that
gave scope for two companies to argue what was and what was not business
related.
Now if something as trivial as attaching my numberplate to the grille and
not the bumper were to invalidate my insurance I might as well join the
bandits.
Anyway if an insurance company ever wants to argue with me, they will tire
out in the end because I can argue for England, most people would just give
up or chew there legs off
--
Larry
Series 3 rust and holes
"hugh" <hugh@[127.0.0.1]> wrote in message
news:
[email protected]...
> In message <[email protected]>, Larry
> <[email protected]> writes
> There are 2 things which interest insurance companies - risk of claim
> and associated pay out and valuation of vehicle in the event of a
> payout.
>
> If you fit non-performance enhancing accessories as has been mentioned,
> and don't inform your insurance company, they will not make any
> adjustment to their valuation in the event of theft or accident write
> off. LPG conversions are another example which come into this category.
> Similarly if any accident repair work is extended by the presence of
> such an undeclared accessory they will not fund the extra cost. In my
> case luckily I had declared the fitting of a roll cage which
> substantially increased the work involved in replacing a front wing.
>
> Performance enhancing modifications MUST be notified as they may well
> invalidate your insurance and generally will incur an increased premium.
> Anything which could conceivably increase risk should also be notified,
> and regrettably some insurance companies consider an LPG conversion in
> this category also. It is not the policy holders opinion that matters
> but the insurers. It is true that many insurers do not understand the
> nature of the Land Rover. They are pretty easily identified and easily
> avoided.
>
> Coming back to the OP , whilst it doesn't answer the original question
> as to legality I would have thought that a quick phone call to your
> insurers to explain the situation would be worth the peace of mind
> knowing that if you did impale a pedestrian or cyclist on the front end
> at least you would be insured. Who knows, the call centre operator might
> know if it's legal or not (joke)
> --
> hugh
> Reply to address is valid at the time of posting
