- PSA (ish). Declaring roof rack etc to Motor insurer.
I’ve just been chatting with a chap who had his claim for motor damage turned down by his Insurers as he failed to tell them he had a roof rack fitted.
His bike on the rack took damage, which then damaged the car, from a lower than anticipated obstruction.
Damage to bike and car both turned down based on non-disclosure.
I’m surprised a temporary modification/addition such as a roof rack requires declaring but I’m going to let mine know as they currently don’t!
Same rules for a tow ball, which I sort of assumed as it is a permanent modification.Posted 2 months agomatt_outandaboutSubscriber
I’ve told ours for years now about roof racks and towbar – and that we carry canoes. I also tell them about winter tyres. Increasingly I find them surprised by this – yet hear persistent rumours of them turning down claims for them being fitted.
Where does it stop? Furry dice are a modification? What about removing parcel shelf? National Trust member sticker? Mobile phone mount? Different brand tyres?Posted 2 months agoglenhSubscriber
Direct Line told me once that fitting tyres different to those that came fitted as oem would be classed as a modification.
How would they even know? Manufacturers change the brand of tyres they fit all the time.
p.s. just declared my roof rack – no cost, but it was on the list of modifications (website based insurer).Posted 2 months agowinstonMember
I’ve got roofrails too – so I’d consider my car as designed specifically for fitting a roofrack to. Therefore as the insurer know the make and model they can price that up accordingly – if they choose not to and then try to wriggle out of paying I’d take them to court.
The car has 5 seats and sometimes there is 1 filled and sometimes all 5 – this would certainly influence the payout in a crash situation but I don’t ring them up each time another passenger gets in.
I’ve said it before and I’ll keep saying it – insurance companies have become double dealing scumballs.Posted 2 months agoVortexracingSubscriber
This came up last year on here- as a result I contacted my insurance, esure, who said that they do consider roof bars a notifiable, although no-cost, modification. It’s on my policy now but what a load of horseshit.
Same here, I’m with Aviva and luckily I could do it on line so no £25 charge. They even have the mods listed in a drop down menu, which also included things like reversing sensors, which I had fitted and have now declared, looks lie they are using anything to get out of paying.
Even Dick Turpin had the decency to wear a maskPosted 2 months agoCougarSubscriber
Declaring roof bars seems silly, it’s never even occurred to me to be something you’d have to do.
However, not declaring them and then trying to claim as a direct result of them being fitted feels somewhat optimistic. Doubly so when the damage is due to driver error.
(Not judging, I’ve been this -> <- close to doing it myself before now.)Posted 2 months ago
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