Sparky Posted May 30, 2007 Share Posted May 30, 2007 Lol ive just read an article in a police magazine at work and it had a section on Manchester Police (i think) talking about their powers to report people with Modifications to their insurance companies. There were 2 cars being shown off with the police checking the cars over and one was a black Supra. Looked like it had BBS rims, lowered, skirts and front splitter. The point i just wrote into the magazine was to say that they pointed out how the Supra Spoiler Was a massive aftermarket spoiler... Umm no its standard. I wish they'd research this before printing it. How silly are they going to look when they have to apologise! Link to comment Share on other sites More sharing options...
JustGav Posted May 30, 2007 Share Posted May 30, 2007 Cracking... gotta love it You will have to put up the response. Link to comment Share on other sites More sharing options...
Mad Cas Posted May 30, 2007 Share Posted May 30, 2007 'LOL' peckerwoods. Link to comment Share on other sites More sharing options...
markymark Posted May 30, 2007 Share Posted May 30, 2007 Ha ha that would be good to get pulled over as they suspect you have an after market spoiler. I did not realise that the police could report you for your car being modded if you have not cleared this with your insurance company - is this a new thing? Link to comment Share on other sites More sharing options...
wallace9 Posted May 30, 2007 Share Posted May 30, 2007 I though the spoiler on the supe was an optional extra, making it non-standard? Link to comment Share on other sites More sharing options...
Pete Posted May 30, 2007 Share Posted May 30, 2007 I though the spoiler on the supe was an optional extra, making it non-standard? Possibly on the SZ. Link to comment Share on other sites More sharing options...
Class One Posted May 30, 2007 Share Posted May 30, 2007 The Sharpend? You've got to be joking right? You're telling me that you read that Home Office produced propaganda crap? The only thing that publication is fit for is wiping .... well you can guess the rest . Link to comment Share on other sites More sharing options...
Havard Posted May 30, 2007 Share Posted May 30, 2007 The Sharpend? You've got to be joking right? You're telling me that you read that Home Office produced propaganda crap? The only thing that publication is fit for is wiping .... well you can guess the rest . Oooohh, touched a nerve there Doug!! H. Link to comment Share on other sites More sharing options...
RedM Posted May 30, 2007 Share Posted May 30, 2007 The only thing that publication is fit for is wiping .... ...the blood from where a prisoner has 'fallen down the stairs'? Link to comment Share on other sites More sharing options...
Supragal Posted May 30, 2007 Share Posted May 30, 2007 ...the blood from where a prisoner has 'fallen down the stairs'? Class Link to comment Share on other sites More sharing options...
Thorin Posted May 30, 2007 Share Posted May 30, 2007 ...the blood from where a prisoner has 'fallen down the stairs'? Link to comment Share on other sites More sharing options...
Sparky Posted May 30, 2007 Author Share Posted May 30, 2007 As a volunteer Police Officer i get given them every so often. Its good to keep up to date with new laws and things that are changing within the service! And yes Police and some PCSO'S have the power to call insurance companies to declare modifications that they believe arent insured. Bit harsh to be honest. Hope they dont look at my car lol Link to comment Share on other sites More sharing options...
Pixelfill Posted May 30, 2007 Share Posted May 30, 2007 I though the spoiler on the supe was an optional extra, making it non-standard? AFAIK it was an option to delete the spoiler, but even if it was a factory fit option, it wouldn't be aftermarket. Mike Link to comment Share on other sites More sharing options...
Ian R Posted May 30, 2007 Share Posted May 30, 2007 Its true what they say a little knowledge is dangerous Link to comment Share on other sites More sharing options...
Class One Posted May 30, 2007 Share Posted May 30, 2007 Its true what they say a little knowledge is dangerous Indeed. Link to comment Share on other sites More sharing options...
JamesG Posted May 30, 2007 Share Posted May 30, 2007 And yes Police and some PCSO'S have the power to call insurance companies to declare modifications that they believe arent insured. I don't understand why this is any business of the police. As far as I'm aware, if your car has unauthorised modifications then it still won't affect the third-party part of your insurance in the event of a claim. Maybe I'm wrong? Link to comment Share on other sites More sharing options...
Class One Posted May 30, 2007 Share Posted May 30, 2007 I don't understand why this is any business of the police. As far as I'm aware, if your car has unauthorised modifications then it still won't affect the third-party part of your insurance in the event of a claim. Maybe I'm wrong? Quite simple really. If you have an undeclared modification on your vehicle, which you either didin't declare at the time of applying for your policy, or the modification took place after your policy came into effect then this is fraud. That's why its the business of the Police. Agreed, you would still be covered in the event of a third party claim, but if you have obtained a policy at a lower price as a result of an omission then you commit an offence. It used to be called gaining a pecuniary advantage by deception. Now its just plain old fraud. And much easier to prove. Link to comment Share on other sites More sharing options...
Ark Posted May 30, 2007 Share Posted May 30, 2007 Insurers can declare your policy invalid for a number of reasons, so undeclared modifications could result in no policy in the event of an accident. Link to comment Share on other sites More sharing options...
Sparky Posted May 30, 2007 Author Share Posted May 30, 2007 The last posts are correct. If you dont declare something that shouldnt be on the car as standard then you're lying which makes your insurance invalid. If you have an accident the insurance company will probably tell u to f**k off basically! Its not their problem if you didnt declare that New turbo or alloys and it saves them money by not paying out. Link to comment Share on other sites More sharing options...
JamesG Posted May 30, 2007 Share Posted May 30, 2007 Quite simple really. If you have an undeclared modification on your vehicle, which you either didin't declare at the time of applying for your policy, or the modification took place after your policy came into effect then this is fraud. That's why its the business of the Police. Agreed, you would still be covered in the event of a third party claim, but if you have obtained a policy at a lower price as a result of an omission then you commit an offence. It used to be called gaining a pecuniary advantage by deception. Now its just plain old fraud. And much easier to prove. I had to look up "pecuniary" I still don't see how it could be fraud unless you actually made a claim under the policy for a loss to your own vehicle. You haven't actually gained an advantage as even though you have a bit of paper saying you have fully-comp insurance, it won't be honoured by the insurance company when they examine the car. If anything, you would be entitled to a refund from the insurance company for the difference in cost between the third-party and fully-comp premium! Link to comment Share on other sites More sharing options...
Class One Posted May 30, 2007 Share Posted May 30, 2007 I had to look up "pecuniary" I still don't see how it could be fraud unless you actually made a claim under the policy for a loss to your own vehicle. You haven't actually gained an advantage as even though you have a bit of paper saying you have fully-comp insurance, it won't be honoured by the insurance company when they examine the car. If anything, you would be entitled to a refund from the insurance company for the difference in cost between the third-party and fully-comp premium! The pecuniary advantage come from obtaining insurance at a cheaper premium than that had you declared your mods. Any information that is pertinent to the quotation for your premium that is omitted for example like driving convictions or modifications or security of the vehicle or where you live affect how much premium you pay. You're defrauding the insurance company. It's not about your level of cover. For example, say Mr very posh banker has a London flat in say Chelsea, and a country pad in rural Oxfordshire, and registers his car to his country address but only lives there for 2 days a week as opposed to the 5 days a week he is living in higher risk area London, then that is a pecuniary advantage. Or to put it in simple terms, its fraud. Link to comment Share on other sites More sharing options...
JamesG Posted May 30, 2007 Share Posted May 30, 2007 The pecuniary advantage come from obtaining insurance at a cheaper premium than that had you declared your mods. Any information that is pertinent to the quotation for your premium that is omitted for example like driving convictions or modifications or security of the vehicle or where you live affect how much premium you pay. You're defrauding the insurance company. It's not about your level of cover. For example, say Mr very posh banker has a London flat in say Chelsea, and a country pad in rural Oxfordshire, and registers his car to his country address but only lives there for 2 days a week as opposed to the 5 days a week he is living in higher risk area London, then that is a pecuniary advantage. Or to put it in simple terms, its fraud. But when Mr very posh banker has his car stolen in London, the insurance company look into his circumstances, discover where he's actually been living and decide not to pay out. No pecuniary advantage for Mr banker there. If Mr banker doesn't mention his living arrangements when he puts his claim in, *then* he's defrauding the insurance company. I'm not saying you're wrong, it's just seems strange that Mr banker is guilty of a crime before the insurance company has been disadvantaged in any way. Mind you, I guess intent to burgle a house is a crime too so maybe it makes sense! Link to comment Share on other sites More sharing options...
Class One Posted May 30, 2007 Share Posted May 30, 2007 Indeed. Link to comment Share on other sites More sharing options...
Scooter Posted May 31, 2007 Share Posted May 31, 2007 but if you have obtained a policy at a lower price as a result of an omission then you commit an offence. It used to be called gaining a pecuniary advantage by deception. Now its just plain old fraud. its interesting how if after your car being written off, the insurance company chances their arm and low balls you with a settlement figure blatantly lower than market/book value that this is just 'the way things work' ......and you should complain in order to get a fair/reasonable figure...... Two people with identical written off cars, one takes the insurer at their word and excepts its first offer, other owner more clued up rejects first and maybe second offer and ends up with a much bigger payout........by the fact that the insurance company has given in to the demands of the second owner that the car was worth more than they first offered haven't they therefore defrauded the owner who took the original offer? Link to comment Share on other sites More sharing options...
Class One Posted May 31, 2007 Share Posted May 31, 2007 Never accept the 1st offer given. Ever. Link to comment Share on other sites More sharing options...
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