[Closed] Jesus Christ could void car insurance

It just shows how petty insurance companies are becoming

It's increased the risk of vandalism, so they have a point.

So what stickers need to be declared?

Can't really see how this can make any real difference to accident or theft risk (except perhaps reduce it - that car is pretty easy to spot!)

"Christ must be saviour" Wut?

I'd be more pissed off about the fact they tried to void the policy through an undeclared extra cig lighter...

Does this mean the garage that supplied my cars sticker on the boot is a modification?
What about the aftermarket headlight bulbs, or the fact I have tyres from two different manufacturers?
Or perhaps it is my floor mats (rubber, not carpet).
Let alone the fact I carry canoes and bikes...

Muppets.

Maybe he can help her with her grammar.

I can only think that stickers equate to boy racers. Seems monumentally petty to me though.

Insurance companies are getting so petty now they are really taking people for the free ride. These companies really think the people owe them a living.

I can understand sign written vans possibly attracting more chance of a break in as they may be more likely to contain tools etc but who's going to break in to that thing to see if Jesus is inside? Can't sell him at Cash Converters for skag...

mattbee - Member

I can understand sign written vans possibly attracting more chance of a break in as they may be more likely to contain tools etc but who's going to break in to that thing to see if Jesus is inside? Can't sell him at Cash Converters for skag...

Also those boy racer cars advertising the performance parts (stickers of racing parts used) they use for their cars would have a far higher chance of being stolen for parts.

This has to be the most petty, nit-picking excuse for voiding insurance I've ever heard of! Since when has any sort of sticker constituted a 'modification'? It's decoration or adornment, that's all; modification implies actual physical changes to the car's structure, but even calling an extra lighter socket in the boot a modification that might void the policy is taking the piss! 🙄

She was given 10 days to explain why she had not told them about the stickers, [b]and an additional cigarette lighter point in the boot,[/b] when she took the policy out.

And there we go hidden way as usual is the real issue.

Surely 'christ on board' will negate the need for insurance due to the certainty of divine intervention in case of an incident.

She must be covered by divine intervention. Although I wouldn't put much faith in this having seen the pope popeing around behind bulletproof glass.

It came to light when one of the panels bearing a sticker was stolen. I imagine the sticker had a material implication in this event. Seems reasonable to me they took issue.

My understanding was that "modifications" had to be declared to be covered. For example, damage to a car with an undeclared towbar would see the car being repaired, but not the replacement of the towbar.

Equally I can see how an undeclared towbar could damage a 3rd party's vehicle, if you reversed into them and the towbar caused greater damage, maybe then the non-declaration could be an issue.

I can understand sign written vans possibly attracting more chance of a break in as they may be more likely to contain tools etc but who's going to break in to that thing to see if Jesus is inside? Can't sell him at Cash Converters for skag...

You get asked if a van is sign written when you are insuring - I always assumed there would be an additional cost if it was... but it actually reduces your premium. Break-ins aren't much of a concern for motor insurers as they don't cover the contents, that will usually be a separate policy. Signwritten vans are usually lower cost to insure because the business is identified and incidents of poor driving will bring the company into disrepute so sign-written vans are statistically less accident prone

Since when has any sort of sticker constituted a 'modification'?

I'd imagine in this case the fact the car is sign-written, rather just just decorated or adorned, implies its being used of business / commercial use - and it appears it is as its advertising the business she's employed by - and perhaps just puts the car out of the scope of what the insurers cover - at the end of the article the insurers appear to feel they mis-sold the policy - it might not the modifications as much as the work-related use of the vehicle the modifications

Nah. They can and will void your insurance. Think about it, your insurance premium is going to change if you have a stage 2 conversion, it's not as simple as "sorry, your turbo's not covered."

....but what if Jesus made your car?

From AgeUK's car insurance t&cs:

You must tell us about any of the changes below straight away:

The car is or will be...

Changed from the manufacturer's original specification...

This would include...

[i]cosmetic changes[/i] such as alloy wheels

The list isn't exhaustive, all changes from manufacturer's spec are to be notified, otherwise the policy may be invalid.

I wonder where that would stop. Presumably changing the rear passenger mats to a nice furry set would be a cosmetic change and not manufacturer's original spec? So if you didn't tell them about those then you're in breach too.

Would you call stickers a similar change to alloy wheels?

Example cases in Insurance ombudsman bulletin worth reading

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/79/79-motor-insurance.htm#7910

Presumably changing the rear passenger mats

They're not attached to the car (usually), just in it.

Probably an increased risk that she'll let Jesus take the wheel in an emergency.

I used to love doing the modification survey for my motorbike. "Modifications: Every damn thing." Then one year Carole Nash ruined it by sending me the Real Man Modified Bike Checklist which had things like "number of turbochargers", "nitrous" and "how much is it lengthened by".

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...As do 75 year old God-squaders in knackered Zafia's...

How much for third party, fire and brimstone?