Originally Posted by tabetha
Total crap scare stories put out by insurers.
Imagine the scene, a 20 year old cossie has an accident and they get denied the claim because it does not have DUNLOP D40's on it!!, get real, or the NON FORD EXHAUST, just a cheapo aftermarket one.
For any insurer to decline a payout they have to show that they were misled as to either the risk or that any mods contributed to the accident.
Do you know a single cossie for example on a FORD exhaust system, or Original tyres ?
What would they prefer 20 year old crap tyres, or bang up to date decent ones.
In short they wouldn't have a hope in hell of refusing payout under these conditions, BUT that is not to say they won't try, it on!!
tabetha
Sorry Tabetha, gotta disagree there. When you get your quote for an insurance policy, there is a section "normally tape-recorded" that states that failure to disclose or mis-disclose any information COULD lead to the insurance being invalidated.
As far as tyres go, changing brands does not invalidate insurance policies, as they are a wear-and-tear item, but changing tyre "usage" does. As the Mini has as standard a button behind the gear lever that is the self-test for the run-flat system, it would be hard to deny knowledge of the system.
As for standard exhaust systems, yes, I know personally of 2, including an old guy in a Magenta Saff that is in the RS Owner Club. He will be attending the Andover Spring Meet this year, as he does every year. COMPLETELY standard as well.
Here is a couple of pics of the car, just in case you miss it:
I will try and find the pic of the back end showing the standard exhaust as well. I think you would agree that even the engine is COMPLETELY standard, down to the original (superceeded version) tyres.
You would be surprised @ how many claims get thrown out for things such as yours comments above.
Indeed, I have in work ATM a BMW Coupe 330i which has the same tyres front and rear, when the rear tyres should be a different width. The customer threw the back end away and smacked it along a kerb. Insurance company have suspended his claim due to the tyres being "incorrectly rated and sized" for the car, possibly contributing to the accident. So, it IS possible to invalidate a claim from incorrect tyres.