Ian southam so you know a man who does not actually drive his car and has spent thousands making it as good as new, you might not believe this, but most people actually drive thier cars, and last time I checked ford did not do a exhaust system for a cossie.
As to undeclared mods, I was speaking last year with an UNDERWRITER, who probably knows even more than dojji about car unsurance(though I am sure dojji will disagree), ABOUT WHAT exactly CONSTITUTED modification, and she said common sense in law plays a part, in that if you cannot get a part whatever that part is then a nearest equivalent is totally accetable.
You forgot to tell me where I can find oe spec tyres by the way DUNLOP D40's please.
She also told me that to decline a payout it must be shown that a replacement part was not a equivalent but did actually increase performance of contribute towards the accident.
DON'T change your oil, as ford put it in there as this would be a modification, on and the wiper blades, oh and the valve cores, when you have new tyres fitted, oh and don't put stickers on it, or a different stereo, or a air freshener.
My own mondeo was declined insuarance as the person on the end of the phone considerd it modified, as I had rebuilt the engine, using non ford parts, complaining a lot I was put through to the underwriter, whom I now know as a very good and useful friend, and the car was accepted as std as I had used the equivalent bits just a differnt make, even down to the wheels which were smiths max and not ford ones, after pricing up the smiths compared to the fords alloys(which were stolen), they again said that is fine, as they are no more valuable, maybe she did not know what she was on about, maybe that is why insurance companies are making a loss ?
I know someone who got out of his car years ago left it running whilst chatting to his mate on the other side of the road, someone jumped in drove off, car torched later, he got paid out, as I put the cheque in my account for him as he did not have account, he was paid £6700, personally I dont think he should have been, how do I know it's true and accurate, because I was the one who he was talking to, that was heavily modded, and yes you could tell even after torching, and no he had not declared the mods.
So you know of two cars with a std exhaust, gues how many owners I could find that could not OBTAIN ONE ?, you cannot compare so person showing a car to your average joe in the street using a car, is this exhaust std one or is it a replacement, BECAUSE THAT WOULD MAKE IT MODIFIED WOULDN'T IT?????????????
tabetha