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Insurance invailid

PostPosted: Thu Feb 12, 2015 8:30 pm
by phil
Just recently, I heard a radio program discussing how a sticker on you car, can invalid your vehicle insurance. So as I had 2 magnetic signs on mine, I phoned my insurance company to cover myself. Low and behold these magnetic signs are classed as a modifications to my vehicle, and should have been declared. The reason given were that it could make my car a target for anyone with a grudge against me, or dry stone Waller's in general. and to keep my car covered, I would have to pay out a extra £255.00. And what about my support the life boat sticker I asked. Again I was told this would invalidate my insurance should a accident occur. sarcastically I asked if there are known individuals that take to vandalising charity stickers with a hatred to life boats. The stern reply was, if anything is added to the car i.e. sticker. it will be treated as a modification, and will make my insurance invalid.`
This may sound rather far fetched, but to the cost of a vicar that had a humours religious stick on her car. it wasn't that funny when she had a accident, and found the insurance refused to pay out. so to all you Waller's with a DSWA sticker on your vehicle, this act of charity could cost you dearly.

Re: Insurance invailid

PostPosted: Fri Feb 13, 2015 6:17 pm
by Weardale90
oh dear.

Maybe I should consider taking off my 'Hedgehog Preservation Society' sticker encase someone begrudges Hedgehogs and vandalises my car.

Re: Insurance invailid

PostPosted: Fri Feb 13, 2015 10:00 pm
by Nigel
National trust sticker in the window?

Re: Insurance invailid

PostPosted: Sat Feb 14, 2015 8:16 pm
by phil
Nice one Nigel. But after giving it a lot of thought, i wont be offering any comment Re NT stickers. A real pity As i could have resurrected the old hedge hog joke. After phoning around, i did find a insurance company that said the signs are not a issue. Not only that they were a £100.00 cheaper than my original insurance firm. Happy Days eh. But be warned readers. check with your insurance company, it could cost you,especially if the accident was your fault.

Re: Insurance invailid

PostPosted: Mon Oct 31, 2016 6:42 pm
by Rachelbg
phil wrote:Just recently, I heard a radio program discussing how a sticker on you car, can invalid your vehicle insurance. So as I had 2 magnetic signs on mine, I phoned my insurance company to cover myself. Low and behold these magnetic signs are classed as a modifications to my vehicle, and should have been declared. The reason given were that it could make my car a target for anyone with a grudge against me, or dry stone Waller's in general. and to keep my car covered, I would have to pay out a extra £255.00. And what about my support the life boat sticker I asked. Again I was told this would invalidate my insurance should a accident occur. sarcastically I asked if there are known individuals that take to vandalising charity stickers with a hatred to life boats. The stern reply was, if anything is added to the car i.e. sticker. it will be treated as a modification, and will make my insurance invalid.`
This may sound rather far fetched, but to the cost of a vicar that had a humours religious stick on her car. it wasn't that funny when she had a accident, and found the insurance refused to pay out. so to all you Waller's with a DSWA sticker on your vehicle, this act of charity could cost you dearly.


I didn't know about this...
I'll contact my insurance company as soon as possible!
Thanks for sharing :)

Re: Insurance invailid

PostPosted: Tue Nov 01, 2016 10:00 pm
by david perry
I heard the story re the vicar, a couple of weeks later I had a minor bump. Luckily I'd removed my nice vinyl logo a few days after the vicar story. .!! I guess its just algorithms or as cynic would say (so would I), an excuse to bump your premium up.