Modified car insurance question

AgriLad · 13-09-2021 1:51pm #1

If i modify my car and dont tell my insurance company and have a crash into another they may “refuse to pay out”

what about if you have third party insurance? What happens then?

tcawley29 · 13-09-2021 2:05pm

They are obligated to pay the third party claims but they can reclaim it off you in court

coylemj · 14-09-2021 1:15pm

For new policies and renewals from Sept 1st 2021 onwards, there is no obligation on you to inform the insurance company of anything, you simply provide truthful answers to the questions they ask.

But that guarantees that from now on, every proposal form will explicitly ask you if you have modified the car from the manufacturer's specifications. Which a lot of them used to ask anyway.

As the poster above points out, they will still pay a third party claim but they can come after you for the money.

zg3409 · 14-09-2021 1:49pm

https://www.boards.ie/discussion/2058208614/modified-car-insurance-question

Beware you may be brought to court for driving without valid insurance by Gardai and then you may get a procesution which will make getting insurance again nearly impossible.

I think before you choose to modify any car or buy a modified car (even installing a new radio, or new wheels can be considered a modification) , you should consider the impact on insurance, which may make it near impossible for you to get insurance or for you to end up lying to insurance and basically in the event of a crash, your insurance being invalid. You should declare anything non factory.