In­sur­ance sec­tor’s view on al­ter­ations

Classic Car Weekly (UK) - - This Week -

Foot­man James ad­vises that all al­ter­ations must be de­clared and that ‘all mod­i­fi­ca­tions need to meet re­quired safety stan­dards – if they don’t, they may be classed as un­ac­cept­able from an in­sur­ance per­spec­tive.’

The bro­ker adds that if a me­chan­i­cal fail­ure that re­sulted in a claim was found to be as a re­sult of neg­li­gence, it might be re­jected. Also, if the ve­hi­cle was found to be un­road­wor­thy (such as by the fit­ting of non-com­pli­ant new parts), then a pol­icy could also be in­val­i­dated.

Peter James In­sur­ance says the in­surer could seek to re­cover claim costs from the ve­hi­cle owner or the in­sured, should any non­road le­gal parts be found.

Mean­while, Mal­colm Tar­ling of the As­so­ci­a­tion of Bri­tish In­sur­ers, says: ‘It is not the role of in­sur­ers to po­lice either the roadworthiness of ve­hi­cles, or loop­holes in MoT test­ing.’

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