In message <email@example.com>
Steve <firstname.lastname@example.org> wrote:
> puffernutter wrote:
> > The nice lass at Adrian Flux defined a modification as "anything that
> > is different to the basic model" (or something along those lines.)
> > Thus the diesel heater and capstan winch also class as modifications.
> I asked Roadsure who insure both of our 101s, they said modifications
> were fine by them, anytime, provided they were approved by an MOT
> inspector - they figure most anything you do to a 101 would improve its
NFU are generally happy with mods, but you must always tell them, or
any insurance comapny, what you have done. The reason is something along
the lines of...... (as described by the NFU rep at a Carriage Driving club
I used to be involved with).
You have an accident.
You claim on your insurance.
Ideally, after a lot af faffing about, you get your money.
If it is a big claim, or there are 3rd part issues, the insurance company
will look around for *any* chance of getting some, or all, of their
money back form *anyone* involved - be it another insurance company,
or an individual. If you motor was modified, it's *possible* that someone,
usually a company, but it could be an individual, will come after you
personaly for the money, despite you being insured, as your mods
may give them a way in (unless your insurance company is completely
happy with you vehicle).
This may sound bizzare, but it happend to my ex in a horse accident -
they even tried asking if she was using spurs (pointy things, not the
football club) as this could have technically breached our/her insurance.
The claim had been "bought" by a no-win-no-fee outfit, and it was only
down to the NFU fighting our corner that we didn't get into a right mess.
That is also why any of you who hold an "official" position in a club,
be it an officially organised or informal club, should be *very* worried
if something goes wrong, unless you are a limited company or personally
insured against such things (you houshold policy may cover this). Even if
the "vitcim" does not want to make a claim against you, someone else might.
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