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hugh
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|| In message <4b7fblF10957uU1@individual.net>, Richard Brookman
|| <newsboy@nowhere.com> writes
[quoted text clipped - 23 lines]
|| modification unless it is material cause of the claim. After all do
|| you notify your insurer that you have fitted a spot lamp?
You should, as it enhances the value of the vehicle, and hence the amount
you would expect them to pay you in the event of a claim. OK, most people
don't, and take the risk that the spots would not be covered in the event of
loss or damage. But an LPG conversion involves major changes to the fuel
system and the installation of a potentially explosive gas with the
associated tanks and pipework. At the very least, the insurer would want to
know that the conversion had been carried out to an acceptable standard.
Hence the need to notify. In theory, any change to the vehicle you
described to them at the outset (and hence what they based the contract of
insurance on) could be used to refuse a claim, whether the modification was
material to the claim or not.
Best practice is to notify _everything_ then you know you are covered.
|| What they will refuse to cover is any additional cost incurred in a
|| repair as a result of the presence of an unnotified modification.
That as well.
|| Unfortunately the LPGA has done a good job of spreading FUD around
|| the insurance industry, so it is simply a matter of being safe
|| rather than sorry, so notify your conversion and if necessary shop
|| around for your insurance.
Agreed.

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Rich
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