[quote=davee7;178193]This is exactly the kind of nonsense that has a knock-on effect for everyone else - the end result being higher premiums for honest people.[quote]
Hey,
Dont really think this is strictly correct mate as it's basically the uninsured etc. which bump up our premiums and not sensible drivers who just happen to have their car chipped. If they wont pay out for the chipped car then they haven't lost money.
At the end of the day making any kind of adjustment to a car brings about the question "does my insurer need to know?" and sometimes it is best to be sensible and honest.
At the same time, as you have mentioned insurance companies will try to wriggle out of paying anything when push comes to shove, but will gladly take your money
One thing to think about that could happen in real life is if someone brought a second hand car that had been chipped, but was not made aware of this when purchasing. Later down the line if/when a claim is made where do they stand?
By rights it's not their fault and if your not that into your cars they probably wouldn't even know.
Me I've been honest, on previous cars exhausts, head lights etc. have all been declared.
This is just my thoughts on the matter.
Ian