GD SVA IVA Statement - Page 3

Dutch Paul · #21 (**permalink**) 14-03-08, 05:13 PM

Quote:

Originally Posted by wilf

Funny how when I made the point about cars modified post-SVA and insurance invalidity some years back, no-one agreed with me...............

Probably because most of us weren`t even born yet.

wilf · #22 (**permalink**) 14-03-08, 05:22 PM

Quote:

Originally Posted by KevinW

Wilf, so you've declared those spinners and windwings etc to your insurer?
Kevin

Oh yes - car declared as significantly "modified" from "standard specification" - I told them there was no standard spec and I had customised it. Didn't seem to bother them.........

KevinW · #23 (**permalink**) 14-03-08, 06:28 PM

hmm, will have to go on the to-do list.

Kevin

dingocooke · #24 (**permalink**) 15-03-08, 01:47 PM

Id like to bet the SVA people view their test much like the MOT in this regard; its certifying that the vehicle complied on the day of test; read the back of an MOT certificate and youll see what I mean. Government agencies like VOSA and the DVLA might play dim, but they know exactly what's going on!!

As long as you make it clear to the insurer that its a kit car, and its a non std spec, then theres very little for them to wriggle on IMHO; Id be more inclined to be worried about the way your broker has defined the vehicle and ts risk; far more loopholes there.
Im sure the halfordshotrodded Nova boys (and girls) have more of a potential problem with this, but it does pay to be upfront with the insurers; if you lie about anything to them you may as well not be insured.

robert · #25 (**permalink**) 15-03-08, 03:42 PM

Quote:

Originally Posted by dingocooke

but it does pay to be upfront with the insurers; if you lie about anything to them you may as well not be insured.

My point precisely when it comes to invalid SVAs

dingocooke · #26 (**permalink**) 16-03-08, 09:25 AM

Quote:

Originally Posted by robert

My point precisely when it comes to invalid SVAs

sort of, theres no such thing as an invalid SVA; as I said before, theyre like MOT's; theyre just a certificate that the vehicle complied on the day of the test; yes its a grey area, but if you have a serious wipe out, plod has a thorough vehicle check done, but its all about condition of brakes suspension tyres etc etc; they dont call the man from the ministry any more (even to FATACS where a mechanical defect is suspected) and the insurance companyies have no concept of what is and isnt SVA compliant. Theoretically its possible the insurers could use a non sva compliant area to try and wriggle out of a claim; if they could prove it contributed to the accident; but in reality short of a full sva re test to check compliance its not going to happen. The wise kit car owner tells his insurer his car is a modified kit, and theres no issue.

robert · #27 (**permalink**) 16-03-08, 12:17 PM

Quote:

Originally Posted by dingocooke

sort of, theres no such thing as an invalid SVA; as I said before, theyre like MOT's; theyre just a certificate that the vehicle complied on the day of the test; yes its a grey area, but if you have a serious wipe out, plod has a thorough vehicle check done, but its all about condition of brakes suspension tyres etc etc; they dont call the man from the ministry any more (even to FATACS where a mechanical defect is suspected) and the insurance companyies have no concept of what is and isnt SVA compliant. Theoretically its possible the insurers could use a non sva compliant area to try and wriggle out of a claim; if they could prove it contributed to the accident; but in reality short of a full sva re test to check compliance its not going to happen. The wise kit car owner tells his insurer his car is a modified kit, and theres no issue.

However, its not unknown for insurers to check on websites and forums for information, so if you post up here that you had your car built by Joe Bloggs Car Builders, and you have put it through as Cat A to get round emmissions, then you have falsified the SVA and the SVA certificate could be used by the insurance company to wriggle out of the claim.

Insurance companies will do all they can to wriggle out of large claims, and lets face it, the majority of our cars are insured for around 30K for maybe a £5,000 a year premium.

dingocooke · #28 (**permalink**) 16-03-08, 02:41 PM

Quote:

Originally Posted by robert

However, its not unknown for insurers to check on websites and forums for information, so if you post up here that you had your car built by Joe Bloggs Car Builders, and you have put it through as Cat A to get round emmissions, then you have falsified the SVA and the SVA certificate could be used by the insurance company to wriggle out of the claim.

Insurance companies will do all they can to wriggle out of large claims, and lets face it, the majority of our cars are insured for around 30K for maybe a £5,000 a year premium.

Yes agree with that 100%; posting on a forum about how you're blatantly bending the SVA rules as you've just described would be pretty silly; and if you cant show a legitimate trail of documentation relating to your kits' registration status; then you'd be pretty shortsighted to post about it.