Does putting an arb back on a tipper count as a modification for insurance?

[Mick Dempsey]

  On 06/09/2024 at 20:13, Mark Bolam said:

My Transit doesn’t, and it’s been a tipper since it was born.

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Yes, what does it say?

I’ll check mine later, though it’s a French log book obvs.

[Mark Bolam]

350 MWB.

 

Yours will say ‘Camion’.

[Mick Dempsey]

Mine says ‘Benne’ which means a tipper….sort of.

 

MWB means medium wheel base doesn’t it?

Edited September 7, 2024 by Mick Dempsey

[5thelement]

I was to believe that insurers only needed to be informed of modifications if they were in some way ‘performance enhancing’.

My insurer told me this when I informed them that I had uprated my Defender suspension, which had increased the lift by 70mm.

[Mark Bolam]

  On 07/09/2024 at 06:53, Mick Dempsey said:

Mine says ‘Benne’ which means a tipper….sort of.

 

MWB means medium wheel base doesn’t it?

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It does, yes.

 

I had this out with Direct Line years ago when I discovered they wouldn’t insure tippers at all.

They didn’t know why, they just wouldn’t insure them.

They do now.

 

They specifically stated that any tipper was classed as a mod, and technically you were uninsured if the insurer wasn’t told.

[Mick Dempsey]

  On 07/09/2024 at 08:09, Mark Bolam said:

It does, yes.

 

I had this out with Direct Line years ago when I discovered they wouldn’t insure tippers at all.

They didn’t know why, they just wouldn’t insure them.

They do now.

 

They specifically stated that any tipper was classed as a mod, and technically you were uninsured if the insurer wasn’t told.

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Well, I dunno, what did they think it was, just a cab and chassis?

 

Just because one bloke at the end of a telephone says that a few years ago doesn’t mean it’s right.

 

 

 

 

Edited September 7, 2024 by Mick Dempsey

[5thelement]

Surely when you give them the registration details, model number etc you describe the vehicle you want to insure as a e.g transit tipper, you can’t really explain it any clearer to them?

[Mark Bolam]

You would like to think so wouldn’t you?

 

Mick is right though, I don’t think many people end up working for insurance companies because they can’t decide what to do with their PhD.

[Paul in the woods]

  On 07/09/2024 at 08:09, Mark Bolam said:

They specifically stated that any tipper was classed as a mod, and technically you were uninsured if the insurer wasn’t told.

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I've had this out with a few insurers with a domestic 4x4. Unless I could prove items were fitted to a car in the factory they classed stuff as a mod. The car was some special edition with a different bumper and a few other visual details. 

 

Simple answer is to tell your insurance company, ideally via email, then you're covered. Unless they don't like the mod and refuse coverage of course.

[Mick Dempsey]

Anyway we got sidetracked….

 

Does the hive mind believe that the OP needs to inform his insurers if he builds a chip box on an existing (legal) tipping body?
 

Imo, no.

 

Edited September 7, 2024 by Mick Dempsey