Today’s blog might be seen to be poking fun at the ridiculous but it actually makes a serious point (actually it is also a little bit of fun poking). Well known for being ‘tanned’ and from Essex, Billi Mucklow of TOWIE* fame has been seen (how could you miss it) in a completely jeweled car.

What is my serious point then? Well I imagine this is a publicity stunt and she doesn’t in fact own said car but if she did I wonder whether she has declared the modification to insurers. This would be a material fact which the insurers would need to know about. Modifications will sometimes make a vehicle more theft attractive or give it a value beyond the market value. In Ms Muckow’s case if her travelling sugar lump of a car was involved in a collision she might find herself facing the bill for the bling herself or worse she may end up with the insurers refusing to pay out for any of her damage because of non-disclosure of material fact.

So whether you’ve been handy with the prit-stick and a load of plastic crystals or whether you have splashed out on alloys, sign-writing on your van, spoilers, upgraded suspension make sure you inform your insurers.

For any other insurance related motoring advice or indeed advice on what not to do to your car please do not hesitate to get in touch.

Alistair

*TOWIE – ‘Popular’ television show ‘The Only Way is Essex’ where everything is reem and orange.