[skyship007]

Originally Posted by cheshired5

I don't get how they're saying your policy is invalid and cancelled due to the stereo non disclosure but they've paid the third party.
Either you have a policy with them and they stump up for everything or you don't have a policy and they don't pay anyone.
If I caused a bump tomorrow, Admiral wouldn't pay the third party because I don't have a policy with them, so why pay the third party on yours?
I find their stance on their own liability very odd.

There are two reasons, firstly the tyres are not listed in the handbook (I forget which V40 model can use 17 inch ones, but it's one of the early sport models I think), so that means the vehicle is non standard in terms of an incorrect initial application.

Fitting the wrong tyres after the policy has been issued is classed as either gross negligence (If they can prove the effect is serious), or an undeclared modification.