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Police are always on the lookout for speeders, dangerous drivers or people using their mobile phones behind the wheel and probably thought they'd seen it all - until they clapped out on this gloriously eye-catching vehicle.

It's Thomas the Tank Engine as you've never seen the train character before - recreated on a car chassis

The fictional steam locomotive in The Railway Series books by the Reverend Wilbert Awdry is loved by children the world over - but road police were not so amused by this version.

A BMW was  modified to resemble the legendary talking train, was stopped by police on the M1 near Wetherby.

The driver has since been reported for "construction/use offences". It is suspected that the modifications have not been approved and could be dangerous.

But many car lovers - and Derby has thousands of them - do like to tweak their vehicles, just not normally to this extent. And they sometimes do so even though they know it will cost them more to insure their car.

Every year, when you come to renew your insurance, you are always asked to confirm whether you have modified your vehicle in any way. Also, if you make any random modifications to your vehicle they must be reported to your insurance company.

And some modifications such as "stretch tyres" – tyres elongated to fit around a wide rim – are illegal. Even tinting your windscreen or front passenger and driver windows can render your car illegal.

What is a car modification?

A car modification is a change made to a vehicle so that it differs from the manufacturer's original factory specification, says moneysupermarket.com.

The changes can be made to improve performance, aesthetics, or be purely functional.

What are the most popular car modifications?

Adding alloy wheels.  Installing a tow bar.  Having suspension work done.

Making changes to the exhaust system. Adding tinted windows

Why do modifications affect your car insurance?

Insurance is based upon risk, and when quoting for cover insurers use a number of factors before arriving at a price.

Car modifications can seriously affect how insurers assess your car insurance policy in two key areas:

Risk of accident – Modifications that change the look and performance of your vehicle are assessed by insurers to be a higher accident risk. These include engine changes, sports seats, body-kits, spoilers, etc.

Risk of theft – Some modifications, such as phone kits or performance modifications, also increase the chance that your vehicle is broken into or stolen.

According to moneysupermarket.com, making cosmetic changes can significantly push up premium prices – custom paintwork could see you paying 36% more, while adding "stripes, decals or badges" can put an extra 22% on the cost of cover.

Do enough work to your set of wheels, and you could see your premium rise by 100%.

Are there any modification that won't send premiums soaring?

Yes! Adding parking sensors can see the cost of cover drop by 13%, while fitting a tow bar can see prices fall by as much as 20%, most likely because drivers who tow trailers or caravans typically have to drive more slowly.


Read more at http://www.derbytelegraph.co.uk/is-this-thomas-the-tank-engine-car-modification-just-a-step-too-far-the-police-thought-so/story-30329202-detail/story.html#eix5oA1QPualZXsY.99



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How many drivers use there vehicle to travel to a place of work or business and don't  say anything

Must be thousands

As for a tow bar I have yet  to see a drop in costing on a renewal on any of the vehicles we have or had




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