about 8 years ago I owned a black ford puma, and had the windows tinted. All legally and above board. no "limo - drug dealer tints" only after getting it done did i ask the insurance company....oppps wish i hadn't had the tints fitted....5% loading on my premium.

paul....

but heard other people say in the past say that if you are unaware of the "modifications" the insurance will often still pay out, you just have to plee that you where unaware of the mod. I've heard of one chap buying a pug 106 with alloys fitted. proper pug wheels to be told after a prang that they weren't standard on his model and they refused to pay out. He really didn't know about them not being standard as they were a pretty normal size wheel and not something that you'd usually see on a Saxo outside halfords..they paid out in the end.....but as you can imagine had to delare the modification from then on. and promply sold the wheels and bought steel ones...all via ebay...the wheels loaded his premium by £75.....

Have the accident adjusters assumed the accident is 50:50?

I would be very surprised if had they known of the tinted windows your insurer would have refused cover and we can test that.

My guess is that you may be liable for the increased cover costs had you declared the tints but otherwise the Ombudsman will rule in your favour and your claim will succeed.

If you supply a phone number I will advise on your case on the phone in detail and for free.