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Just Car Insurance Policy With Fmic

QRI05E

By QRI05E,
in New South Wales

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QRI05E Mentor

QRI05E

Posted
Posted

Hey guys, on my way home today from work i had a pretty bad accident =( and would like you know your oppinions:

1. I have comprehensive insurance with Just Car

2. I fitted and FMIC yesterday and was going to notify them tomorrow.

Q. Will this be an issue in my claim?

Please help me out guys!

Cheers

P.S Any one recommend a Smash Reapirer that will help me out?

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https://www.sau.com.au/forums/topic/156903-just-car-insurance-policy-with-fmic/
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Primordial Grand Master

Primordial

Posted
Posted

So just to clarify - you're not expecting the insurance company to pay for the replacement of the FMIC do you?

You are just asking whether or not they might deny the claim because there was a modification that they werent notified about?

And what area do you live in - it might be best to get a recommendation of a repairer in your area for obvious reasons.

BTW - sucks hard to hear about this kind of stuff. I wish you all the best in getting it back on the road!

Xizor Mentor

Xizor

Posted
Posted (edited)

I was speaking with Justcar about my policy the other day, from my understanding, they just wont cover the fmic as its an additional modification.

Very sorry to hear about your accident mate. I had an accident on the hume highway just before the ingleburn exist on friday. f**king gigantic mutilated truck tyre came out from under some cars ahead of me that had slammed on their breaks and i had nowhere to go but hit it. f**ked up my front bar and lip so need some work done. I feel terrible, so can only imagine how distraught you must be. :/

From what i hear campbelltown smash repairs are the best locally. I hope to get my kit damage fixed at a place in ingleburn recommended to me by powerplay... see how that goes tomorrow when i talk to them.

Edited by Xizor
r32woohoo Rising Star

r32woohoo

Posted
Posted (edited)

i cant guarantee cheap prices but work quality is 100%

Belmore body works in greenacre

Ask for Tony n tell him daniel with the skyline sent u

Edited by r32woohoo
MANWHORE Grand Master

MANWHORE

Posted
Posted

If you've modified/removed the front bar reo andhad a front on smash, it is quite possibly a reason to void your insurance.

I don't know why people keep doing this.

Do you know that the reo is the thing that ties the two chassis rails together? the idea is that when you hit, the chassis rails take the impact and move backwards.

If you remove/weaken the reo, if you hit in the middle, nothing takes the impact.

few weeks ago a friend of mine hit a traffic light pole. You'd think that these poles are really weak, but let me tell you,it wasn't pretty. STraight on into the pole, the pole snapped his engine mounts and pushed the engine back into the fire wall.

His insurance was voided. He had to pay for his car AND the pole and traffic light!

Liz Grand Master

Liz

Posted
Posted
Ring them asap and tell them, be honest and up front and I cant imagine they will give you any grief, however I doubt they will cover the cost of the FMIC kit.

This is your best advice!

My guess is they will cover the repairs, but not the replacement of the intercooler.

QRI05E Mentor

QRI05E

Posted
  • Author
Posted

Im not worried about the FMIC, as long as my car is repaired or written off...

The reo bar was slightly trimmed (cant tell from the accident though)and theres a hole where the piping passes will that be a problem?Perhaps i can tell the repairer to put the stock smic on before the assessors come out?

:/

Gazee Grand Master

Gazee

Posted
Posted
Perhaps i can tell the repairer to put the stock smic on before the assessors come out?

Yes you better do that asap cos the assessors can be absolute pricks, just cars threatened (warned) me when i got insurance, the bitch said "If you have an accident and you don't tell us about a mod we wont cover you" n i said "what even if i don't tell you i have an aftermarket head unit?"

The bitch replied "YES"

Call them n ask em but dun tell em what happened, just act as tho your enquiring about insurance and what happens if senarios...

Xizor Mentor

Xizor

Posted
Posted (edited)

When i told JustCars the other day that i had a fmic, thats all they wanted to know. They didnt care about how it was installed or anything. Infact, on my new policy they have sent that starts next month if i agree, it just says "intercooler"... thats how generalised they are.

And when i had a whinge about my agreed value not going up despite mods (f**king redbook agreed value and their internal policy of not going more than 3k over that if its not newly purchased) she said the point was if something happened to the car and those specific parts or damaged or stolen, they need to know to cover. Which makes sense. She didnt say anything about it voiding the entire car policy. Although i know thats the case with other insurers so i guess its quite possible its in the Justcar T&C's aswell.

Edited by Xizor
QRI05E Mentor

QRI05E

Posted
  • Author
Posted

I'm getting the car towed to Shalala Smash repairs in the morning and hopefully we can sort things out :D

I cant believe this has happened guys....

I urge you ALL to take care, drive carefully and not for one second lose concentration when on the road... cause all it takes is a split second..

Regards,

Sarkis

d0p3y Grand Master

d0p3y

Posted
Posted
i was told you can chop the reo bar as much as you want because its not "part of the car".. this was by a smash repairer / bodykit builder..

Obviously this "smash repairer / bodykit builder" you speak of enjoys a good toke on the crack pipe.

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