Just Paid My Insurance Again.

[NYTSKY]

Hi all,

I just renewed my policy with just car.And i had to add afew more mods to the policy from last year (mods in sig)

I was told that if the mods are not legal my policy will be void if i tried to make a claim.And with all the money ive put into the car plus how much ive paid in insurance over the last 2 years i certainly dont want my policy void if i need to make a claim.

So the only thing that will be illegal on the car as far as i can see is the exhaust,last time i tested it,it was 94.6db.With the new turbo and dump it would now probably be 95-96db.I can get an engineers ticket for the car off this guy and it will say everything is up to code.

So if i do need to make a claim i will be ok.OR ill have to find a highflowing exhaust that is 90db.

What would you do???

CHEERS

[Simmo1985]

Firstly, I'd try to not crash.

Secondly, if you do mangle your car - how the hell are they going to know your exhaust is too loud?

[NYTSKY]

Im a very careful driver never had a claim.

Good point about the exhaust, i dont want to take any chances thats all.

[OZ_Pomy]

read through the policy booklet im pretty sure i read in it ages ago that they can only void your insurance if the illegal mod contributed or caused the accident. I could be wrong havent read the policy book in ages but worth a look i guess.....

[evil_weevil]

either way I'd be looking at getting the car engineered.

Always helps if a cop pulls you over, although they might find something else to nab you on.

Id give them a call (just cars) and ask them if the modification didnt cause the accident would you still be covered.

[adam-__-]

Id give them a call (just cars) and ask them if the modification didnt cause the accident would you still be covered.

Yeah I reckon that'll be a good idea. What's the chances of having a car that's modified and completely legal? The chances are pretty small.

[evil_weevil]

hot rods?

majority of them are modded and engineered/legal!

was thinking...put it this way.

If someone ran up the back of you and you were stopped at a red light.

Did the FMIC cause the accident?

No cause you werent at fault.

However, late night, Old pac...single vehicle accident...something to the car and you has contributed to the accident!

[adam-__-]

Hot rods are ALL legal? They're bloody driving around with their engines hanging out. haha

[ali-turko]

mate my misses rote her gtr off with 300kw they didnt ask any questions bout mods and that was just cars

[NYTSKY]

Were all the mods on her policy though??

[ali-turko]

i asked my gf and she told me that she had exhaust wheels and stereo on the insurance, but she said, say u got a 10k motor with all this work there not guna pay you an extra 10k,

look mate i would even bother andding exhaust and shit its just guna cost you more...

when the car got hit the power fc , boost controller were sitting on the passenger seat CLEAR view of the inspector they didnt say a word bout the illegal mods and we still got payed out our full amount