Jump to content
SAU Community

Recommended Posts

Hi guys,

This is an issue which causes mixed opinions but i would like to get a definitive answer from someone who 100% knows.

Situation 1: You get caught with an After-market ECU after a crash when an insurance assessor comes to inspect the vehicle. Is your insurance void?

Should i tell Just Cars that i have a power fc installed?

What are the facts, and the risks here?

Link to comment
https://www.sau.com.au/forums/topic/220988-insurance-and-power-fc/
Share on other sites

Well when you do up online quotes and when your listing your modificatiions it has the "aftermarket/replacement ECU" modification tick box.

So that should tell you that they would cover you with a power fc installed.

Tell them the truth about what you have got on the car and you should have no troubles.

PS. I told just car I had a FC and they happily added it to the list of modifications and continued to insure my car. I have never had to make a claim, but if it makes you happy I have a friend who had an accident in his 34 and he had his FC fitted at the time. The assesor went over his car and approved the claim.

Edited by KeyMaker
Well when you do up online quotes and when your listing your modificatiions it has the "aftermarket/replacement ECU" modification tick box.

So that should tell you that they would cover you with a power fc installed.

Tell them the truth about what you have got on the car and you should have no troubles.

I see, so even though it is an EPA, roadworthy issue it still doesnt void your insurance becuase?

Its so confusing. sorry.

I see, so even though it is an EPA, roadworthy issue it still doesnt void your insurance becuase?

Its so confusing. sorry.

Well when you do up online quotes and when your listing your modificatiions it has the "aftermarket/replacement ECU" modification tick box.

So that should tell you that they would cover you with a power fc installed.

Tell them the truth about what you have got on the car and you should have no troubles.

PS. I told just car I had a FC and they happily added it to the list of modifications and continued to insure my car. I have never had to make a claim, but if it makes you happy I have a friend who had an accident in his 34 and he had his FC fitted at the time. The assesor went over his car and approved the claim.

Sorry I edited my post a bit late.

Well, from what I can figure is, as long as just car is willing to cover you with said modifications then you should be ok.

As far as EPA road worthy trash goes, maybe they're assuming that said modications were approved by an engineer, hence mod plated and road worthy.

It may pay to ask them that question. I'm sure the chick or lad on the otherside of the phone would be quite obliged to answer it for you to give you a definite.

I see, i guess my biggest cocern is the following:

Me: "Hi, i just bought an Apexi Power FC, i would like to add this to my insurance policy."

Just Car: "Sorry we cant insure you, your insurance is now void."

So i would prefer to hear from someone who is actually with Just Car and has added this to their insurance policy no prob before i call.

Just for the piece of mind, that all :unsure:

Edited by GTR-PWR

Well I am insured with Just Car. I told them over the phone that I had bought a Power FC and they said no worries we'll add it to your policy.

I know sometimes insurance mobs can be very discrimitive so to speak. Maybe its your state and its laws. QLD seems to be more laid back with mods.

edit: just realised you haven't called them yet. You should be fine to add it. Call them and ask them. If they say no, i'd be suprised.

Edited by KeyMaker
I see, i guess my biggest cocern is the following:

Me: "Hi, i just bought an Apexi Power FC, i would like to add this to my insurance policy."

Just Car: "Sorry we cant insure you, your insurance is now void."

So i would prefer to hear from someone who is actually with Just Car and has added this to their insurance policy no prob before i call.

Just for the piece of mind, that all :)

That wouldnt be the biggest concern... the BIGGEST concern would be the following:

Me: "Hi, I recently crashed my car and am calling about the claim I lodged a couple weeks ago wondering whats the progress like with the claim?"

JC: "Sorry we cant insure you as you have specified you have an after market computer therefore making your car not roadworthy. Your insurance is now voided. Thank you for your money; come again!"

I'm wondering the same thing with Boost Controllers - they have it listed in their list of modifications but then again its illegal on road cars so what happens to the many thousands of modified turbo cars out there with a Boost Controller!?

My guess is they'll be happy to take your money now and list whatever modifications you have but when it comes down to claim time they might use it against you? :(

i was always under the impression that the illegal modification had to be the cause of the accident for them to void your insurance. Why dont you ring up say your thinkin bout buyin another car tell them what mods including power fc then ask them. This way they have no way to proove you have put it in your car and nothing should be recorded down.... Then if its all good just ring up next day and add it to your mods list. I dont see the point in taking the chance though cuz ur excess is prolly more then a power fc is worth and the value of your car only goes up after every 5 modifications listed (if its still the same way when i did my insurance)

They wont insure you for any illegal perofmrance part... I.e anything that is deemed illegal in adrs.. but Ive heard of multipul cases where they've paid out. I dont really think it would be an issue.

However and engineering cert will make sure you are coverd. alot better for the cops, yourself and insurance.

They wont insure you for any illegal perofmrance part... I.e anything that is deemed illegal in adrs.. but Ive heard of multipul cases where they've paid out. I dont really think it would be an issue.

However and engineering cert will make sure you are coverd. alot better for the cops, yourself and insurance.

Hi Guys,

All good i actually had an assesor for Just Cars PM me and tell me that it would be fine to add this to my policy so im calling them tomorow :-) ill let you all know if i have any dramas.

Thanks for all the comments, and i hope someone else finds this useful in the future..

If unsure ring them and tell them you are planning on installing it and wanted to know if they will cover it. That way if they turn around and say No you can tell them you aren't going to install it then but if they say its fine ring them the next day and let them know its installed..... pretty simply really.

I have listed everything on my insurances with Just Cars including the Pindent in my rear quarter that was on the car when I got it. They made a note of it and said that when I get the pindent fixed they will remove the note.

i was with jsut cars until a few months ago when GIO did a better deal. but it was all the same.

i told them i had a aftermarket ECU. they said yep thats fine. both GIO and Just Cars

im assuming that they only void your insurance if the modification is a direct result of a accident. but thats my guess.

but they defiently said okai....=D

i told them i had a aftermarket ECU. they said yep thats fine. both GIO and Just Cars

Yes they say that, but they will all also say "as long as the modification is legal", either over the phone or in the small print.

You can list just about anything on the policy, but they still hold the "does it comply to ADR rules" thing above you.

Thats why I've got ADR brake lines now and not Japanese braided lines.

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now


  • Similar Content

  • Latest Posts

    • I wasn’t able to replicate the sound anymore. It was a one time sound so maybe it was just coincidence but it was like small pebbles being dropped in a coke can.   should I try cleaning the MAF? It could be it’s functioning but dirty? I don’t know.
    • Update 4: Hi all. The car drives again! Haven't driven for long, only to store it in the garage again, but the test drive was successful. The coolant and oil leaks seem to be fixed for now. Temps on the engine were also very good, while moving I never even saw 80C water during the approx. 30 minute drive. Ate up all the coolant in the reservoir though so will have to fill that even more when I go to the car next time. One thing that pisses me off is that the RPM gauge is still f**ked, I even resoldered the board twice and used copper paste on the silly screws that are used as connections. Next time I take it out I'll take apart the board and fit new components, I'll see if I can get a replacement IC for it.  I have an appointment set for 22nd of September for the engine tune to 370hp. Alignment also still needs to be done. My hope is that I can get all the legal stuff over with by the end of this season. Anyone of you have advice regarding intercoolers? Currently there is an APEXI core fitted, one of those weird hybrid ones, 600x270x76. I don't think it's bad but it's not new and now I still have the chance to change it now to legally include it in the paperwork. Only issue is that the only options that would arrive in time are a HKS Type R intercooler or generic Ebay spec intercoolers comparable to a JustJap one. Ideally I'd order a Plazmaman but it takes over a month to receive which would mean making the car legal has to wait until next season. Would love to hear some input on this. Same story for my injectors, the previous owner was a nunce and put ID 1050x on the engine. They work but are obviously not ideal at "normal" power levels. But I don't see a reason to change them unless the tuner says it's necessary. I read online before buying a different exhaust that the top secret style rear diffusers won't fit due to the size of the rear resonators. My buddy and I made it work by slightly "adjusting the shape" of the mounting bracket and making some spacers out of 3d print for the mounting bolts. Fits like a charm. Just putting this here in case someone has this problem. Even the hefty HKS Silent Hi Power rear can fits without hitting anything.
    • Well they got my money but they are not getting my gearbox ! 
    • It's needed for rolling idle up, and I think it is a decider on VCT also.
    • I mean, not really. Link ECU's can absolutely still have errors from the ECU thinking it's getting a sensor it's not expecting. I would imagine the speed at the ECU level in Nistune does absolutely nothing anyway? I assume the ECU does not do any fancy TC stuff with regards to front+rear wheel speed or anything of that like anyway. Someone who uses Nistune may be more fluent in it. 
×
×
  • Create New...