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Insurance And Power Fc

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R33-RB26DETT Proficient

R33-RB26DETT

Posted
Posted

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?

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https://www.sau.com.au/forums/topic/220988-insurance-and-power-fc/
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RBwhatever Veteran

RBwhatever

Posted
Posted (edited)

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
R33-RB26DETT Proficient

R33-RB26DETT

Posted
  • Author
Posted
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.

RBwhatever Veteran

RBwhatever

Posted
Posted
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.

R33-RB26DETT Proficient

R33-RB26DETT

Posted
  • Author
Posted (edited)

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
RBwhatever Veteran

RBwhatever

Posted
Posted (edited)

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
typevu Grand Master

typevu

Posted
Posted
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? :(

OZ_Pomy Rising Star

OZ_Pomy

Posted
Posted

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)

DECIM8 Grand Master

DECIM8

Posted
Posted

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.

R33-RB26DETT Proficient

R33-RB26DETT

Posted
  • Author
Posted
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..

Triptych Proficient

Triptych

Posted
Posted

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.

R34NRG Grand Master

R34NRG

Posted
Posted

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

some_cs_student Veteran

some_cs_student

Posted
Posted
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.

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