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Modification Insurance

Namgun
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GODZ1LLA Proficient

GODZ1LLA

Posted
Posted

I have told my insurance company everything that isnt stock, that way they have no way of trying to stop paying me in the event of a claim..

Why bother telling em only half or so of the things if they are gonna class it as void anyway...

Ben-88 Apprentice

Ben-88

Posted
Posted

best to declare everything generally... firstly to make sure its covered when an incident occurs and secondly and more importantly to make sure they cant use it as an escuse to not pay up. Most insurance companies will want to know everything, some may not need to know. But i guess thats where a phone call to your particular insurance company will answer that question. Depending on who your with though.. once you get to a certain level of mods they may not want to insure you anymore... or at least not for a reasonable price any longer, this is where somewhere like just car is helpful.

scathing Grand Master

scathing

Posted
Posted
Do I have to tell the insurance company that I have made these modifications?

That depends on whether you want to be covered in case of an accident.

As per the policy the insurer may void your claim if you have unlisted mods. Especially those that could cause you to have a higher risk of accident, either because of mechanical failure or making the car more powerful (and theoretically harder to handle or more likely to be driving faster). Or make your car more of a theft target since thieves will want those parts. Which is all of them, really.

At any rate, if you don't declare accessories (i.e. non-mechanical stuff) then even if you get paid out they won't factor their value into the payout figure. Because, as far as they're concerned, you never had them.

VNS 24 Mentor

VNS 24

Posted
Posted (edited)

This is an insurance question,

with the modifications of the following

1. Pod FIlters

2. Z-tube

3. Grounding Kit

4. Plenum Spacers

5. Strut brace

Do I have to tell the insurance company that I have made these modifications?

You should, if you want to claim the modification costs back when the worst possible thing happen to your car. I am not sure if different insurers have different ways to insuring the modified cars.

I am with HBF. When I called them up 2 years ago about insuring my bodykit, etc, they said I can insure up to about AU$8500 (Which is about 25% of the total agreed insured value of my car.).

So looks like I will be changing the insurer when I past AU$8500 mark in modifications, if my policy stays unchange.

Edited by VNS 24

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