Insurance Cover Question

[NRV155]

So i got a ford territory and got covered by real insurance. I have no mods but want to add a pod filter (this is not a pod benefits debate). If i was to add one and didnt note it on the policy, in the event of an accident, will i get paid out or would they void my cover because of this minor mod?

[mad082]

Should be fine.

[666DAN]

The general rule is, unless it contirbuted 100% to a claim, then they normally don't mind. Saying that, the cost of the replacement of an unlisted modification isn't covered either, in the event of it being damaged in an accident.

[NRV155]

Im aware of the not being covered cost side of things but a filter and pipe cost only arond $60 all up. I just thought an insurance company would look for anything to avoid a payout. Ive just heard stories of companies not paying out for something not being on the policy.

[Birds]

So i got a ford territory and got covered by real insurance. I have no mods but want to add a pod filter (this is not a pod benefits debate). If i was to add one and didnt note it on the policy, in the event of an accident, will i get paid out or would they void my cover because of this minor mod?

Ask your insurance company?

Do people think for themselves anymore?

[NRV155]

If everyone did, you wouldnt need a discussion forum. Was a question open for discussion.

Geez...

Plus if i had to ring the insurance company up then id need to look for my policy number and talk to people and stuff. And im also assuming their answer would be to find a company such as just car, who charge more than Real for the same car, as they wouldnt cover such a mod.

[Birds]

If everyone did, you wouldnt need a discussion forum. Was a question open for discussion.

Geez...

Plus if i had to ring the insurance company up then id need to look for my policy number and talk to people and stuff. And im also assuming their answer would be to find a company such as just car, who charge more than Real for the same car, as they wouldnt cover such a mod.

It's not really open for discussion. It's going to be a dichotomous yes or no answer and the only one who can give this to you reliably will incidentally be the quickest to answer it for you.

You mean you'd have to do some work? So instead, you'd rather take the word of randoms on forums, who aren't going to give you money when you have an accident, over the word of reps from the company who insures you and issues your PDS?

This generation sucks.

[sydking]

Keep the stock box to be safe, Can always switch over if the circumstances allow.

[sydking]

Keep the stock box on hand to be safe, Can always switch over if the circumstances allow.

[NRV155]

Yeah, i'd never get rid of the stock box.

Birds, maybe someone has been through this before and had some insight and maybe wanted to share their story to back up a yes or no answer?

If i asked something about running more boost safely with my standard turbo, would you just say go ask a mechanic or something or would you allow others that have done it already to answer "yes its safe" or whatever?

Whatever anyways. Mods may as well delete this now useless thread or turn it into a 'boobs' thread or something.

Edited December 5, 2012 by NRV155

[Birds]

If i asked something about running more boost safely with my standard turbo, would you just say go ask a mechanic or something or would you allow others that have done it already to answer "yes its safe" or whatever?

Example doesn't apply - in this situation you have a company that is a phone call away from answering your question and is the only one who can accurately answer it for you. In your example, yes the enthusiasts or your tuner are the people to turn to.

Just looking after you here as well as lecturing - forum information isn't gospel. I've seen threads where there is a consensus, everyone in it agrees, and the information has still been wrong.

[blesak]

thanks for all the information guys

[BeastVS]

No insurance company would void a claim for a pod filter. Something like coil overs then yeah.