Jump to content
SAU Community

Insurance Cover Question

NRV155

By NRV155,
in General Automotive Discussion

 Share

Recommended Posts

NRV155 Proficient

NRV155

Posted
Posted

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?

Link to comment
https://www.sau.com.au/forums/topic/414973-insurance-cover-question/
Share on other sites
666DAN Grand Master

666DAN

Posted
Posted

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 Proficient

NRV155

Posted
  • Author
Posted

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 Grand Master

Birds

Posted
Posted

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 Proficient

NRV155

Posted
  • Author
Posted

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 Grand Master

Birds

Posted
Posted

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.

NRV155 Proficient

NRV155

Posted
  • Author
Posted (edited)

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 by NRV155
Birds Grand Master

Birds

Posted
Posted

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.

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
 Share
Go to topic listing


  • Similar Content

  • Latest Posts

    • brillo
      Leak from Tokico BM50 Brake Master Cylinder

      By brillo · Posted

      Hi, SteveL Thank you very much for your reply, you seem to be the only person on the net who has come up with a definitive answer for which I am grateful. The "Leak" was more by way of wet bubbles when the pedal was depressed hard by a buddy while trying to gey a decent pedal when bleeding the system having fitted the rebuilt BM50 back in the car, which now makes perfect sense. A bit of a shame having just rebuilt my BM50, I did not touch the proportioning valve side of things, the BM50 was leaking from the primary piston seal and fluid was running down the the Brake booster hence the need to rebuild, I had never noticed any fluid leaking from that hole previously it only started when I refitted it to the car. The brake lines in the photo are "Kunifer" which is a Copper/Nickel alloy brake pipe, but are only the ones I use to bench bleed Master cylinders, they are perfectly legal to use on vehicles here in the UK, however the lines on the car are PVF coated steel. Thanks again for clearing this up for me, a purchase of a new BMC appears to be on the cards, I have been looking at various options in case my BM50 was not repairable and have looked at the HFM BM57 which I understand is manufactured in Australia.  
    • Gantai
      R33 GTST Steering Rack (49001-19U05) Rebuild?

      By Gantai · Posted

      PXL_20250828_063541093.TS.mp4
    • Gantai
      R33 GTST Steering Rack (49001-19U05) Rebuild?

      By Gantai · Posted

      Well the install is officially done. Filled with fluid and bled it today, but didn't get a chance to take it on a test drive. I'll throw some final pics of the lines and whatnot but you can definitely install a DMAX rack in an R33 with pretty minor mods. I think the only other thing I had to do that isn't documented here is grind a bit of the larger banjo fitting to get it to clear since the banjos are grouped much tighter on the DMAX rack. Also the dust boots from a R33 do not fit either fyi, so if you end up doing this install for whatever reason you'll need to grab those too. One caveat with buying the S15 dust boots however is that the clamps are too small to fit on the R33 inner tie rod since they're much thicker so keep the old clamps around. The boots also twist a bit when adjusting toe but it's not a big deal. No issues or leaks so far, steering feels good and it looks like there's a bit more lock now than I had before. Getting an alignment on Saturday so I'll see how it feels then but seems like it'll be good to go       
    • PranK
      R35 GT-R production ends after 18 years

      By PranK · Posted

    • SteveL
      Leak from Tokico BM50 Brake Master Cylinder

      By SteveL · Posted

      I don't get in here much anymore but I can help you with this.   The hole is a vent (air relief) for the brake proportioning valve, which is built into the master cylinder.    The bad news is that if brake fluid is leaking from that hole then it's getting past the proportioning valve seals.   The really bad news is that no spare parts are available for the proportioning valve either from Nissan or after market.     It's a bit of a PITA getting the proportioning valve out of the master cylinder body anyway but, fortunately, leaks from that area are rare in my experience. BTW, if those are copper (as such) brake lines you should get rid of them.    Bundy (steel) tube is a far better choice (and legal  in Australia - if that's where you are).
×
×
  • Create New...