VIC P Plate insurance company - mods

[RyanFalcon21]

Hey Guys,

As you can probably tell I'm on P Plates in VIC and I'm wanting to know if anyone has or heard of someone getting there claim from insurance 'voided' due to modifications such as Cat back or CAI etc.

I know the insurance company will 'cover you' (take your money) But I want to know if they will actually pay up? I'm with AAMI, so yeah please let me know if anyones had any trouble or if they have gotten away with it etc.

Also not to concerned about the whole police factor mainly just insurance.

Thanks

[falconnut]

Just get a K&N Panel Filter, a tune and some decent Fuel until you get off your P's keep it stock.

[Jack960]

Yeah what he said if you are worried. I have full comp but I also have CAI, extracters, hi flow cat, cat back and gettin a 98 tune. Mine will not be covered cause I'm on my p's, I'm changing to third party next year.

[R1XSTA]

I've had exhaust, extractors and everything. Just don't tell them about it.

Realistically the only time you NEED it on your insurance, is if someone steals it.

I cant see someone climbing under your car, unbolting your catback and floggin off with it. They won't care, Just don't tell them.

My old VS was lowered SSL fronts/SSSL rears, had 20s, extractors high flow cat with a straight through 2.5" exhaust (no mufflers/restrictors) and 5% window tint. I wrote the car off, and they still paid me out.

I had to take the rims off (personal choice) but other than that, i didn't care.

Realistically, its not worth being covered for an exhaust etc.
Exhaust - $200
Rims - $2000
CAI - $50.

That extra $2250 added to your premium means you'll pay an extra $700 a year for it. Why bother?

[lockieoc]

They covered me with my mods when i made a claim a year or so ago and i didn't even have them listed on the policy.

[LTDHO]

Ryan, do a search mate. This has been asked a few times.

[RyanFalcon21]

I've been searching for ages Haha

Thanks guys very helpful who were you insured with?

[|Nate]

Just car Insurance with me, listed every single one of my mods on the car and I'm covered fine!

[chrisfpv]

When I had my BA XR6 I was with Allianz. I had no modifications on my policy but my car had a catback exhaust with Quad exhaust tips out the back. They didn't say anything when I needed to make a claim but it will vary from company to company.

[RyanFalcon21]

Thanks guys, just to clarify you were on p plates?

[R1XSTA]

I've been insured with both, GIO and RACV and never had any problems.

[Polyal]

But have you claimed R1XSTA. You can get insurance for just about anything if you have the money.

[ch33z1l]

Originally Posted by falconnut

Just get a K&N Panel Filter, a tune and some decent Fuel until you get off your P's keep it stock.

Probably the best advice, but possibly minus the tune....

[RyanFalcon21]

Originally Posted by ch33z1l

Probably the best advice, but possibly minus the tune....

Easier said then done though :P I'm really just after a sweet tune from it :(

[falconnut]

I would like to reiterate what other posters have said. You can do the mods, just make sure nobody can see them (or hear them) and in the event of a theft if you have not listen your mods and got them covered you will be out of pocket.

I only have a relitively stock car and i can only afford 3rd party with NRMA because Compo for me is over $900 a year

[mrxr69]

Hey guys I just got quoted 4000 full comp on my xr6 ba ute from racv this can't be right can it then I got one from the buzz they said 2600 full comp EPA side and window cover anyone heard of the buzz

[Jack960]

Originally Posted by mrxr69

Hey guys I just got quoted 4000 full comp on my xr6 ba ute from racv this can't be right can it then I got one from the buzz they said 2600 full comp EPA side and window cover anyone heard of the buzz

Holy crap mate that **** aint right. Im insured full comprehensive with one front window replacement a year at the age of 20 for just over $1000 and im driving a 2007 Xr6.

[mrxr69]

basteds i new something was up
who are you with?