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| The Pub For General Automotive Related Talk |
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06-06-2008, 01:53 PM
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Regular Member
Join Date: Feb 2007
Location: Adelaide
Posts: 328
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Hi
A few people have told me that some insurance companies screw their nose up when you notify them of any mods and then raise your insurance premium way beyond the value of the modification even if the mods are all bling and no zing? Anyone had this problem? Just because we mod our cars doesn't mean we are irresponsible hoon drivers.........they are all driving commodes and Jap imports!
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[COLOR=Blue][I]BAXR6 NAI6 Blueprint sedan. |
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06-06-2008, 02:16 PM
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#2 | |||
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Back to Le Frenchy
Join Date: Feb 2005
Location: Back home.....
Posts: 13,346
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My insurer knows about all my mods and don't have a problem with them. I pay less than 1k a year too.
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Quote:
07 Renault Sport Megane F1 Team R26 #1397
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06-06-2008, 02:53 PM
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#3 | ||
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FF.Com.Au Hardcore
Join Date: Feb 2007
Location: Cattai, Sydney
Posts: 7,701
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depends how old you are. and what area you live in(ie cabramatta - more likely to be stolen if its got bling bling etc)
70% of the time i dont undetstand why since usually aftermarket mods are cheaper then the genuine parts!
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1992 EBII Fairmont Ghia 4.0l <---Click for the Gallery! Insta@mooneye_ghia White on bright red smoothies with thick whitewalls. Cruising around to some rockabilly |
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06-06-2008, 03:26 PM
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#4 | ||
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Regular Member
Join Date: Aug 2006
Posts: 436
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I think a lot of the insurers believe adding bling will increse the risk of your car being stolen and adding zing will increase the chance of an accident.
I'm sure they want to keep their jobs simple and would prefer not to bother sourcing or assessing damage on unique parts i.e. custom 22" billet wheels imported from the US. |
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06-06-2008, 03:28 PM
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#5 | ||
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FF.Com.Au Hardcore
Join Date: Feb 2007
Location: Cattai, Sydney
Posts: 7,701
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good point
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1992 EBII Fairmont Ghia 4.0l <---Click for the Gallery! Insta@mooneye_ghia White on bright red smoothies with thick whitewalls. Cruising around to some rockabilly |
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06-06-2008, 04:21 PM
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#6 | ||
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proud member of the MFCC
Join Date: Sep 2007
Posts: 1,958
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yes i have this problem ! with my el every time i do a mod they put up my premium and insurance, how ever evey time i ring up for new quotes they are always dearer or they wont insure because of the car being lowerd ! and the only mods i hae done to my car is lowerd , put typhhon rims and up graded the brakes
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06-06-2008, 04:33 PM
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#7 | ||
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Afterburner + skids =
 
Join Date: Dec 2004
Location: Skidsville
Posts: 12,136
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I'm with Shannons, and they couldn't care less what I do to the blue rocket, which doesn't affect my premium at all.
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Speed Kills. So buy an AU XR8 and live forever. Oo\===/oO |
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06-06-2008, 04:36 PM
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#8 | ||
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WRX terrorist
Join Date: Dec 2004
Location: on boost
Posts: 966
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^^^^ what he said
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 : MY-03 STi : |
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06-06-2008, 04:41 PM
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#9 | ||
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proud member of the MFCC
Join Date: Sep 2007
Posts: 1,958
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yes i want to go to shannons whey wont allow because iam 21 and there is not any thing special about my el falcon !
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06-06-2008, 04:45 PM
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#10 | |||
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Afterburner + skids =
Join Date: Dec 2004
Location: Skidsville
Posts: 12,136
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Quote:
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Speed Kills. So buy an AU XR8 and live forever. Oo\===/oO |
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06-06-2008, 04:46 PM
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#11 | |||
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proud member of the MFCC
Join Date: Sep 2007
Posts: 1,958
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Quote:
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06-06-2008, 08:47 PM
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#12 | ||
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XR6T 400kw(well one day!)
Join Date: Dec 2005
Location: Toodyay W.A.
Posts: 1,008
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Do you have to tell them about flash tuning? Or wouldnt they even bother checking in an event of a accident.??
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If it Vibrates, rattles, squeaks or knocks - then it must be a Territory |
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06-06-2008, 10:13 PM
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#13 | ||
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Performance moderator
 
Join Date: Feb 2005
Location: St Clair..N.S.W
Posts: 14,875
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Bling is just the reason I keep my car almost std looking from outside...
Oh it is std... Btw you don't have to tell the full story .. You KNOW when you add these things its NOT increasing your cars value.. So cop it sweet or leave it alone!! Example XR wheels are far more expensive than aftermarket bling wheels, so why pay the extra ?? If you want them ??. Pay!! Cope it sweet !!!
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Real cars are not driven by front wheels,real cars lift them!!... BABYS ARE BOTTLE FED, REAL MEN GET BLOWN. Don't be afraid to try something new. Remember, amateurs built the Ark...Professionals built the Titanic! Dart 330ci block turbo black pearl EBXR8 482 rwkw.. Daily driver GTE FG.. Projects http://www.fordforums.com.au/showthread.php?t=107711 http://www.fordforums.com.au/showthr...8+turbo&page=4 |
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06-06-2008, 10:14 PM
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#14 | |||
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Banana
Join Date: Sep 2005
Location: Wandin North, VIC
Posts: 2,031
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Quote:
Well I'll be...........thanks for letting me know where I fit in  : :the_finge
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2024 Ford Ranger Wildtrak V6 w/PP 2012 WK2 Jeep Grand Cherokee Overland CRD |
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07-06-2008, 10:47 AM
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#15 | ||
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Regular Member
Join Date: Mar 2008
Location: Adelaide
Posts: 44
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Shannons can be funny, they wont touch me for insurance om my daily, but are more than happy to insure my Mustang (im 24, No Accidents, completed skilled, and advanced drving courses), however they are happy to insure a friend, who is 19, 4 accidents in his xr6 wagon. They did a quote for my parents on thier daily (Toyota Rav 4) and with the discount from other policys with them (dads mustang, and harley), they were still $400 more than others. I have mine insured with AAMI, with mods listed(spoiler, lowered springs, cai, exhaust) and they dont have a problem, and the same premium as no mods, and they are the cheapest, as well have the lowest excess
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07-06-2008, 11:01 AM
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#16 | ||
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Number 5 is alive!
Join Date: Dec 2004
Location: Melbourne, Vic
Posts: 3,438
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With Shannons it depends on your age and how many kays you do a yera aswell.
You used to have to be a member of a club to be with them. They know about all my mods, they dont care, unless they are not road legal.
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Kerry Tickford wings are for Tickford cars! "Experimental Racer" #6 1994 Gunmetal XG XR6 1997-1999 [B][COLOR=Red] 1994 Le Mans Red ED 2008 MA XR5 Mondeo 2015 VOLVO V60 T6 R-DESIGN-POLESTAR Enhanced 
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07-06-2008, 02:25 PM
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#17 | ||
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Cowboy
Join Date: Oct 2005
Location: Echuca VIC
Posts: 1,065
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I have the FPV with shannons with some mods and my XD with a mod list as long as my arm with Elders, neither had a hassle with it. In fact Elders actually insured the mods for a seperate sum! Before I turned 25 though, what a nightmare, AAMI was the best I found.
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1927 Pontiac tourer 1928 Pontiac tourer 1929 Pontiac sedan 1930 Pontiac Landaulet 1932 Pontiac V8 sedan 1935 Pontiac sedan 1937 Pontiac 8 sedan 1948 Pontiac silver streak 1949 Ford F3 pickup 1953 Pontiac Chieftain 1955 Austin Champ 1957 Dodge Power Wagon 1967 Jeep Gladiator 1975 TD Cortina 1978 F100 4x4 2006 GU Patrol ute |
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07-06-2008, 02:34 PM
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#18 | ||
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290v
Join Date: Feb 2007
Location: Adelaide
Posts: 1,219
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Im with Bank SA underwritten by CGU i have a FPV GT $ 670.00 per year $ 250 excess free windscreen Per year & repairer of my choice ( which will be Maughan Thiem Ford paint & Panel seen their work very good)
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BA GT 2003 Silhouette 4 Speed Auto |
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07-06-2008, 07:28 PM
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#19 | |||
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Former BTIKD
 
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
This driver is expecting a crash soon 
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Dying at your job is natures way of saying that you're in the wrong line of work.
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07-06-2008, 07:43 PM
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#20 | ||
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Turbo Falcon Fiend
Join Date: May 2005
Location: Far West NSW
Posts: 3,213
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yeah my turbo AU is insured via elders for $560 pa.
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Just a few. |
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07-06-2008, 08:10 PM
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#21 | |||
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certified nutter
Join Date: Feb 2007
Location: Croydon Park
Posts: 278
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Quote:
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07-06-2008, 08:34 PM
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#22 | |||
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290v
Join Date: Feb 2007
Location: Adelaide
Posts: 1,219
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last speeding fine 22yrs ago, no red light camera fines don't know what one looks like just lucky i suppose haven't been caught yet ( Touch wood)
Quote:
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BA GT 2003 Silhouette 4 Speed Auto |
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07-06-2008, 08:42 PM
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#23 | |||
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FF.Com.Au Hardcore
Join Date: Apr 2007
Location: Miranda, NSW
Posts: 6,771
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Quote:
I hear ya...I'm 45 and have owned cars since 1979, had only one at fault claim when i was young and stupid...No major traffic infringements apart from 4 or 5 speeding tickets....When I bought the GT Shannons wouldn't touch me...Reason?...I've never owned a performance car before...Seems the 351ci XC GXL I had in the 80's isn't classed as a perfromance car...Pathetic!! So I stuck with AAMI at a cost of $2 grand a year. Crikey, that reminds me it's friggin due to be paid Tuesday....Thanks for reminding me.!!!
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2005 BA MK2 FPV GT - 6 SPEED MANUAL , SILHOUETTE, SWISSVAX, SUNROOF, BILSTEIN AND LOVELLS, FACTORY GENUINE 19'S, X-FORCE STAINLESS QUAD CATBACK, ADVANCE HEADERS, 200 CPSI CATS, BLUEPOWER CAI, HERROD BREATHER KIT, 4:11 DIFF RATIO, MAL WOOD OPT 3+ CLUTCH, BILLET SHIFTER, MELLINGS 10227, NOW WITH REVERSE CAMERA/SENSORS, ALPINE SPEAKERS & SUB - CUSTOM TUNED TO 275 RWKW NOW WITH A NEW ADDITION - 2017 MUSTANG V8 GT FASTBACK - , 6 SPEED AUTO IN PLATINUM WHITE, |
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07-06-2008, 08:46 PM
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#24 | ||
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proud member of the MFCC
Join Date: Sep 2007
Posts: 1,958
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ok ring them again that is stupid ! ask for another quote ! and it depends who you are talking to as well
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07-06-2008, 08:50 PM
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#25 | |||
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Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Quote:
Having said that.... I remember once that they were questioning me to death on my rims... I kept saying they were factory, and they kept asking the bloody width, as if they were aftermarket.... They wouldn't insure me unless I CONFIRMED if they were 5.5" or 6" wide.. I can't remember who that was with, it was several years ago now... but what a bloody joke... I had to go out to the car and remove a wheel to see and call em back... All that for half an inch... (they ended up being 5.5" and I got the OK, if they were 6" it would have been a swift NO!) But as to modded cars, I can't be bothered.... I can see someone being as honest as can be, and then getting busted on a technicallity caus they didn't mention something trivial as part of the mods.... The only 'mod' I have done is the paint job... and due to that, NRMA won't insure me. Wonder how long it will be when car COLOUR becomes a factor in the premium??? Wonder if they will take me then.... |
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07-06-2008, 08:59 PM
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#26 | |||
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Former BTIKD
Join Date: Mar 2005
Location: Sunny Downtown Wagga Wagga. NSW.
Posts: 53,197
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Quote:
__________________
Dying at your job is natures way of saying that you're in the wrong line of work.
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07-06-2008, 09:15 PM
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#27 | |||
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Regular Schmuck
Join Date: Dec 2004
Posts: 5,640
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Quote:
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Insurance hassles for modified cars
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