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Old 06-29-2003, 19:55   #1 (permalink)
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AAMI warning - factory optioned steering wheels

Just a word of warning to those either insured or thinking of getting insured with AAMI - they class a factory fitted OPTIONALsteering wheel as a MODIFICATION rather than an ACCESSORY. Look out for the same treatment on factory optioned rims and suspension.

Ringing them today to get a quote on the XR8, I did the right thing (how stupid am I) and told them they were missing an option on their accessory list, which I had on my car - the optional "red stitch" Momo steering wheel. Now because of the other mods I've had done, (exhaust/extractors/suspension), they considered that this was a "fourth" modification, and therefore pushed me over the 3 allowable mod limit. No matter how I argued the logical f'ing point, they wouldn't budge on the fact that they thought my FACTORY steering wheel was a modification. Without mentioning it, I would have been fine...

So just a heads up - if you've optioned that nice Momo wheel & shifter, or the great new "sports" wheel on the BA, then factor that into your "allowable" modifications list. F'ing stupid isn't it?

Anyway, looks like I'm forced into a "specialist" insurer for the XR8 now, so I can look forward to ridiculous excesses and be forever grouped with dickhead riceboy idiot drivers... ain't life grand!
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Old 06-29-2003, 20:05   #2 (permalink)
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Re: AAMI warning - factory optioned steering wheels

Yes it is all stupid, unless the car came form the factory listed as a standard, its an accessory and a modification.

So when you buy that great car, with a tail, and a towbar, and its listed as factory fit, it is still an accessory, as the car per factory specs does not come with it. Damn stupid rules, should be 2 classes of mod, factory fit, and aftermarket.

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Old 06-29-2003, 20:08   #3 (permalink)
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Re: AAMI warning - factory optioned steering wheels

I will never insure anything with AAMI again after a bad experience with them.
Good luck Sparkles.
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Old 06-29-2003, 20:09   #4 (permalink)
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Re: AAMI warning - factory optioned steering wheels

I had a similar problem with AAMI. I fitted a sports steering wheel to my old Barina (within the legal limits of the RTA), yet AAMI refused to insure me. Thye said that it was under their limits of 14inch diameter. What a load of crap. So guys becareful with AAMI.
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Old 06-29-2003, 20:41   #5 (permalink)
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Re: AAMI warning - factory optioned steering wheels

Who do you guys use for your Insurance, I am with AAMI at the moment but are looking else where.

Is RACV any good? or is there someone better?
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Old 06-29-2003, 20:51   #6 (permalink)
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Re: AAMI warning - factory optioned steering wheels

Quote:
Originally Posted by Stealth00
Who do you guys use for your Insurance, I am with AAMI at the moment but are looking else where.

Is RACV any good? or is there someone better?
I used to be with AAMI, but the quote they gave me for the BA was outrageous ($1800 on a rating 2). Called RACV $700 and rating 1. Decision was made :) not wanting to see what the renewal one is :(
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Old 06-29-2003, 20:56   #7 (permalink)
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Re: AAMI warning - factory optioned steering wheels

What a load of crap.
Its not like it makes your car any more dangerous/powerfull/likely to be stolen/ or whatever.

Im also looking for new insurance. Might give ford insure a call later, most places wont take me coz im under 25 with a few mods :(


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Old 06-29-2003, 21:07   #8 (permalink)
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Re: AAMI warning - factory optioned steering wheels

i recently replaced my 14" steelies with 15" turbo blades on my EB2 falcon. i know turbo blades came standard with fairmonts or whatever but not mine. Im with AAMI but i didn't tell them of the change and if anything happens i'll just say they came with the car and heaps of falcons have them so i thought it was normal. So if i decide to tell them im guessing they wouldnt accept it?
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Old 06-29-2003, 21:41   #9 (permalink)
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Re: AAMI warning - factory optioned steering wheels

Your only shooting yourself in the foot by not telling your insurer of any mods you've made. No matter how good an excuse you have ready for when making a claim, you have to remember the insurance company is looking for any reason possible to dishoner that claim.
So if you have any mods you havn't told your insurance company about, you basicly dont have insurance, your just giving them money for nothing!
Insurance companies are more than happy to take your money, I've noticed when getting quotes they often dont even ask questions about the car or driver history, but rest assured those questions will be asked when it comes time to get money from them!
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Old 06-29-2003, 21:54   #10 (permalink)
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Re: AAMI warning - factory optioned steering wheels

Sparkles;
You wasted a phone call to AAMI? What were you thinking? They're scum.

I just went with Ford Insure who were one step below NRMA. Choice of repairer, and all the good stuff.

Ask AAMI who repairs your car if you are insured with AAMI. I got the hint when every smash repairer I went to refused to fix or quote because AAMI was involved.
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