With the impending exhaust job on the XR6, I rang my insurer (Swann) to check if they'd cover the modification. Unlike some, they said they wouldn't modify their policy to cover anything like that, so I was advised to shop around for another insurer. Makes sense, as Swann policies often get sold with new/near new cars from dealers, like mine.
So I did the phone quote merry-go-round.
Shannons computer spat out over 3 grand, but with being in the Tickford club etc, the figured was lowered to $1885. However, I could only get insurance if I installed a Brant immobiliser (www.brant.com.au
). Just Car insurance wanted $2132, and naturally provided mods are legal they didn't mind. Torque Underwritings wanted $2900, and other I was recommended to (including some by other insurers) wouldn't touch the car, including Unique Car Insuracen who said no purely because they car might be driven into Sydney!
I did try Ford Insure, though I wasn't sure they'd go with the modification. But they did, and the premium was a mere $1400 for an AGREED value of $38000. I'm currently paying $1500 for market value. Naturally, mods like a supercharger will mean hunting elsewhere later, but it seem Ford Insure will cop other reaonsable mods, provided of course they know about them including lowering no more than an inch below standard.
For guys like minge, Pete, Blown AU, these guys aren't much good, but if your Ford is stock, or not majorly modified, give them a go - the premium might surprise you. I couldn't get cheaper quotes from NRMA, or other insurers when the car was bog stock with a market value policy!