Superlows and insurance - Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars

Cobra · 07-11-2003, 21:23

I want to put superlows on my car (EL XR6). I rang up RACV the other night just to get info. The chick i spoke to (who was obviously quoting everything off her screen as i could tell she had no idea what she was on about) said that I couldn't lower my car any lower than 30mm Lower than the base model. XR6 is allready about 1" lower than GLi, so does that mean It's basically on its limit now? I was positive that you could go 1.5" lower than the cars original ride height, not the base model.

So, for the guys who have superlows on your car, how has it affected your insurance? How do they even know how high your car is? Does an insurance assessor come out and measure it? What's the big deal, i mean if it doesnt sit lower than the legal 100mm i don't see any problem. I am not sure how low Superlows will make my car sit. I know they sit low becasue I've seen them, I just don't know the exact height. Gee I hate Insurance, nothing but trouble and you only get your money's worth when something really bad happens.

Cobra · 07-12-2003, 23:52

Also for the guys who have XR's, did you keep the standrad shocks or go for short stroke shocks? What brand shocks did you go for and how much? I know on XR's you don't have to change the shocks and I wont for now becasue I can't afford it. I will probably go for a premium brand down the track, Koni or Bilesten.

South · 07-13-2003, 01:29

Just dont inform them of the suspension, if you do happen to crash, just say you bought it that way, have seen several around looking the same, and assumed it was the normal height.

Superlows dropped my car, EF Fairmont, around 75mm or more, dont know exactly, but shes on her bum, and it is a pain in the bum when you go for a holiday, but around town its a 'decent' ride, bit hard though, and even though i have stiff shocks, it bouncy around more than i'd like...

lx^el · 07-13-2003, 03:13

LOL... when i rung the RACV the chick said, "As long as it's legal height we are able to insure it"... but then i said i was 19 and it went something more like "uhhhh... no sorry we can't insure that"

And about not telling them... wouldn't recommend it, my cousin (30yo) lowered his car (legal height) and didn't tell them... then his car was stolen and recovered with some damage... AAMI were dening his claim to have it fixed because he lowered it without telling them. It got sorted out after he threatened to go to court.

Night_Lurker · 07-13-2003, 03:23

when i bought my car i told RACV that the car was lowered (factory 17 inch rims, with the apparent lowering of the car) and they said fine (no less more than 30mm from standard). however i discovered it doesn't look much lower than a standard XT so I will get the car lowered and it should be sweet (as the car is already insured as being lowered). right??? please say so!!

Cobra · 07-13-2003, 03:58

Bugger not telling them. When you join with them you have to declare any modifications to them. If you don't then you've allready voided the contract. May as well not have insurance atall. I'm going to look elsewhere for insurance because I'm not really happy with RACV.

Night_Lurker · 07-13-2003, 04:18

hmmm thats right cobra (although technically i already haveinformed them)....maybe i should wait and see what just car would offer me!!! The only mod i wanna do is the suspension...

Cobra · 07-13-2003, 06:26

Dude, so you have only got the 17" and it sits lower becasue of what, the lower tyre profile? You only have to declare what you have modified, not the result of a modification. You told them you have bigger wheels, how are you to know that the car will be lower as a result of putting these wheels on? For all they know the car sits the same.

I'm putting 17" wheels and superlows on at the same time. They said the wheels are fine becasue they are only 1 inch wider than standard, but I don't know if the car will sit higher or lower with the wheels just on (without lowering it). Still, I'm going to put superlows on, it's my car I'll do what I like. If RACV don't approve they can shove it up their arse.

Night_Lurker · 07-13-2003, 07:20

Cool cheers for that Cobra...stupid insurance companies...now off to see the wizard the wonderful wizard of herrods....well after my tax money comes through!!

Cobra · 07-13-2003, 07:34

Yeah I'm waiting for my tax money to come through and on go the Superlows and 17's!