Im wanting to subtly mod my car, but am not really prepared to pay a fortune for insurance. My current mob are happy for me to install stereo and exhaust, are fine with the king lows, but dont want to know about anything else. Oh they dont mind about the 5spd conversion either.
Now im planning on also have a 3.7 LSD diff centre installed, WADE cam, some intake mods incorporating the factory airbox, ported head etc etc
Now im pretty certain i can do all these mods without anyone noticing it from the outside. (like with the diff, get the centre installed in my current housing but keep the original ratio tags on it). Question is, if I had a stack, how far do insurance people normally inspect the car? With the EA, i didnt even tell them i had extractors or pod filter etc, and they didnt say anything when it was assesed. But im not wanting to risk too much with this car its worth more
Should i go ahead with it? Or should I try someone like Just Car or something (which i already have, they want almost 3 grand for everthing listed above, im currently paying 1200 a year full comp)
Depends on how suspicious the crash is.
Most places now just take photos and email them to the insurance company.
But i asked a simular question a while back, and people warned me that they could pull the rocker cover off and have a peak if they are real anal. Dont know if it ever happens.
Ud probably get away with it, unless it was real obvious
dont go putting performance stickers everywhere but
1st car EA Fairmont Ghia, extractors, exhaust
2nd EF GLi, 'custom' interior, extractors, exhuast
3rd EA Fairmont 5spd, low'd, extractors, exhuast, head
work, 3.45LSD, EL dash, interior+ El ECU
4th EB2 Fairmont, EL dash and interior, BBM, LSD etc etc
5th EB Fairmont Ghia 5L. All leather, lowered, exhaust etc
I never seen them knock back insurance for mods that cant be seen, they even passed a claim on a vu ss ute that had balled tyres and I mean balled down to the mesh, we even got the accessor to come and have a look at them.
as has been said, the most common way of assessment now is to just have the repairer take a few photos of it and email them to an assessor sitting in an office somewhere. that's how mine was done, and it was about 15mm lower tha it should have been - nothing huge, but enough to give them something to whinge about.
mine got through fine, worse comes to worse you could always go and take the extra mods off it while its being assessed/repaired, and then just put em back on once its all done. i know a few mates who have done it this way - had stuff that wasnt mentioned in their policy on their cars, pranged them, then just went back and took off stuff, took it home and once the car was fixed they just put it all back on.
AFAIK, insurance companies are only really interested in exterior modifications (because a body kit + alloy wheels increases the threat of being stolen) and serious underbonnet modifications, ie forced induction, as that would make the car a lot more powerful.
Easiest thing to do is ask your current insurer before you do the mods. If they tell you no straight out, then it's probably not worth it. If you have modified it and haven't told them, they can void a claim in two seconds flat. Not worth the risk, imho.
EA GL-Ghia pseudo operator
3.9 MPFI converted 4 speed
2.5 inch exhaust
NC Ghia interior (except rear trims)
Fairmont audio (with 4 speakers)
S-pac cluster with white dials
Trip computer and Fairmont interior lighting.
Half wired Ghia BCM.
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