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

» Auto Insurance
» Featured Product
ยป Wheel & Tire Center

Go Back   Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars > The Garage - Tech Forums > General Tech
Register Home Forum Active Topics Photo Gallery Auto Loans Garage Mark Forums Read Auto Escrow

General Tech Have a question that is not covered by one of the other categories? This is the forum for all other items not specifically covered in other categories.

FordForums.com is the premier Ford Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Display Modes
Old 09-12-2002, 18:13   #1 (permalink)
Senior Events Moderator
 
AU1SIXA's Avatar
 
Join Date: Feb 2002
Age: 33
Posts: 1,710
Question Mods and insurance

Hi just wondering if you should tell your insurance company everthing you do to your car and how much more does the premiums go up buy. I have extractors, 2 1/2 inch exhaust, thermo fans , mags ect that i havent told them about now i may aswell ring them up and tell them of these mods otherwise i wont be covered and its going to be a waste of time getting insurace.

What i wanted to know is will it go up much more or is it just so they know what u have done to your car.

Thanks

Steve B
__________________
BSR (LPG BIATCH, SPER-MIN-ATOR, PEPPER BIATCH)
TEAM GALAXY(Co-Founder)
FF EVENTS ORGANISER
AUPS
AU1SIXA is offline   Reply With Quote
Sponsored Links
Advertisement
 
Old 09-12-2002, 18:31   #2 (permalink)
Registered User
 
Hoon's Avatar
 
Join Date: Sep 2002
Location: Brisbane, Australia
Posts: 285
Well, thermo fans mean jack all. Best to tell them about your exhaust...technically, the premium shouldn't go up at all with that. They wouldn't give you extra cash on your car cause you got mags, that's a definate.

If you want to insure your car for more than it's worth (that's including the mags too) and you wanna make sure that you get your money back if your car (heaven forbid) get stolen, burnt or otherwise, then it's best to get an independant valuation.

It's best to speak to a guy that did mine. Call Independent Motor Valuations on (07) 3219 8511. It'll cost you $110, and the guy will come to you, where ever you are. Make sure you have recipts for all work you have carried out on your car, so he'll give it the best price possible. Then you take that valuation (you get it in the mail) to Shannons or someone like that, and they honour it. This company is recognised by all insurance companies, so you shouldn't have any problems going to Suncorp or (bleh) RACQ.

Hope that helps some.
__________________
"Keep it Real"
"Big D" Dion.

http://www.hoon.tk
Ford XE Green n Gold 4.1L IL6 Nitrous Assisted. Best time to date: 14.338 @ 98MPH
Mazda 626 Faded Blue 2L IL4 NA Diesel!
Hoon is offline   Reply With Quote
Old 09-12-2002, 18:56   #3 (permalink)
Tickford EL XR6
 
Join Date: Aug 2002
Location: melbourne
Posts: 221
Good info Hoon,

RACV in Vic reckon doing extracters and exhaust doesn't add much (a few dollars a month more), but it's the combination of mods they want to find out about, like stereo, mags, exhaust.
BTW, they won't insure cars with a high flow filter, but zorst and cam mods are OK. WTF??!!??!!
Tickford6 is offline   Reply With Quote
Old 09-12-2002, 19:20   #4 (permalink)
Registered User
 
Hoon's Avatar
 
Join Date: Sep 2002
Location: Brisbane, Australia
Posts: 285
You guys actually pay more for putting on extractors? That's criminal! I swear the insurance companies are going down the toilet.....with a blue loo flush.
__________________
"Keep it Real"
"Big D" Dion.

http://www.hoon.tk
Ford XE Green n Gold 4.1L IL6 Nitrous Assisted. Best time to date: 14.338 @ 98MPH
Mazda 626 Faded Blue 2L IL4 NA Diesel!
Hoon is offline   Reply With Quote
Old 09-12-2002, 22:45   #5 (permalink)
Last of the Good Ones
 
BRING_BACK_XF's Avatar
 
Join Date: May 2002
Location: Melbourne
Posts: 172
I told AAMI my car was lowered with a "sports exhaust" (extractors and 2-1/4 free-flow system). They said "yeah, no worries, just let us know if you do anything else".

Being 27 years old helps a lot, because they said under 25's aren't covered if they drive my car with those mods.

My premium stayed the same.

I'm allowed 3 mods.
__________________
If it ain't broke don't fix it.
BRING_BACK_XF is offline   Reply With Quote
Old 09-13-2002, 00:50   #6 (permalink)
Boat Hunting ;)
 
younggun's Avatar
 
Join Date: Jan 2002
Location: adelaide
Age: 28
Posts: 1,633
Quote:
Originally posted by BRING_BACK_XF

I'm allowed 3 mods.
hehe.... me thinks turbo for the third! :s6:
__________________
AU2 S-pack Owner: Silhouette Black, XR6 Wheels, Tickford Sunroof, C2R rear bar, Checker Plate Floor Mats, Chrome Door Sills, Blue Backlite Dash, Blue Painted Brake Callipers, Advanced Extractors, Magnaflow High Flow Cat, 2.5" Stainless Steel Mandrel Bent Custom Exhaust, Genie Muffler. Sony Explode 50w x 4 deck, Kenwood 140w speakers (front and rear), Boss 1200 watt Amplifier, 12" Orion Sub in custom box. More To Come!!
younggun is offline   Reply With Quote
Old 11-11-2003, 23:27   #7 (permalink)
Veteran Ford Member
 
Join Date: Oct 2003
Location: Dazed And Confused...
Age: 33
Posts: 3,143
Re: Mods and insurance

Hey AU1SIXA

Im 22, rating 2 and my car is essentially the same as yours with the same work done, i was insured with Allianz for $1200 a year and thought WTF?? Looked around and found RACV, $740 a year, got the extractors and zorst done and it went up to $790 a year, not much at all really when im payin by the month, only a couple of bucks. I recommend RACV, it seems that if your not a P plater they are actually pretty fair!
BlueAU is offline   Reply With Quote
Old 11-12-2003, 17:36   #8 (permalink)
98 EL Fairmont
 
Join Date: Apr 2003
Location: Perth, WA
Age: 30
Posts: 75
Re: Mods and insurance

I was quite surprised to learn that my premiums weren't to go up with any modifications I added to my vehicle. I was told that I could do whatever I wanted as long as it was legal, and not a turbo. Albeit I'm getting raped with $1400 a year, but at 19 and for the car I have, I'd say I've done quite well.

That was with SGIO.
St00 is offline   Reply With Quote
Old 11-12-2003, 18:36   #9 (permalink)
Registered User
 
Join Date: Nov 2002
Location: Newcastle, Australia
Posts: 48
Re: Mods and insurance

Hmm, I need to look round for better insurance it seems. I'm 24, have mags, extractors, 2 1/2 exhaust (and tinted windows) and I'm getting $1200 year (Just Car). Was previously with GIO ($670) until they told me they didn't insure vehicles with extractors. NRMA had some problem with 17x8's on an EL.
__________________
EL Fairmont
97EL is offline   Reply With Quote
Old 11-12-2003, 19:00   #10 (permalink)
do YOU have rubber?
 
!Gn|T|0n's Avatar
 
Join Date: Dec 2002
Location: Brisbane
Age: 34
Posts: 2,357
Re: Mods and insurance

I'm a 23yo. I've been a rating 1 with RACQ for 1.5 years now. Rather happy with them (but never needed to claim). I was amazed, not only do I get my rating 1 being a 23yo male with a red, lowered, V8 ghia with sports exhaust (and YES definitely tell them, what's the point in paying any premium if you give them a window to invalidate your policy if they find something you didn't tell them about after a claim!) but when I told them about wheel upgrades they said up to $2k of wheel value no increase in premium. Also stezza upgrades are covered with the same premium up to some reasonable value too! Be honest with them and don't give them any loop holes to screw you with. BTW just paid my 12month policy today. Fully comprehensive $573.30 and that's with on street parking in an inner city suburb :s6:
!Gn|T|0n is offline   Reply With Quote
Sponsored Links
Advertisement
 
Reply

  Ford Forums - Mustang Forum, Ford Trucks, Ford Focus and Ford Cars > The Garage - Tech Forums > General Tech



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance Woes For XR8fella, again ! XR8fella The Pub 20 06-13-2003 00:25
insurance question? ef-ficiency Australian Falcons 4 02-21-2003 09:29
Exhaust mods for NL Fairlane BlackMagic Exhaust 3 08-14-2002 05:32
Mods for EA/EB rolli General Tech 15 03-20-2002 19:56
Ford Marketing - Performance is Nothing Without Insurance! Aussie Pete The Pub 29 12-05-2001 21:23

Powered by vBadvanced CMPS v3.2.2

All times are GMT -7. The time now is 22:11.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Content Relevant URLs by vBSEO 3.6.0
Garage Plus vBulletin Plugins by Drive Thru Online, Inc.