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| The Pub For General Automotive Related Talk |
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27-07-2011, 01:23 AM
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#1 | ||
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The Blue Wizard
Join Date: Jun 2011
Posts: 254
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Hey Guys,
As you can probably tell I'm on P Plates in VIC and I'm wanting to know if anyone has or heard of someone getting there claim from insurance 'voided' due to modifications such as Cat back or CAI etc. I know the insurance company will 'cover you' (take your money) But I want to know if they will actually pay up? I'm with AAMI, so yeah please let me know if anyones had any trouble or if they have gotten away with it etc. Also not to concerned about the whole police factor mainly just insurance. Thanks |
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27-07-2011, 01:52 AM
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#2 | ||
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FF.Com.Au Hardcore
Join Date: May 2011
Location: NSW
Posts: 1,428
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Just get a K&N Panel Filter, a tune and some decent Fuel until you get off your P's keep it stock.
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2001 Falcon Fairmont AU2 Big turbo coming Lsd |
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27-07-2011, 08:23 AM
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#3 | ||
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FF.Com.Au Hardcore
Join Date: Oct 2010
Posts: 1,031
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Yeah what he said if you are worried. I have full comp but I also have CAI, extracters, hi flow cat, cat back and gettin a 98 tune. Mine will not be covered cause I'm on my p's, I'm changing to third party next year.
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27-07-2011, 09:05 AM
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#4 | ||
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FF.Com.Au Hardcore
Join Date: Mar 2010
Location: Central Coast, NSW
Posts: 752
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They covered me with my mods when i made a claim a year or so ago and i didn't even have them listed on the policy.
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27-07-2011, 03:17 PM
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#5 | |||
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Dawn
Join Date: Aug 2007
Posts: 987
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Quote:
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27-07-2011, 04:40 PM
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#6 | |||
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The Blue Wizard
Join Date: Jun 2011
Posts: 254
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Quote:
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27-07-2011, 09:02 AM
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#7 | ||
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Silky Smoothe
Join Date: Mar 2011
Location: Hampton Park, Melbourne.
Posts: 412
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I've had exhaust, extractors and everything. Just don't tell them about it.
Realistically the only time you NEED it on your insurance, is if someone steals it. I cant see someone climbing under your car, unbolting your catback and floggin off with it. They won't care, Just don't tell them. My old VS was lowered SSL fronts/SSSL rears, had 20s, extractors high flow cat with a straight through 2.5" exhaust (no mufflers/restrictors) and 5% window tint. I wrote the car off, and they still paid me out. I had to take the rims off (personal choice) but other than that, i didn't care. Realistically, its not worth being covered for an exhaust etc. Exhaust - $200 Rims - $2000 CAI - $50. That extra $2250 added to your premium means you'll pay an extra $700 a year for it. Why bother?
__________________
[R1XSTA] - 2003 BA XR6; Blood orange. Sports Leather. -SOLD - MY12 Holden Cruze SRI-V, 6spd man, sunroof, leather. - SOLD - 2006 Ford Territory Turbo; Silhoutte, Leather, Plazmaman CAI. |
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27-07-2011, 12:45 PM
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#8 | ||
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The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Ryan, do a search mate. This has been asked a few times.
__________________
1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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27-07-2011, 12:53 PM
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#9 | ||
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The Blue Wizard
Join Date: Jun 2011
Posts: 254
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I've been searching for ages Haha
Thanks guys very helpful who were you insured with? |
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27-07-2011, 01:38 PM
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#10 | ||
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FF.Com.Au Hardcore
Join Date: Dec 2010
Posts: 824
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Just car Insurance with me, listed every single one of my mods on the car and I'm covered fine!
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27-07-2011, 02:40 PM
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#11 | ||
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Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
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When I had my BA XR6 I was with Allianz. I had no modifications on my policy but my car had a catback exhaust with Quad exhaust tips out the back. They didn't say anything when I needed to make a claim but it will vary from company to company.
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27-07-2011, 02:47 PM
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#12 | ||
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The Blue Wizard
Join Date: Jun 2011
Posts: 254
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Thanks guys, just to clarify you were on p plates?
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27-07-2011, 02:54 PM
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#13 | ||
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Silky Smoothe
Join Date: Mar 2011
Location: Hampton Park, Melbourne.
Posts: 412
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I've been insured with both, GIO and RACV and never had any problems.
__________________
[R1XSTA] - 2003 BA XR6; Blood orange. Sports Leather. -SOLD - MY12 Holden Cruze SRI-V, 6spd man, sunroof, leather. - SOLD - 2006 Ford Territory Turbo; Silhoutte, Leather, Plazmaman CAI. |
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27-07-2011, 03:06 PM
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#14 | ||
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The 'Stihl' Man
 
Join Date: Jan 2005
Location: TAS
Posts: 27,591
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But have you claimed R1XSTA. You can get insurance for just about anything if you have the money.
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27-07-2011, 05:24 PM
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#15 | ||
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FF.Com.Au Hardcore
Join Date: May 2011
Location: NSW
Posts: 1,428
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I would like to reiterate what other posters have said. You can do the mods, just make sure nobody can see them (or hear them) and in the event of a theft if you have not listen your mods and got them covered you will be out of pocket.
I only have a relitively stock car and i can only afford 3rd party with NRMA because Compo for me is over $900 a year
__________________
2001 Falcon Fairmont AU2 Big turbo coming Lsd |
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28-07-2011, 08:00 PM
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#16 | ||
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mrxr69
Join Date: Jul 2011
Location: kinglake
Posts: 33
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Hey guys I just got quoted 4000 full comp on my xr6 ba ute from racv this can't be right can it then I got one from the buzz they said 2600 full comp EPA side and window cover anyone heard of the buzz
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28-07-2011, 08:18 PM
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#17 | |||
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FF.Com.Au Hardcore
Join Date: Oct 2010
Posts: 1,031
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Quote:
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28-07-2011, 08:43 PM
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#18 | ||
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mrxr69
Join Date: Jul 2011
Location: kinglake
Posts: 33
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basteds i new something was up
who are you with? |
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VIC P Plate insurance company - mods
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