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14-01-2008, 02:58 PM | #1 | ||
Power & Torque
Join Date: Dec 2007
Posts: 60
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Hi all
I have an AU XR6 series 3. I am looking at doing the following mods: DBA Slotted rotors (front & rear) Modified Airbox Extractors, High flow Cat, Cat back exhaust Edit My Car Insurance company wants me to provide a list of these mods & costs, which I have no problem with. They say they will probably NOT insure my car with these mods done. I have spoken to Shannon's and they will only insure my car if it is garaged (my car is under a carport). Can anyone recommend a car insurance company that does not charge over the top premiums, or excesses, for such minor modifications. Any help is greatly appreciated. |
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14-01-2008, 03:01 PM | #2 | |||
Cuban... nothing like it
Join Date: Dec 2004
Location: Watching in amusement
Posts: 11,643
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Most places will only accept 3 mods, maybe limit it to that for the time being.
Just cars?
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14-01-2008, 03:15 PM | #3 | ||
Mopar/No Car
Join Date: Jan 2005
Location: Down the Obi..
Posts: 4,648
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Just Cars will insure just about anything.
One (technical) dodge I've seen used to get around the "3 modification" rule is listing "intake mods" as one modification (air filter, manifold, cam etc all under one mod), "exhaust mods" as another (headers, hi-flow cat, exhaust) and something like "engine management modifications" as the other... I wouldn't class that as out and out fraud, but I'd hate to have to make a claim...
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ColumnShift Media '72 Plymouth Scamp '80 Courier '13 Kawasaki ZX14-R '13 Berlina '92 Suzuki DR650 If you don't fight - You lose
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14-01-2008, 03:20 PM | #4 | ||
FF.Com.Au Hardcore
Join Date: Sep 2007
Location: Scarness, Hervey Bay.
Posts: 830
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I want to put a different front bar on my wagon as the stock one is damaged... What's the bet budget direct won't insure a simple front bar... :p
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14-01-2008, 03:26 PM | #5 | ||
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Join Date: Mar 2005
Posts: 5,954
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why would you make a claim to get another front bar on your car anyway? Go to a wreckers and buy another one for a fraction of the price, I couldn't see one being worth more than $30.
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14-01-2008, 03:38 PM | #6 | ||
Its Resonating!
Join Date: Jun 2006
Location: Sydney, NSW
Posts: 1,612
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You can get away without telling the insurance company, with those replacement parts...
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14-01-2008, 03:48 PM | #7 | ||
FF.Com.Au Hardcore
Join Date: Sep 2007
Location: Scarness, Hervey Bay.
Posts: 830
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Sorry, I should calrify.
My car was hit, the damage bill is around $500. Bar cover being $177~ and the rest paint and labour. I will not be doing an insurance claim... I want to fund my own aftermarket front bar as I may as well do it now that the stock one needs replacing anyway. I'm concerned that budget direct will not longer honour my policy with the mod. I have heard that they only insure low risk, bog stock vehicles. It's important that I stay with budget direct as my mrs is on her L plates. Everywhere else wanted around $1000pa, budget direct were less than $500pa. Matt. |
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14-01-2008, 05:50 PM | #8 | |||
Miami Pilot
Join Date: Jan 2005
Location: ACT
Posts: 21,703
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The Hammer: FG GTE | 376rwkw | 1/4 mile 11.793 @ 119.75mph 1.733 60' (4408lb) 1 of 60 FG MK1 335 GTEs (1 of 118 FG Mk 1 & 2 335 GTEs). Mods: Tune, HSD/ShockWorks, black GT335 19” staggered replicas with 245 & 275/35/19 Michelin Pilot sport 5s Daily: BF2 Fairmont Ghia I6 ZF, machine face GT335 19” staggered Replicas with 245s and 275s, Bilsteins & Kings FPV 335 build stats: <click here> Ford Performance Club ACT |
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14-01-2008, 06:16 PM | #9 | ||
not here much anymore
Join Date: Dec 2004
Location: Sthn NSW
Posts: 22,918
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You do need to be careful how you describe things to insurers - as JC said, you're not actually "modifying" the braking system, you're just replacing a part that does need replacing from time to time (rotors). To be honest I wouldnt even bother listing the airbox or rotors on there because they will make SFA difference to any claim you have.
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2024 F150 XLT
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14-01-2008, 07:47 PM | #10 | ||
t i c k f o r d
Join Date: Mar 2007
Location: Melbourne
Posts: 183
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I'm with Just Cars and when I mentioned the exhaust they asked about headers/extractors as well so not sure if you can get around that. Like the others have said, you shouldn't worry about mentioning the brakes and airbox if it will still look factory. But when I add mods to my policy they only increase it by $30 or so anyhow. I wrote one of my cars off a couple of years back and it had extractors and sports exhaust which I didn't have listed and the claim went through without a hassle -but now I tell them everything as I was stressing out bigtime that my claim might have been overlooked for not disclosing all my mods so thats something to think about.
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AUIII XR6 VCT Liquid Silver / Manual / Leather / Momo Wheel & Shifter / Premium Sound / Lovells Superlows / Koni Reds / T3 Pursuit Rims / Pacemaker 4499s / 2.5 Inch Exhaust |
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14-01-2008, 08:43 PM | #11 | ||
Missing the boost :(
Join Date: Jan 2005
Location: Melbourne
Posts: 671
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Just car will insure you for pretty much anything. Im insured through just car and they had no issue at all when i told them its supercharged plus the rest. Im paying pretty low price too, well for what the car is anyways lol i assume its cause im older now so dont get roasted like a younger person would.
I was with RACV for my first 2 cars and was happy to stick with them with the AU but they wouldnt insure me as they dont insure 'petrol' supercharged vehicles, so they say. Who are you insured through? That is a bit tight they doubt they will insure you for those mods..
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301rwkw mild tune Modified by XR6Turbo Developments |
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16-01-2008, 07:22 PM | #12 | ||
Power & Torque
Join Date: Dec 2007
Posts: 60
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I'm with CGU.
I am looking around at other Insurance companies, & all of the have different criteria for acceptance, policy schedules, details & premiums vary enourmously. I'll let you know who I end up insuring with. |
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16-01-2008, 09:32 PM | #13 | ||||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Moree, NSW
Posts: 2,076
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GXR I've got all my mod's listed ie, bodykit, exhaust, lowered suspension, aftermarket alloy wheels plus rollbar and towbar and stereo and they are all good about it.
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Nathan 2005 FPV BF Super Pursuit The new toy (now sold) The SP The old ute (sold) www.aufalcon.com/nc1183 Build Thread Quote:
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17-01-2008, 08:06 AM | #14 | |||
Regular Member
Join Date: Nov 2006
Posts: 76
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17-01-2008, 11:12 AM | #15 | ||
FF.Com.Au Hardcore
Join Date: Apr 2006
Location: Brisbane
Posts: 1,770
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it's fine to look at premiums.. but you need to look at the excess as well...
i'm with suncorp... they use a points system... once you go over the points.. your excess goes up... my car has alloys... and it's lowered... if i add an exhaust.. my excess goes up $400.... my current basic excess is $300 i think.. might be $400 i cant remember... and my premium is around $700 a year.. including hire car option.. so i get free hire car for 2 weeks while my car is fixed... and some windscreen cover thing.... best thing to do.... shop around... |
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17-01-2008, 12:12 PM | #16 | ||
FF.Com.Au Hardcore
Join Date: Sep 2007
Location: Scarness, Hervey Bay.
Posts: 830
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I asked Suncorp as my previous car was insured for third party fire and theft for over three years with them... Comprehensive for the 2002 Falcon was quoted at well over $1000... More than twice as much as budget direct.
I checked it all out pretty comprehensively before I bought this car and budget direct was about the only one I could really afford. if they say no mods, guess I'll have to lay off the mods for a while. I can always work on getting it right back up to scratch, or something. :p |
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17-01-2008, 12:48 PM | #17 | |||
Walking with God
Join Date: Mar 2005
Location: Melbourne
Posts: 7,321
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I found the same with Budget Direct. Bog stock cars, no problems, low, low premiums. Great, until. We were hit twice. Neither time was anyone actually in our car, but the premiums went up both times. Apparently we were more of a statistical risk now, even though both are rating 1, with no stacks caused by us. Then I joined the forum and the mod bug bit hard. Putting slotted rotors on and 16" XR rims sent my premium up again. They basically said if I did anymore mods my premium would go up like a rocket. Then the Laser was written off, rear ended again not the wife's fault, but the premium was going to go up again. I had to argue hard for the car to be written off and once they paid up, probably about $750 too less, I'd had enough. I took the money and ran. I went to Shannons, they've been great, let me do lots of mods and had a premium cheaper than anyone else. I insured my home and contents with them as well. No extra to pay by the month, which is much better than what RACV wanted, an extra $80 odd bucks per policy to do it. Thieves! : GK
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17-01-2008, 02:08 PM | #18 | |||
FF.Com.Au Hardcore
Join Date: Dec 2004
Posts: 606
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Have you got an FPV or XR6/8 and live in the ACT or surrounding area? Come and check out the FPV & XR Owners Club of ACT AUI VCT: To date - Big brake upgrade, Koni and Kings all round, 2.5 cat back ready for replacing, 19" again ready for replacing. Planned - Too much now I got the baby back. |
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18-01-2008, 12:55 AM | #19 | ||
Young !@#$ Head
Join Date: Feb 2007
Location: Gold Coast
Posts: 796
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I crashed my XR8 and it had a full V8 supercar bodykit, King superlows and exaust dumped before the diff and still got my insurance payout. That was with Just Car
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www.aufalcon.com.au/blackauxr8 AU3 220 XR8 CUSTOM PEARL PAINT LOWERED THEN LOWERED EVEN MORE ADVANTI 20's K&N PORTED MANIFOLDS TWIN 2 1/2 into 3 inch PIPES 244rwhp NOW WITH T5 5 SPEED COBRA CLUTCH AND BILLET LIGHTENED FLYWHEEL SUZUKI GSX-R 750 BLACK 2007 MODEL CARBON FIBRE YOSHI PIPE |
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01-02-2008, 08:57 AM | #20 | ||
Power & Torque
Join Date: Dec 2007
Posts: 60
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Hi all
Well I got the insurance issues sorted. My Insurance (CGU) - normally don't insured modified cars. Their proposal was to double the excess & premiums. Shannons required my car to be garaged (My car is not garaged, therefore no go). Vigil - Yes, no restrictions - reasonable premiums. Just cars - restrictions - increased excess - premiums reasonable. GIO - no problems - no restrictions - reduced premiums. The best by far. For your info, they also have a "Custom Car" section for highly modified cars. It just goes to show, every year shop around & compare. All the insurance companies I spoke to offer differing policies, restrictions, some are very negotiable with premiums if you ask. Good Luck. |
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01-02-2008, 12:38 PM | #21 | |||
Miami Pilot
Join Date: Jan 2005
Location: ACT
Posts: 21,703
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Quote:
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The Hammer: FG GTE | 376rwkw | 1/4 mile 11.793 @ 119.75mph 1.733 60' (4408lb) 1 of 60 FG MK1 335 GTEs (1 of 118 FG Mk 1 & 2 335 GTEs). Mods: Tune, HSD/ShockWorks, black GT335 19” staggered replicas with 245 & 275/35/19 Michelin Pilot sport 5s Daily: BF2 Fairmont Ghia I6 ZF, machine face GT335 19” staggered Replicas with 245s and 275s, Bilsteins & Kings FPV 335 build stats: <click here> Ford Performance Club ACT |
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