Insurance

20-09-2005, 09:33 PM

Is there a huge price in premiums when extractors and exhaust systems are put on au 3 fairmont?

Im in the process (very slow process) of getting them on my car and i just want to make sure after doing them i won't be left out of pocket with higher insurance premiums.

Casper · 20-09-2005, 09:36 PM

I'm with RACV, no extra charges for exhaust, extractors or lowering (when I get around to actually lowering it... but its already insured as lowered)

JC · 20-09-2005, 09:47 PM

The way insurance normally works is that most companies let you have 3 mods (not all, but most). The premium doesn't change, but as soon as you go over 3 mods, it's bye, bye - off to find a new insurer.

Sleeperau · 20-09-2005, 09:57 PM

Quote:

Originally Posted by JCXR8

The way insurance normally works is that most companies let you have 3 mods (not all, but most). The premium doesn't change, but as soon as you go over 3 mods, it's bye, bye - off to find a new insurer.

Does that include in car as well such as sports wheel etc? what if they are a factory Ford item? I have to change my insurance !

EvilChief · 20-09-2005, 11:15 PM

i registered most of my mods as factory options ie: Tickford brakes (T series), Tickford Bodykit (Xr series), mags i cant value as factory, but that will chnage with the new engine :(

JC · 20-09-2005, 11:20 PM

Sleeper - interior bits are generally included as accessories, not modifications. Things like Momo wheel and shifter, etc are all legitimate Ford options, so you should be OK. If you have a mega stereo, then they may count that as a mod. Depends on the insurance company.

loxxr6 · 20-09-2005, 11:22 PM

Some places may allow a certain amount or certain dollar value of mods. Some mods are treated as accessories eg air con and won't affect your policy much.

Safest thing to do is ring around first. Generally speaking tho, those mods shouldn't be too much of a hassle.

**GasoLane** · 21-09-2005, 04:47 PM

AU3 Fairmont. you have to think like an insurance company.
If you put lots of (expensive) mods on your car and write it off, they have to pay more to replace the car to your insured version.
On the other hand if you DONT tell them about any mods they have a legal way out of not paying you a thing (as you didn't disclose any/all mods) and some insurance companies will try to wiggle out of anything :-)

Roger.

21-09-2005, 10:07 PM

im a bit worried. all im putting on is a red back 2.5" Exhaust system on and extractors.

Casper · 21-09-2005, 10:10 PM

who are you insured with?

21-09-2005, 10:12 PM

aami. but im only 18 so its under my mum's name. i pay the insurance but its under her name.

Casper · 21-09-2005, 10:14 PM

You should be fine I would assume. AAMI are pretty decent.
If in doubt, call them and ask. I did that before I did anything..and then changed to RACV as they were the better deal and because my old insurance company sucked (not aami).

Dark Horse · 22-09-2005, 12:40 AM

Quote:

Originally Posted by AU3FAIRMONT

aami. but im only 18 so its under my mum's name. i pay the insurance but its under her name.

Probably a better idea to keep the car stock until you can insure it in your own name.

mattsAU1 · 22-09-2005, 06:48 PM

Quote:

Originally Posted by AU3FAIRMONT

aami. but im only 18 so its under my mum's name. i pay the insurance but its under her name.

i used to be with AAMI and im almost %100 sure no modifications are allowed but like i said im not completely sure

Sleeperau · 23-09-2005, 12:58 AM

:sm_headba

Quote:

Originally Posted by JCXR8

Sleeper - interior bits are generally included as accessories, not modifications. Things like Momo wheel and shifter, etc are all legitimate Ford options, so you should be OK. If you have a mega stereo, then they may count that as a mod. Depends on the insurance company.

Thanks JcXR8 most of my mods have been factory items, too old for a mega stereo though, mainly engine mods & a few internal.

Sleeperau · 23-09-2005, 01:17 AM

:

Quote:

Originally Posted by AU3FAIRMONT

Is there a huge price in premiums when extractors and exhaust systems are put on au 3 fairmont?

Im in the process (very slow process) of getting them on my car and i just want to make sure after doing them i won't be left out of pocket with higher insurance premiums.

Take it easy! If you are 18 & have an Au Fairmont you are doing very well!! Wait 4 the mods & enjoy!

TheSneakiness · 23-09-2005, 09:47 AM

The only things that are counted as mods on my policy is exhaust, 17" rims and lowering.

Everything else has been included as an option. Funny how aftermarket gas is an option.

I'm with RACQ BTW.