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| Insurance and modifications http://auszookers.com/forum/viewtopic.php?f=5&t=25755 |
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| Author: | matt91112011 [ Tue Sep 13, 2011 2:06 am ] |
| Post subject: | Insurance and modifications |
Hi guys, I want to insure my vehicle to a much higher value. But will they insure my car without and engineers certificate? I've got the following mods. 2" body lift 3" suspension lift Snorkel ARB modified winch bar (for body lift) Hid headlights Hid spotlights Roof racks 15x7 -13 offset rims 31x10.5 tyres Dual batteries Will they insure my parts as per what I payed? I think that's it. Cheers Matty |
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| Author: | Rusho [ Tue Sep 13, 2011 2:11 am ] |
| Post subject: | Re: Insurance and modifications |
Depends who you go with. Shannon's probably will but you might pay a but extra for your premium. |
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| Author: | mnemonix [ Tue Sep 13, 2011 2:14 am ] |
| Post subject: | Re: Insurance and modifications |
You can attempt to negotiate on an agreed value (replacement value) but generally your premium will be sky high making it a worthless exercise on something as generic as a zook. ie: Replacement value for my sierra is around $20k. The maximum agreed value I could get was $11k for a cost of $3k/year, and that was if I removed the supercharger only. This is an engineered vehicle. |
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| Author: | squibby [ Tue Sep 13, 2011 2:17 am ] |
| Post subject: | Re: Insurance and modifications |
matt91112011 wrote: Hi guys,
I want to insure my vehicle to a much higher value. But will they insure my car without and engineers certificate? Matty YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. |
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| Author: | mnemonix [ Tue Sep 13, 2011 2:22 am ] |
| Post subject: | Re: Insurance and modifications |
squibby wrote: YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. You sir, are an idiot. |
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| Author: | Microwire [ Tue Sep 13, 2011 2:37 am ] |
| Post subject: | Re: Insurance and modifications |
Just keep it in mind that when you are paying your premium you might end up paying a stupid amount per yaer in which if you just put that money in the bank you could replace all those bits. ie, to full comprehensive mine it was going to be about $3000 per year which is pretty dumb considdering I only paid $3k for it and haven't spent much on it apart from time. |
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| Author: | Fatzook [ Tue Sep 13, 2011 2:46 am ] |
| Post subject: | Re: Insurance and modifications |
mnemonix wrote: squibby wrote: YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. You sir, are an idiot. X2. Knob chomper! To legally hold an Engineering certificate, your vehicle must be maintained in a RWC condition; as it was when inspected for said eng cert. You as the owner/ operator have a duty of care to ensure that your vehicle is safe to be driven. Insurance companies rutinely knock back claims for things like bald tires, poorly maintained brakes etc. Illegal mods is one of their biggest scape goats of all time. So any insurance company that is willing to insure the above vehicle, will do so only after requesting to see the relevant mod plates and paperwork denoting their compliance with the law. |
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| Author: | matt91112011 [ Tue Sep 13, 2011 2:50 am ] |
| Post subject: | Re: Insurance and modifications |
Hmm...how hard is it to get a mod plate for my gear in Vic? I know the cars safe. Cheers |
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| Author: | Fatzook [ Tue Sep 13, 2011 2:52 am ] |
| Post subject: | Re: Insurance and modifications |
matt91112011 wrote: Hmm...how hard is it to get a mod plate for my gear in Vic? I know the cars safe.
Cheers Call Vic roads and get hold of one of their approved engineers. They will tell you what can and can't be done legally. |
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| Author: | matt91112011 [ Tue Sep 13, 2011 4:09 am ] |
| Post subject: | Re: Insurance and modifications |
Cheers |
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| Author: | lump_a_charcoal [ Tue Sep 13, 2011 6:21 am ] |
| Post subject: | Re: Insurance and modifications |
squibby wrote: matt91112011 wrote: Hi guys, I want to insure my vehicle to a much higher value. But will they insure my car without and engineers certificate? Matty YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. Wow - Dumbest thing I have heard in a long time, aside from shanej. You realise that if you insurer finds out your car is defective, they can cancel your insurance, or reject a claim? Think, then post, in that order. |
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| Author: | remydog05 [ Tue Sep 13, 2011 6:49 am ] |
| Post subject: | Re: Insurance and modifications |
Hey mat, Do a search in google for Vicroad approved engineers. Call a few and talk to them about what you have and what they will approve. Dont hide the truth, tell them exactly what you've got otherwise you will run into trouble when the paperwork is done. General rule I have found in Vic is most engineers will not touch anything over 4inchs of total lift. EG Body, Spring, Tyre. But as said you need to speak to them and get someone who will work with you. Also make sure you ask the same questions to each as you will get different answers if you don't speak the same scenario to them. |
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| Author: | tonyevans [ Tue Sep 13, 2011 6:56 am ] |
| Post subject: | Re: Insurance and modifications |
mnemonix wrote: squibby wrote: YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. You sir, are an idiot. No he is not - That statement is to stupid to be made by a simple idiot 
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| Author: | stocker [ Tue Sep 13, 2011 7:45 am ] |
| Post subject: | Re: Insurance and modifications |
tonyevans wrote: mnemonix wrote: squibby wrote: YES. Whether the vehicle is road worthy or not does not concern insurance. You have to declare the modifications to be insured for them. The wheels can be ready to fall off, you're still insured, end of. You sir, are an idiot. No he is not - That statement is to stupid to be made by a simple idiot omfg... i almost had heart failure... here i was thinking someone defending him??? and then POW Right in the kisser |
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| Author: | matt91112011 [ Tue Sep 13, 2011 8:09 am ] |
| Post subject: | Re: Insurance and modifications |
remydog05 wrote: Hey mat,
Do a search in google for Vicroad approved engineers. Call a few and talk to them about what you have and what they will approve. Dont hide the truth, tell them exactly what you've got otherwise you will run into trouble when the paperwork is done. General rule I have found in Vic is most engineers will not touch anything over 4inchs of total lift. EG Body, Spring, Tyre. But as said you need to speak to them and get someone who will work with you. Also make sure you ask the same questions to each as you will get different answers if you don't speak the same scenario to them. I've got like 6-7" of lift including tyres, hmm... this could be a problem |
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| Author: | stocker [ Tue Sep 13, 2011 8:11 am ] |
| Post subject: | Re: Insurance and modifications |
If its built right, and still conforms to ADR's theres no reason why 6-7inches of lift couldn't be approved.... but i highly doubt that yours conforms to ADR's 
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