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Comprehensive car insurance

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Goldnomad

Joined: Thu Mar 12, 2009 10:30 pm
Posts: 93
Location: Dunolly, Vic

Posted: Wed Feb 26, 2014 5:38 pm

Has anyone found an insurance company that will comprehensively insure their vehicle when it has a set of extractors fitted to it?
My Vitara is stock standard apart from the extractors.
Do you reckon I can insure it? Nope!!!

Any suggestions will be appreciated (but I don't want to pay a gazillion dollars for it)

Robert

henno

I live here!

Joined: Tue Jul 23, 2013 5:56 pm
Posts: 2439
Location: Brisbane
Vehicle: Which one?

Posted: Wed Feb 26, 2014 5:42 pm

"Extractors" is a stupid term anyway. Don't even mention it or at least just call them a "replacement exhaust manifold" or some such. No assessor will ever pull you up on it and if they do tell them the custom manifold cracked and that was the off-the-shelf option the exhaust shop gave you.

I hate the word "extractors"; they don't extract a damn thing.

henno

I live here!

Joined: Tue Jul 23, 2013 5:56 pm
Posts: 2439
Location: Brisbane
Vehicle: Which one?

Posted: Wed Feb 26, 2014 5:44 pm

FYI my GV technically has "extractors" and I'll say two things about them:

1. They don't do a damn thing for performance in real life.
2. My insurance company couldn't care less (currently going through a claim).

greenzook89

az supporter

Joined: Sun Sep 06, 2009 11:30 pm
Posts: 2591
Location: Ipswich
Vehicle: LJ80V-II, SJ40, SJ40T, RS415

Posted: Wed Feb 26, 2014 8:41 pm

Dont most insuros term that as an "exhaust modification"?

johnmath

Joined: Mon Jan 30, 2012 12:49 pm
Posts: 161
Location: Parkside
Vehicle: Suzuki/Sierra/1988 SJ50 HiTop

Posted: Wed Feb 26, 2014 8:44 pm

Goldnomad wrote:

Just Car Insurance. http://www.justcarinsurance.com.au

Was about ⅓ of the price of Lumley Special Vehicles for my Suzuki Cappuccino ($800 bucks is a big difference!).

1DYX

Joined: Mon Jan 14, 2013 2:48 pm
Posts: 435
Location: Eastern Suburbs WA
Vehicle: 1997 Sierra SJ80

Posted: Wed Feb 26, 2014 9:50 pm

Just tell the insurance mob that they can deduct the cost of the headers, if the car is ever written off.

Do they require a permit to install? If yes, then you may HAVE to tell them.

Otherwise, as said above, don't tell em.

Goldnomad

Joined: Thu Mar 12, 2009 10:30 pm
Posts: 93
Location: Dunolly, Vic

Posted: Fri Feb 28, 2014 7:43 am

Many thanks for your help folks.

Robert

petes 80

Joined: Sat Feb 08, 2014 8:28 pm
Posts: 95
Location: Morayfield, Qld
Vehicle: Suzuki Jimny 2003

Posted: Mon Mar 03, 2014 10:36 am

I am insured with Shannon's for both my 4x4's and the sierra is listed as aftermarket exhaust including extractors with no problems at all. Mine are both for agreed value and I have never had a problem even with my modified 80 series, cheers Pete

Veilsd

Joined: Wed Mar 05, 2014 7:35 pm
Posts: 6
Vehicle: Vitara SE416

Posted: Wed Mar 05, 2014 7:39 pm

I am also covered with Shannons and the only thing they said was "is it worth over $5,000?". That is their lowest comprehensive amount they will cover for.

They also cover me on another car with over $7,000 of performance modifications.

Bugsta

Joined: Fri Oct 30, 2009 10:30 pm
Posts: 1754
Location: North Brisbane

Posted: Tue Mar 11, 2014 11:27 pm

I am with RACQ. Got insurance no problem and no issues when it came to collecting.

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