![]() |
|
![]() |
#1 | ||
Starter Motor
Join Date: Jan 2010
Location: brisbane
Posts: 5
|
Hey guys,
I was wondering if anyone knew what mods would void insurance? lowering exhausts etc, Cheers, Luke. P.S. I'm new to this forum not quite sure if I'm in the right place???????? |
||
![]() |
![]() ![]() |
![]() |
#2 | ||
FF.Com.Au Hardcore
Join Date: Jun 2009
Location: Melbourne
Posts: 1,584
|
Best to call your insurance company. Each and every one has their own set of rules in their PDS regarding modified vehicles
__________________
BAII XR6 in SHOCKWAVE 5SP Manual | Sports Leather Seats | Premium Sound | Dual Zone Climate Control | Sunroof | Reverse Sensors | 18" XR8 Wheels | XR6T Exhaust | Lowered | XR6T Intake | GT Steering Wheel AUIII XR8 in NAROOMA BLUE Info to come soon! |
||
![]() |
![]() ![]() |
![]() |
#3 | ||
Starter Motor
Join Date: Jan 2010
Location: brisbane
Posts: 5
|
cheers mate! will do.
|
||
![]() |
![]() ![]() |
![]() |
#4 | ||
XA GT
Join Date: Feb 2007
Posts: 2,128
|
I'd suggest they can void you on any mod you haven't told them about prior to an accident or theft.
__________________
--------------------------------------------------- XA GT, 6.848sec 1/8 mile @ 101.68mph |
||
![]() |
![]() ![]() |
![]() |
#5 | ||
FF.Com.Au Hardcore
Join Date: Feb 2007
Posts: 606
|
I spoke with nrma about this not long ago. I was told as long as its road legal they dont care, i.e. engineers certs if required
__________________
9/98 AU1 XR6hp-about to retire from the road and be reborn on the race track. 86 ZL mint grandpa spec with premo sound and 150000km 07 TTG XForce, PLAZMAMAN, IDYNO TUNED, 349KW@all 4! 97 el futura MOCKed up with a 2500 stall, heaps of fun! |
||
![]() |
![]() ![]() |
![]() |
#6 | ||
Starter Motor
Join Date: Jan 2010
Location: brisbane
Posts: 5
|
cheers
|
||
![]() |
![]() ![]() |
![]() |
#7 | ||
Moderator
![]() ![]() Join Date: Jun 2006
Location: Foothills of the Macedon Ranges
Posts: 18,545
|
Generally any mods not stated on your policy statement can be a cause for your insurance to become void. When a mod is done and the insurance company is notified, they normally send out a new statement with the amendments included.
Its best to ask the insurance company before doing the mod, so you then know the implications beforehand. |
||
![]() |
![]() ![]() |
![]() |
#8 | ||
Regular Member
Join Date: Apr 2005
Location: Queensland
Posts: 32
|
firstly the modification has to be legal. secondly depends on your company. some don't like any mods. some will allow basic mods, others will charge an extra excess for each mod and decline insurance if you excess reaches a certain point. only way to know is to call them and ask.
|
||
![]() |
![]() ![]() |
![]() |
#9 | |||
Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
|
Quote:
If you make a significant modification to your vehicle and do not inform your insurance company than they can and most likely will void your policy should you need to make a claim. If you want to modify your car then it's best to call up your insurance company and inform them of what you want to do. Some insurance companies may say go ahead as long as your modification is legal, whereas others may say yes, but this is how much more it's going to cost you... You may even get the odd, NO. Never going to happen. Call them and take it from there. On a side note I know of a guy who put a cannon style exhaust tip on the back of his car without informing his insurance company. When he needed to make a claim after getting into a bingle they told him nope, no dice. |
|||
![]() |
![]() ![]() |
![]() |
#10 | ||
Ford Fiesta
Join Date: Sep 2009
Location: Melbourne
Posts: 235
|
Depends entirely on the company, as others have said. You get both extremes (unlimited mods allowed vs no mods at all).
|
||
![]() |
![]() ![]() |
![]() |
#11 | ||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
|
Read your PDS.
You should have by now anyway!
__________________
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
|
||
![]() |
![]() ![]() |
![]() |
#12 | |||
FF.Com.Au Hardcore
Join Date: Feb 2008
Posts: 2,312
|
Quote:
__________________
My ride: 2007 Falcon Ute BF XR8 Orange, MTO. |
|||
![]() |
![]() ![]() |
![]() |
#13 | |||
The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
|
Quote:
Firstly an insurer can not cancel/void a claim if a modification didn't contribute to the incident. Secondly, as with most insurers you only need to update you policy with mods at renewal only. Thirdly, I'd be surprised if a 'cannon exhaust' would be reason to deny insurence or a claim. Finally, What's ya mate doing fitting a cannon tip in the first place? :P
__________________
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
|
|||
![]() |
![]() ![]() |
![]() |
#14 | |||
Browsing here and there..
Join Date: Aug 2009
Location: Melbourne, Victoria
Posts: 2,075
|
Quote:
But on the other hand before I got my exhaust done I called up my own insurance company and the phone call went something like this: Me: Will an exhaust modification void my current policy? Insurance rep: Yes. Me: What about an exhaust tip? Insurance rep: Depends on the size of the tip, a cannon tip is a performance upgrade and will void your policy. So it wouldn't suprise me if he was telling me the truth, but I may be wrong. |
|||
![]() |
![]() ![]() |
![]() |
#15 | ||
Regular Member
Join Date: Apr 2005
Location: Queensland
Posts: 32
|
At the end of the day it will come down to your insurer. If you haven't listed a mod you are really leaving it in their hands to decline cover or pay a claim. If they don't like mods to begin with you will most likely be in trouble. If you have an accident and the mod was legal and didn't contribute to the claim, you may still be provided cover, but not for the modified parts Some companies are better than others, so choose wisely and don't always pick the cheapest out there.
|
||
![]() |
![]() ![]() |