[djpro1]

For those who have modded cars, what do you tell your insurance companies and what do you hide?

Having exposed DCIs are defects (therefore I guess insurance can blame the extra power and void the insurance claim?)

Having a JB4 is also illegal from what I've read

How do you get around this from an insurance point of view?

[TrAcK TRaP]

you don't have to explain anything unless you wanna pay extra $'s..

[Testercles]

I asked my insurer (Just Car) and they said as long as the modifications are road legal then the only thing it will change is increasing the agreed value by the value of the modification.

[waterbottle1]

i thought you have to tell em everything, orelse your whole insurance can be voided when you have an accident.
possible they wont pay out your car.

aami is cheap. + covers all mods i have. and not that bad at all in price.
i got a feeling my recent muffler delete is gonna void it. lol

[fo55il]

intake legal?

[totti84]

shannons or enthusiast insurance cover all mods, and agreed value if you're willing to pay a higher annual premium

[7smurfs]

Intake is legal - I believe there is a one air related mod rule.

So if you do intake, you're not supposed to do intercooler from my understanding..

[fo55il]

pods have to be covered / enclosed. and i heard that u cant have both .... would be good to get clarification.

i think diff in diff states too

[7smurfs]

Originally Posted by fo55il

pods have to be covered / enclosed. and i heard that u cant have both .... would be good to get clarification.

i think diff in diff states too

Yeah definitely differs from states.

In VIC, the cops have no right to defect any car with a pod filter so long as it is secured AND if your car is in accordance to the "one intake mod" rule whether it is enclosed or not.

Also from EPA site:
"Dry element pod type air cleaners are
permitted on EFI vehicles. Oiled, oil-soaked or
fluid-treated elements are not permitted. Any
sensors integral to the original system must be
retrofitted to the same approximate location."

[Socket]

Has anyone actually had any experience making an insurance claim on their modded car

[MJ80.]

Um no i dont think its quite as simple as your policy can be voided simply because you have a muffler delete... AFAIK they would have to prove that modification was the reason or a contributing factor in the accident that resulted in you being at fault, if you were even at fault...

[harms]

All my policy says is that it needs to be in a road worthy condition.

[djpro1]

spoke with aami and all good. no need to declare mods unless it changes the value of your car.

if you have roll cages then they won't insure you since it's for racing etc..

[froop]

Originally Posted by djpro1

spoke with aami and all good. no need to declare mods unless it changes the value of your car.

if you have roll cages then they won't insure you since it's for racing etc..

Unless you're with NRMA, as they don't mention anything in their PDS about not allowing specific mods. I know that GIO specifies they cover all mods except roll cages and a couple other things but NRMA just states they cover all mods, period. FYI, 4 point cages in sedans/coupes can be road legal as can 6 point cages in wagons, but they need to be engineered.

[Scotty89]

They might not mention mods in the policy, but they do require the car is legal and roadworthy.

That basically means no mods. Maybe some wheels, but nothing else.

[Socket]

What about Meth??

I can see the claim form now....

Dear Insurance Company,
I just toasted my ride. can I have another one?