Aftermarket parts and insurance companies
#12
Over 8 years ago when i had my civic which was modded (nothing to the engine) but a muffler, rims, intake.... the usual stuff... Brought the car for inspection... they cancelled my policy. Now i just leave my car as stock as possible
#13
The only things i can see them not covering you over is an engine swap... i mean even david_t 's car... so what he has an aftermarket hood, front bumper etc... 'maybe he couldnt afford to put oem stuff and all he had lying around was aftermarket parts.'
#14
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There's a couple ways to go about this.
1) Find an insurer who doesn't care. (Rare... basically forget any of the big names)
2) Get the car appraised by an official appraiser and get it insured as a hotrod.
3) Go to Facility Insurance (they cover high risk (bad drivers, modded cars but it costs at least twice regular insurance)
4) Go back to stock.
5) Don't report it. Cross you fingers. Hope to hell you don't kill someone. Covering a theft is much different than covering a liability claim. I think their may be laws that force the insurer to cover a liability claim, but I could be thinking of US states and not Canada/Ontario.
Try calling an insurance broker, not a "brokerage" that only covers 1 insurance company and it's siblings (there's A LOT of these out there.. fronts for the big insurance company masquerading as a broker with your best interests in mind).
1) Find an insurer who doesn't care. (Rare... basically forget any of the big names)
2) Get the car appraised by an official appraiser and get it insured as a hotrod.
3) Go to Facility Insurance (they cover high risk (bad drivers, modded cars but it costs at least twice regular insurance)
4) Go back to stock.
5) Don't report it. Cross you fingers. Hope to hell you don't kill someone. Covering a theft is much different than covering a liability claim. I think their may be laws that force the insurer to cover a liability claim, but I could be thinking of US states and not Canada/Ontario.
Try calling an insurance broker, not a "brokerage" that only covers 1 insurance company and it's siblings (there's A LOT of these out there.. fronts for the big insurance company masquerading as a broker with your best interests in mind).
#15
Originally Posted by CLEANs2000,Mar 26 2010, 11:30 AM
there is no way that they wont cover you unless your modifications are sooooo extensive. I mean you could play stupid and say i bought the car like this... i got it e-tested and certified like this and was never told that the rims were aftermarket or that my wing didnt come stock on this car. I highly doubt they can deny you. If somthing happens god for bid... play stupid
But getting you policy cancelled is like pure cash to the insruance companies and cancer to yourself.
They will cancel for anything man!
Be REALLY careful man!
Insurance is a scam anyways but it's an even bigger when they f' you in the ass by cancelling your policy.
#16
Originally Posted by hyoseke,Mar 26 2010, 11:37 AM
Do you know if they allow it though? TD told me if I don't report it and I make a claim, they will deny it 100% because I have aftermarket parts (with some exceptions).
#17
My last fun car was a 00 SIR and man the insurance company was all over my ass to get it inspected and theatend to drop my coverage.
When I insured the S2K they did'nt ask for anything
When I insured the S2K they did'nt ask for anything
#18
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Originally Posted by gotti78,Mar 30 2010, 12:37 PM
My last fun car was a 00 SIR and man the insurance company was all over my ass to get it inspected and theatend to drop my coverage.
When I insured the S2K they did'nt ask for anything
When I insured the S2K they did'nt ask for anything
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