Insurance And Mods

[Buf-Phoon]

I have been with AAMI for 6 years all mods listed. 2 Claims, one stack and one for hail damage on 2 separate cars. Couldn't fault the service or repairs.

For a big corporate company best in class all round

[gu4800]

Another for AAMI (although I don't have the car anymore).

I had injectors, exhaust, intercooler, airbox and tune - all listed, and no problems. No increase in premium either.

Funny thing, they had an XR6, XR6T and Territory all at the SAME premium. I know because I went from a Territory to the XR6T and the premium didn't change, so I looked at a N/A XR6 and it was also the same (online quote system).

Cheers

Dan

[Harey]

Has anyone actually been paid out even if they tell their insurance company of mods like injectors etc?

I thought all insurance companies had the underlying thing that it must be legal, therefore it doesnt matter what you tell them. Changing injectors for example is not legal unless you go to the trouble of emission testing and getting an engineers certificate etc.

Edited 30/09/09 02:48 AM by Harey

[SilverG6ET]

Just adding to what everyone has said, if you do any mods and tell your insurance company and they say "yes, fine no problems" then get that put IN WRITING in an addendum to your insurance policy. That way in the event of the unthinkable happening, they cannot back out of an accident/total loss claim.

It's all okay for an insurance CS person to say "it'll be fine" over the phone, but if it were me, I'd be insisting it be put into writing.

I might sound extreme, but I previously worked in the insurance investigation game and I know EXACTLY what some insurers will do when the crunch comes.

[roadster]

I listed Intercooler and Injectors on my AAMI policy no increase, But I too would get comfort in hearing other people who have claimed with mods.

[jacob_xr6turbo]

The insurance company wont be able to detect the car has been tuned..

They can see external mods such as lowering/intercooler/etc. As long as they're fine with the external mods, no need to tell them its making any extra power.

[Harey]

But its not legal to fit a bigger intercooler is it? (without getting an engineers cert) I mean at least for vic/nsw/sa it isnt. qld you can do whatever you want haha

I am sure the insurance people would have someone that knows cars to inspect them.

[jacob_xr6turbo]

you're allowed one modification to the intake system of your car. so a bigger intercooler on its own should be fine I think? if you add piping, blow off valve, etc, then it gets illegal ?

someone care to confirm?

[PHANTMXR6]

One could argue that an intercooler 'kit' was a single upgrade.

eg. the kit meaning from the airfilter (including its housing) to the turbo, hot side piping, intercooler, cold side piping and inlet manifold.

Worth a try.....

[PJDXR6t]

racv has all changed your allowed mods as long as they are legal you dont have to tell them your mods whereas in the old days u did and it costed more they said u have to ask vic roads for what is legal or not and as long as they are legal everything is sweet