OUR VIDEOS GALLERY MEMBER SPONSORSHIP VENDOR SPONSORSHIP

User Tag List

Page 1 of 2 12 LastLast
Results 1 to 10 of 11

Thread: mods on an insured vehicle

  1. #1
    Advanced sussgq's Avatar
    Join Date
    Dec 2020
    Location
    Yarra Valley
    Posts
    34
    Thanks
    0
    Thanked 20 Times in 14 Posts
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)

    mods on an insured vehicle

    G’day legends, so the age old dabble of having mods on our daily’s interfering with insurance. yes, i know the first thought is to get rid of them, or get engineering, but that’s not what i’m asking.

    who has actually had a stack, either at fault or not and had troubles getting a claim back for things like 35’s, lift, no muffler etc? i’ve heard most people will truck the car home, and change stuff over before insurance inspect it to write off (if that’s the case)

    am i correct in understanding that anything deemed ‘unroadworthy’, even such as a chipped windscreen, broken headlight, pillar pod, small things like that, also technically void insurance coverage?

    any input is greatly appreciated

  2. The Following User Says Thank You to sussgq For This Useful Post:

    MB (2nd June 2021)

  3. # ADS
    Circuit advertisement
    Join Date
    Always
    Location
    Advertising world
    Posts
    Many

     

  4. #2
    The master farter
    mudski's Avatar
    Join Date
    Apr 2012
    Location
    Eltham North
    Posts
    14,335
    Thanks
    7,358
    Thanked 9,416 Times in 5,642 Posts
    Mentioned
    392 Post(s)
    Tagged
    0 Thread(s)
    Those would be questions to ask your insurer, not us. I have every mod listed on my policy, except for the last being a Hi mount winch and new rear bar, but they will be notified soon with photos. As for having a chipped windscreen or broken tail light, again, ask your insurer about these as I am almost 100% certain, the answer will vary between insurance companies.

  5. The Following User Says Thank You to mudski For This Useful Post:

    MB (2nd June 2021)

  6. #3
    ......... MB's Avatar
    Join Date
    Nov 2015
    Location
    Yarra Valley
    Posts
    7,032
    Thanks
    17,938
    Thanked 8,973 Times in 3,994 Posts
    Mentioned
    396 Post(s)
    Tagged
    0 Thread(s)
    I believe we hopefully understand your BOLD question SSGQ Mate
    ADR’s (Australian Design Rulers :-) state very specific do’s and don’t’s so it is what is legislated....legal....hard to argue in court versus many other industries that are standardised but not legislated if that makes sense?
    (‘Should’ versus ‘Shall’ in unlegistaled spelling check please :-)


    Sent from my iPhone using Tapatalk

  7. #4
    Patrol God mudnut's Avatar
    Join Date
    Aug 2012
    Location
    SW Vic.
    Posts
    6,892
    Thanks
    9,010
    Thanked 4,488 Times in 2,740 Posts
    Mentioned
    73 Post(s)
    Tagged
    1 Thread(s)
    Years ago, I stacked my XW Fairmont, and got a call from the assessor saying the claim would be denied, because the vehicle had extractors fitted. I told him that I had listed them as a mod. I heard the bastard swear under his breath, before saying "Fine, the claim is excepted."

    As mudski posted. Make sure everything is listed, to be absolutely sure you are covered. Keeping the vehicle roadworthy is just an expense we have to pay.

  8. #5
    Advanced sussgq's Avatar
    Join Date
    Dec 2020
    Location
    Yarra Valley
    Posts
    34
    Thanks
    0
    Thanked 20 Times in 14 Posts
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    this is a very good point Mudski. i’ve got everything listed on my policy, lift turbo piping etc all the fruit, but i’ve heard lots of bad feedback from people saying insurers will deny claims if you’ve got 35s or such on the car at the time they inspect it. although i was in a serious accident with all the work boys in our bosses car, he had 35s on the 79 dually and insurance didn’t question it all. obviously he wasn’t at fault but still

  9. #6
    Advanced sussgq's Avatar
    Join Date
    Dec 2020
    Location
    Yarra Valley
    Posts
    34
    Thanks
    0
    Thanked 20 Times in 14 Posts
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by MB View Post
    I believe we hopefully understand your BOLD question SSGQ Mate
    ADR’s (Australian Design Rulers :-) state very specific do’s and don’t’s so it is what is legislated....legal....hard to argue in court versus many other industries that are standardised but not legislated if that makes sense?
    (‘Should’ versus ‘Shall’ in unlegistaled spelling check please :-)


    Sent from my iPhone using Tapatalk
    i might ring up as a customer ‘looking to buy a car and enquiring about insurance’, question the whole big tyres/illegal mods situation and see what they have to say.

  10. #7
    Advanced sussgq's Avatar
    Join Date
    Dec 2020
    Location
    Yarra Valley
    Posts
    34
    Thanks
    0
    Thanked 20 Times in 14 Posts
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by mudnut View Post
    Years ago, I stacked my XW Fairmont, and got a call from the assessor saying the claim would be denied, because the vehicle had extractors fitted. I told him that I had listed them as a mod. I heard the bastard swear under his breath, before saying "Fine, the claim is excepted."

    As mudski posted. Make sure everything is listed, to be absolutely sure you are covered. Keeping the vehicle roadworthy is just an expense we have to pay.
    lucky save there! haha

    i do have everything that’s done to my car listed on my policy, but obviously the 35’s & a 3” straight through make it not roadworthy. i have heard lots of people say to deny your claim they’ve got to prove the illegal mods were the cause of the accident, but they way i see that is they’ll just make any excuse to make them the cause, because that saves them money

  11. #8
    The master farter
    mudski's Avatar
    Join Date
    Apr 2012
    Location
    Eltham North
    Posts
    14,335
    Thanks
    7,358
    Thanked 9,416 Times in 5,642 Posts
    Mentioned
    392 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by sussgq View Post
    this is a very good point Mudski. i’ve got everything listed on my policy, lift turbo piping etc all the fruit, but i’ve heard lots of bad feedback from people saying insurers will deny claims if you’ve got 35s or such on the car at the time they inspect it. although i was in a serious accident with all the work boys in our bosses car, he had 35s on the 79 dually and insurance didn’t question it all. obviously he wasn’t at fault but still
    What I was told by my insurer was they cannot deny a claim if a particular mod was in no way an influence on the accident. I.E your illegal 35's and someone ran into the back of you. But you run into the back of someone I could see them denying your claim because of the 35's hampering your stopping power.

  12. #9
    Travelling Podologist Cuppa's Avatar
    Join Date
    Jan 2011
    Location
    Ballarat, Vic
    Posts
    6,475
    Thanks
    1,891
    Thanked 6,764 Times in 2,811 Posts
    Mentioned
    153 Post(s)
    Tagged
    0 Thread(s)
    If something on your car is not legal,insurers wont always automatically deny your claim, but the onus of proof that the illegal mod did not contribute to the accident is on you, & that could cost you more than what you are claiming. (eg.expert testimony etc).

    2006 4.2TDi ex-Telstra Remote area Camper. 425w roof mounted solar, 360Ah Aux batts, BCDC1240, Onboard hot & cold pressurised & filtered water, (25 litre hot water calorifier), ARB fridge, ARB freezer, Built in kitchen, heaps of easy access storage, 240v, 3” Genie exhaust + dynotune, 2” lift, Lovells GVM upgrade, second glovebox, ROH Blaktrak steel wheels, Bridgestone D697's (now Toyo RT's), Redarc gauges/pillarpod, Hema HX-1, Icom 450 CB, dual rear view cameras, Onboard 30amp Victron mains charger, second glovebox, dual seat conversion, Tyredog TPMS, Boss PX7 onboard air with 9 litre tank, 350w inverter, Steel bullbar, Harrop Eaton diff lock (front), Warn winch, Snorkel, Dual spares , 160 litre water tank, 180 litre fuel in two tanks (approx 1200km range) 2010 Tvan Tanami. (incl another 70 litre water tank) with matching wheels/tyres (& 3rd spare)
    A Nomadic Life The Big Trip Blog

  13. #10
    Advanced sussgq's Avatar
    Join Date
    Dec 2020
    Location
    Yarra Valley
    Posts
    34
    Thanks
    0
    Thanked 20 Times in 14 Posts
    Mentioned
    1 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by mudski View Post
    What I was told by my insurer was they cannot deny a claim if a particular mod was in no way an influence on the accident. I.E your illegal 35's and someone ran into the back of you. But you run into the back of someone I could see them denying your claim because of the 35's hampering your stopping power.
    this is exactly what i was thinking, i’m so cautious now when driving after being in two accidents i was lucky to survive (both not my fault, one was a roll over in my old hilux), hopefully it’s something i won’t ever have to deal with. touch wood

    cheers for the input legends

Page 1 of 2 12 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •