Honda Enthusiast
22-08-2006, 04:52 PM
Hi everyone!
Please note that I have opened up this thread not to continue arguments but I feel it's good for everyone to share their experiences etc when it comes to conducting mods and then coming to terms with their insurances.
I am not saying I am an insurance guru, the wise etc...but am happy to help where I can and am also happy to learn from everyone else too!
Regards,
Sky
bro - if d insurance company dun cover em - eg in yo contract - i dun think they gon replace em - + if they find out they wont cover u at all - YES?
Correct.
But one more point worth noting...
It's called contributory-loss situation...
Just say if you did a mod that the insurance company won't cover... it doesn't necessarily mean they'll continue covering you excluding that mod in the time of loss... depends on the mod... and I stress very heavily... DEPENDING on the mod... if it's approved but they won't cover it in the time of loss, e.g. bottom neons (I'm just saying IF)...then yes, they'll still insure you excluding such a mod...
However, if you do a mod like a engine change that they do not approve off for some reason - then they can turn around and say something like - "due to the implementation of the engine replacement and as per the guidelines outlined in your duty of disclosure upon taking this insurance policy etc... this modification has contributed to the lack of, the loss of etc to your vehicle therefore causing this accident to occur...therefore you are not covered by us etc..." So yeah, I would definitely ring up and check first before modding your car... lowering it too much can also cause them to decline your insurance... I am talk about by-the-book shyte here!
All the other under the table bullshyte... I'll leave it up to others to show you how to dodge them or file a false claim....
SKY
Please note that I have opened up this thread not to continue arguments but I feel it's good for everyone to share their experiences etc when it comes to conducting mods and then coming to terms with their insurances.
I am not saying I am an insurance guru, the wise etc...but am happy to help where I can and am also happy to learn from everyone else too!
Regards,
Sky
bro - if d insurance company dun cover em - eg in yo contract - i dun think they gon replace em - + if they find out they wont cover u at all - YES?
Correct.
But one more point worth noting...
It's called contributory-loss situation...
Just say if you did a mod that the insurance company won't cover... it doesn't necessarily mean they'll continue covering you excluding that mod in the time of loss... depends on the mod... and I stress very heavily... DEPENDING on the mod... if it's approved but they won't cover it in the time of loss, e.g. bottom neons (I'm just saying IF)...then yes, they'll still insure you excluding such a mod...
However, if you do a mod like a engine change that they do not approve off for some reason - then they can turn around and say something like - "due to the implementation of the engine replacement and as per the guidelines outlined in your duty of disclosure upon taking this insurance policy etc... this modification has contributed to the lack of, the loss of etc to your vehicle therefore causing this accident to occur...therefore you are not covered by us etc..." So yeah, I would definitely ring up and check first before modding your car... lowering it too much can also cause them to decline your insurance... I am talk about by-the-book shyte here!
All the other under the table bullshyte... I'll leave it up to others to show you how to dodge them or file a false claim....
SKY