Originally Posted by
hondar
i get my car insured with GIO. i told them i have certain things like lowered sussy etc. but as more mods added, like wheels etc, the premium increases, so i decided to insure them as if they were stock
it doesnt mean that i cannot claim on the insurance if something happen. i just dont insure the extra stuff. it just makes the insurance cheaper but i still covered if somone hit me or i hit someone.
my civic on the other hand is different. i only covered to third party only ie i hit someone, insurance pay for the other car and i pay my own repair
cos of insurance of my civic and cu2 is the same. but my civic is old car. so it is not worth it and better of putting the saving on comprehensive for my own repair.
in both instance i still use insurance but just minimise the cost. different level and different strategy.
as i mention this strategy may not work for all people depending on your own factor, element of risk etc and i am a very careful driver.