What does insurance think of CAI?

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Originally Posted by Ferrarista

Insurance company is not the problem here, its the RTA.

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Ahhh the thread title is "What does Insurance company think of CAI" not what does RTA think of it. NGUPIL and I only offered an alternative based on the thread title I think an apology is in order and yes I am being a prima donna.

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Originally Posted by Peekay34

Ahhh the thread title is "What does Insurance company think of CAI" not what does RTA think of it.

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The problem is there is a link. The insurance companies I have spoken to about modifications usually say I can have "x" or "unlimited" modifications as long as it is "legal". When you tell them what the mods are - they always seem to assume it is legal. Call centre insurance chick: "sorry, can you spell nitrous kit for me?" :D Just kidding - but you know what I mean.

If you later have an accident - the assessor might say X mod is illegal. That gives them a way out of the indemnity. I am not saying they will not pay the claim - it is just a way out if they want to be difficult.

I agree yfin but did u read my post I was responding to Ferrarista who was saying this was not about insurance.

The RTA does not pay out on your car if you have an accident insurance companys do. And if the accident is not one where some one who has been killed or has suffered major injuries the RTA (or the appropriate state authority) probably would never care. It only becomes a problem when you get your car inspected for road worthiness which in places like Victoria only happens when you sell your car or if the Police inspect your vehicle and canary it.

Yes the legality of POD filters is an issue but only if they are put in to a position where they leak oil onto the road or are a fire risk.

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Originally Posted by Peekay34

Ahhh the thread title is "What does Insurance company think of CAI" not what does RTA think of it. NGUPIL and I only offered an alternative based on the thread title I think an apology is in order and yes I am being a prima donna.

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I just bumped this thread, i used the search function because i was wondering the same thing then the RTA came into it :)

Well said Peekay.

Ferrarista - the bottom line is it is up to you. Get your car engineered if you are worried. The other thing is I read you are a rep so you must be doing a lot of kms in the Euro. So it is important to keep in mind that all CAIs are louder than stock - esp above 4000rpm - when I say loud I am not saying this lightly. Think 3 year old with pots and pans banging them together. It is loud. The Icebox or Mugen intake is a good alternative if you want to keep relatively stock sound and look - you just will not get the same top end gain. Pros and cons with each - for someone spending all day in their car probably making lots of phone calls etc - I would go the Icebox / Mugen style as it is less intrusive.

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Originally Posted by yfin

Well said Peekay.

Ferrarista - the bottom line is it is up to you. Get your car engineered if you are worried. The other thing is I read you are a rep so you must be doing a lot of kms in the Euro. So it is important to keep in mind that all CAIs are louder than stock - esp above 4000rpm - when I say loud I am not saying this lightly. Think 3 year old with pots and pans banging them together. It is loud. The Icebox or Mugen intake is a good alternative if you want to keep relatively stock sound and look - you just will not get the same top end gain. Pros and cons with each - for someone spending all day in their car probably making lots of phone calls etc - I would go the Icebox / Mugen style as it is less intrusive.

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Interesting you say that, its a good point.

What about just putting a K&N replacement filter in? Any opinion on that?

K&N replacement filter, in terms of performance gain, is very minimal. you'll hardly feel it compared to if you use CAI.
Having said that, you may want to try the ITG air filter, which Peekay would definitely back up and yfin has only good things to say about it as well. But again, I don't know if it'll make much difference with stock airbox setup.

I think they will pick anything that is none standard and you must get permit :) just my2cents

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Originally Posted by aDe

I think they will pick anything that is none standard and you must get permit :) just my2cents

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Sorry but that is not true. Panel filters made to fit exisiting airboxes are completely legal as long as they are not exposed and are fully encased so they cannot leak oil on to the road and do not alter emmisions beyond ADR rulings. But unless someone is chasing you with an emmisions probe from EPA.... well I think you get the picture.

donot worry about insurance companies if u are into modes

Based on the discussions that i've read, i can only make 2 suggestions for you Ferrarista
1. if you're afraid that CAI is illegal, dont buy it
2. if you really want CAI, screw the insurance company
end of story

i dont mean to be rude, but the discussion seems to be going in circles, since no one know the definite answer. i dont even think insurance people know what CAI is. me, myself dont even know what it is :D all i know it is an air intake. am i rite? LOL for me :)

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Originally Posted by MIRZ

donot worry about insurance companies if u are into modes

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That's your opinion, and I value it.
But it is by far best to make sure that your insurance company will cover your car and your mods (which you must tell all of them) in case something happen to your beloved car *touch wood*. You spent a lot of money for the car and for your mods. Having no financial protection on them is stupid imo. Unless of course if you are made of money :D

PS: this is not a personal attack, please don't take me wrong