insurance for modified cars

[onepointeightdub]

recently been calling around for quotes on car insurance and my car has an aftermarket suspension. so the insurance company refused me collision insurance as well as fire and theft. I guess it makes sense if they offered me higher rates for it but they absolutely refused... Does that make sense?

[eldo]

Re: insurance for modified cars

fyi.
you didn't ever install any performance-oriented parts on your car...

[onepointeightdub]

Re: insurance for modified cars

I mentioned it was suspension. It was a young kid that I spoke to over the phone so I don't think he knew what he was doing.. Must've just been his 9-5.

[onepointeightdub]

Re: insurance for modified cars

I called them again to inquire about their policy.. Everyones in mass hysteria since I compared it to lifted trucks.. Their trying to get their managers and they "talked it out".

I told them that they should be asking if componenents on the car are shot instead of asking if anything on the car was changed to brand spanking new parts that come with warranty. As components that are broken down is much more dangerous than new aftermarket ones. They apologized for the misunderstanding and finally offered me collision and fire and theft. But here we go.. they're charging me $3600. **** THAT ****! I'm paying way less than that right now... **** AB insurance for males under 25 years old.. I'm not even going to bother with this **** anymore until after I turn 25. Fucking assholes!

[R-Audi]

Re: insurance for modified cars

All my Insurance guy said that was if I had any aftermarket parts and wanted them covered, I had to have my car appraised, and insured at the appraised value.

[asp gti]

Re: insurance for modified cars

haha what company is it?
there shouldnt be any concerns if its suspension, but next time they ask do what eldo says, just say u didnt install any performance parts

[onepointeightdub]

Re: insurance for modified cars

haha what company is it?
there shouldnt be any concerns if its suspension, but next time they ask do what eldo says, just say u didnt install any performance parts

the company is called "thePersonal".. They let you save 5% your premium for driving with four winter tires during the winter.

[JPO]

Re: insurance for modified cars

Try meloche monnex. Any time i get
the idea I need cheaper insurance I shop around and I always get the same result; they are the cheapest.

[asp gti]

Re: insurance for modified cars

Try meloche monnex. Any time i get
the idea I need cheaper insurance I shop around and I always get the same result; they are the cheapest.

thats who i get my insurance through, gave me a great deal on my gti with a bunch of aftermarket parts on it, also if you are a u of c grad you get even better deals!

[GINCH]

Re: insurance for modified cars

Yup! Meloche monnex for the win!! I deal with quite a few different insurance companies with my work and they are by far the easist to deal with and the best prices. Canadian Direct Insurance and AMA are the fucking worst (from a customer services perspective anyway!)!!!!

[onepointeightdub]

Re: insurance for modified cars

I guess i'll have to give them a try.

[eldo]

Re: insurance for modified cars

your car is just another volkswagen.
if you want to insure to the additional dollar amount that you think your suspension adds, find a broker that will insure to a dollar amount that you're happy with.
as for an insurance provider, just be smart and shop around. your likely best-bet will be a smaller brokerage that carries multiple products. an agent should at least be able to go through what they have to offer, and send you in the best $$$ direction.
(i might have some experience in the insurance industry, pm me if you like...)

[Stonewall]

Re: insurance for modified cars

Just don't get in an accident with Moleche monix otherwise they will try to wring you out to dry, trust me I know from experience.

[BaggedGLI]

Re: insurance for modified cars

Just don't get in an accident with Moleche monix otherwise they will try to wring you out to dry, trust me I know from experience.

x2 Working at Shaganappi in the body shop, dealing with monnex was the worst. That is if additional damage was found later, they were really against paying for it.

[JPO]

Re: insurance for modified cars

I have had a couple of (weather related) accidents while in meloche monnex. They have always been fine. My rates did not even really get that bad. They were always fast, got me a rental etc. No issues. They were evengood after the bad hail storm in 06.