Modifications and insurance

[Dub_Star_V6]

well we are on the subject, do slotted rotors and upgraded pads need to be shown ?

Snowy ^^^^ is spot on. It's all about disclosure.

Pads won't matter one bit, as they don't change the mechanical componentry of the vehicle. And uprated discs and brakes are fine so long as they are able to be installed without modification. That is, they attach to the the original mounting hardware like hubs etc. And just in case you were wondering, spacers are illegal for road use, boys and girls.

Example: I went from 276mm solid discs to 294mm vented and slotted 4 pots on my '93 Subaru Liberty and NRMA just said "Thanks for letting us know." No change in premium, no hassles, no dramas.

On the other hand, braided lines are quite a bit different as they need to comply with ADR standards.

Think of it like Customs when you're entering or leaving Australia. People think that if you declare something it will be confiscated? Let me tell you after working in the airline industry for quite a number of years (both here and abroad) that Customs is far less likely to ask to check your bags if you tell them what you're carrying, rather than them having to dig through your stuff.

It's the same with insurance: do the sensible thing and tell your provider before you go crazy with mods that might void warranty, rego and insurance

[sierra055]

...<25, male, dodgy suburb, speed fine last year) about $250 a month, with a premium of $1100 or so. CPU mods not allowed.

(For interest I was quoted $4000 prem + $1k exess by AAMI and $2500 prem + $2k excess by Just Car)

Shannons cost for the same car, location, history etc $175 or so with an excess of $900.

...


Anyway, for me Shannons seems to be a win-win because I'm not deceiving the NRMA (and hoping they don't find out) and have free reign to modify the car (so long as mods are legal).

I didn't think Shannons insure under 25's?

Obviously Just Cars are another option with younger drivers and/or modified cars.

[Vee-Dub]

Shannons sometimes will insure under 25's, if you are a car enthuseist, or have atleast 5 years driving experience, im only 18 and they were going to give me insurance no worries

[gareth_oau]

someone mentioned on this or a sister forum that Just Car have some fine print saying they will use secondhand parts for repairs at their sole discretion

Cant verify that, but worth checking

[dubbed]

They also say they will cover certain modifications but if you're involved in a crash and they aren't legal, engineered, and/or road worthy they won't cover you.

[fuzion]

my car is completely covered including my boser bonnet via Just Cars, approx $1800 a year is what i pay almost. with nrma staff discount it was still over 3500+ and as mentioned no ecu mods were allowed so wasnt useful.

shannons your car must be garages is the only thing they request

[Mr ©harisma]

Wow, easiest thing to do is call your insurance company. I do work for one ( not going to mention names ) and most places are ok with mods.

They do separate on Modifications and Accessories. A Mod is a performance enhancing part e.g. Suspension changes, turbo, ECU etc.

An accessory is like tint, tow bar, etc. Definately read your PDS though.

If you are ever unsure about who will cover unique cars or situations, contact the Finacial Ombudsman Service to save yourself some time.