HELP with Insurance... about Mod's

[team_v]

I went with Youi for mine since none of the insurance companies up here would cover mine for upgrading wheels and intake............

[gareth_oau]

what ever you decide, make sure you get the insurance company to provide their advice in writing.

the last thing you want is a claim denied later on something "you thought you understood" but they "would never have offered anything like that"

[lhennessy]

thank you, my grandfather is with AAMI so looks like im going with them when he sets it all up im going to get him to ask about it all... because i am going to mod the car and i want to be covered. if they cant provide that service we will simply go elsewhere.

[brad]

Im buying my 1st car hopefully this week. (MKV 06 TDI United Grey black leather and sunroof fantastic condition...81.000kms.

i saw something when i was looking at insure some of the companys asked about mod's. and if i ticked yes then they said cannot cover...

So whats the deal with that?, (i have a feeling they could be talking about structure mods... but need conformation.)

I would be using the car for the rest of my L's and then P's and as long as it last me after that.

I would be doing
Boost Gauge (maybe something else aswell but dont know what.)
Intake...(APR CARBONIO or something simular.)
Stage 1 tune Probs DNA
and later on Lower... GTI or R32 rear maybe front as well or full kit...and Wheels

it's probably a combination of your age (under 25?) & the mods? There are plenty of companies that won't insure a car with mods (Budget Direct, etc)

Why not worry about buying the stock car & insuring that first & address the mods when you want to do them - after all it's illegal to try & insure something that isn't fitted to your vehicle.

[HaydEn]

I go through just car the support all kinds of mods at no extra charge. And are pretty damn cheap compared to everyone else. I'm 18 too.

[lhennessy]

my age dosnt matter till i do my insurance for my P's still 10 months away. for now its all just my granddads insurance.

thanks

[jameshero]

check out http://www.vicroads.vic.gov.au/Home/...edvehicles.htm

specifically the definition of a prohibited vehicle for probationary drivers... A vehicle that "has an engine that has been modified to increase the vehicle's performance (other than a modification made by the manufacturer in the course of the manufacture of the vehicle)"

also if you do choose to drive it, it's quite possible that your insurance will not cover you in an accident if your car falls under the above description

I'm with AAMI and they stated that they would not cover me in an accident. before I had received an exemption for vicroads to drive my car, and it's only a stock 118TSI, so I suspect that it would be the same case for you

it's possible that you could apply for an exemption for a modified car, however you would have to show that you require a car, and no one in your family has a car you can borrow, though the application process requires you to already have the car, and in your case, I assume modified, before you can apply, and then they may turn you down

[brad]

my age dosnt matter till i do my insurance for my P's still 10 months away. for now its all just my granddads insurance.

thanks

If you're still on your Ls then forget about performance mods. Put your money to a defensive driving course, some quality tyres & keep the car serviced properly.

Also, the GT you were asking is on the banned list for P-Platers.

[gecko2k]

If you're still on your Ls then forget about performance mods. Put your money to a defensive driving course, some quality tyres & keep the car serviced properly.

Wise words. Learn to drive first for a couple of years and get some basic mechanic knowledge. Fixing a car can keep you busy for a while without having to consider any mods...

[gareth_oau]

my very first car as an 18 yr old was a 2L Escort.

Came with after-market wheels, and tyres, lowered suspension, short-shifter, mandrel bent 3" exhaust and extractors, oversize sidedraft carbs, race-cam, port and polished, blueprinted cylinderhead, oversized valves with triple springs, 50 thou oversized, high compression pistons.

Ive never had a crash, never died, and only lost about 4 demerit points in my entire life.

Buying that car as my fist car fuelled a passion that will live with me until I die (hopefully of old age) and i believe has helped to make me a better, more alert driver in the process.

Just because the OP is on Ls/Ps shouldnt deny him a passion, as long as hes sensible and combines passion with safety and common sense