Insurance

[2011G6E]

Originally Posted by Orangemonster03

I'm in Qld.
I have no idea what the factory fitment is :/

Here's a tip...it certainly wasn't 20" wheels. I'd say that's your problem right there.

Despite the "look at me" factor that people want with larger and larger wheels, on cars not designed for them they actually do throw up a few handling issues.
There's a good engineering reason they usually limit you to X-amount larger wheels, and it isn't to be a killjoy.

[zilo]

Originally Posted by Yellow_Festiva

You can be really clever with the technicalities but if it came down to 'lawyers at 20 paces' the side with the deepest pockets wins.

And in 999 out of 1000 cases that aint you....

Sorry mate, I been sucking eggs a long time.

$45 application to VCAT ain't a problem.

Almost never costs awarded and no lawyers allowed except by mutual consent.

One can't really be bullied around by threats of legal expenses anymore by the big boys.

[zilo]

Originally Posted by xisled

Yes but your policy will say that your car needs to be in a roadworthy condition. If you have larger rims that you are legally allowed to have it could be basis to deny your claim.

If the larger rims contributed to the claim...sure

Originally Posted by xisled

More than likely your insurance policy will have something about mods to your car.

Just as likely that they don't care about most mods.

If I change the colour of my car they really don't give a stuff.

(as long as if I need a repaint they will only pay for the oem colours)



Of course my original comment was that they don't need to be told about all mods and that it's only the ones that cause them more risk that concerns them...whereas some here have posted BS that all mods need to be disclosed at all times.

Originally Posted by xisled

End of the day, if you want to insure and be honest it is up to yourself. If you want to lie to the insurance company, you are risking one of your biggest assists.

If they want my business then they are my terms.

At the end of the day they are betting me that I will not have a claim and I am betting them that I will.

They usually win because they make huge profits.

[Stranger Ranger]

Don't bother with B/S Insurers. As PXranger says..Shannons is your answer. I rang for a quote. Told them all the mods and accessories and what i wanted to insure it for (Agreed Value). Answered a few questions and sent them a few pics. They said NOT A PROBLEM. I'm now only paying half of the Alliance premium i was paying and now actually having my ride insured for it's replacement value not Red book market value. For High performance vehicles, motorcycles modified or restored or even vintage vehicles......Whatever your passion is .....YOU'D BE CRAZY TO INSURE WITH ANYBODY ELSE OTHER THAN SHANNONS.

[xisled]

Originally Posted by zilo

If the larger rims contributed to the claim...sure



Just as likely that they don't care about most mods.

If I change the colour of my car they really don't give a stuff.

(as long as if I need a repaint they will only pay for the oem colours)



Of course my original comment was that they don't need to be told about all mods and that it's only the ones that cause them more risk that concerns them...whereas some here have posted BS that all mods need to be disclosed at all times.



If they want my business then they are my terms.

At the end of the day they are betting me that I will not have a claim and I am betting them that I will.

They usually win because they make huge profits.

What you tell the your insurance company is your business. I don’t really care.

If you think you are right, that is fine also.

But from my point of view and my 5 years’ experience in all areas of insurance claims, I think you have no idea what you are talking about.

[LTDHO]

Zilo, How long have you worked in insurance or the industry?

[Stranger Ranger]

Originally Posted by xisled

What you tell the your insurance company is your business. I don’t really care.

If you think you are right, that is fine also.

But from my point of view and my 5 years’ experience in all areas of insurance claims, I think you have no idea what you are talking about.

WOW. An entire 5 years in insurance claims. You have been well trained by your employer then.