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 Post subject: Cams and Insurance
Posted: Tue Mar 14, 2006 11:43 am 
Parts Gopher
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hey guys how do insurance companies handle new cams should i tell them or wont they insure me - im with just car so i have unlimited mods as long as legal

 

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Posted: Tue Mar 14, 2006 12:03 pm 
Tyre Shredder
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ITS NOT LIKE THEYLL TAKE OFF THE ROCKER COVER TO INSPECT THE CAMS IN TIME OF A CRASH!!!

haha, imagine that! then theyll need the correct tools to measure the diffrence between a stock or modified..never heard of such a thing

 

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Posted: Tue Mar 14, 2006 12:50 pm 
Getting Side Ways
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i definatly wouldnt bother.

i doubt they will ever pull an engine apart to see whats inside it. and if they did, a regrind i doubt they would even be able to tell the difference. and you do you can always take the it was liekt hat when i got it approach.

 

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Posted: Tue Mar 14, 2006 1:25 pm 
Getting Side Ways
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Lol - depends if you've got pics up on the internet of you and your mates changing the cam... holding two forms of government ID and a correctly dated newspaper ;)

Legally you're obliged to tell them... if you think you can get away with it then you'd be mad not to... but then, you give up all rights to b**ch if they find out and knock you back on a claim...

As above, i really doubt they'd go to the effort... but there's the slim chance if you're involved in a multi milion dollar claim (i dunno.. let's say 5 ferraris rear end each other and you hit the one at the back of the queue...)... they'll analyse every last bit of that car.

Ring up anonymously and ask what they're policy is and what the premium difference is... for an extra few bucks per annum, might be some good piece of mind...

 

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Posted: Tue Mar 14, 2006 6:44 pm 
Tyre Shredder
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if your insurance company is like mine then there will be an extra excess like 600 extra i had a stage 3ps done from mark but from the out side looks stock as a rock so i keept it on the quiet side shhhhhhh

 

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Posted: Tue Mar 14, 2006 6:49 pm 
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well if they pull my engine apart and could tell the dfference between stock and aftermarket they wouldnt pay me if i crashed hahaha

 

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Posted: Tue Mar 14, 2006 10:26 pm 
Getting Side Ways
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i take it you're talking about the cam that was in the car when you bought it, right? i mean, it only feels like its a bit different, but you cant prove something is different? right? *nudge nudge, wink wink"

 

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Posted: Tue Mar 14, 2006 10:29 pm 
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Interceptor wrote:
i take it you're talking about the cam that was in the car when you bought it, right? i mean, it only feels like its a bit different, but you cant prove something is different? right? *nudge nudge, wink wink"

Camshaft?
Is that the thing that I hook the trailer onto? :lol:
I doubt any insurance company will spot a non-stocker cam, especially if it's a regrind.

 

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Posted: Tue Mar 14, 2006 11:13 pm 
Getting Side Ways
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thats it, a regrind will still have the ford part number stamped on it.

 

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Posted: Tue Mar 14, 2006 11:18 pm 
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But you did say you were with just cars and dont they have something like 12 mods before they start jacking up the premium?

Could be worth a try to ring and ask, as i would say just cars would be cool with a cam. RACV, NRMA etc could be a different story though..

 

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Posted: Wed Mar 15, 2006 2:43 am 
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a vac guage tells you every thing. Most cams have a lump and unless they are mild or well disguised, a vac guage will tell what it is every time. No removal of any components, just shove it in to the PCV hose

 

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Posted: Wed Mar 15, 2006 8:30 am 
Getting Side Ways
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Jaysen wrote:
a vac guage tells you every thing. Most cams have a lump and unless they are mild or well disguised, a vac guage will tell what it is every time. No removal of any components, just shove it in to the PCV hose


^ good call.

 

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Posted: Wed Mar 15, 2006 10:17 am 
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Vernier cam gear might be a giveaway ??
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Posted: Wed Mar 15, 2006 12:06 pm 
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Im with SGIO only cause there the only ones that would insure me for full cover, and i told them about my 17's extractors, exhaust and cam and mine didnt go up at all.. I wouldnt bother telling them about the cam only reason i did was because it wouldnt cost me any more

 

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Posted: Wed Mar 15, 2006 2:47 pm 
Parts Gopher
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thanx for your help guys - yea just cars has unlimited mods as long as they are legal - i might ring up and ask if my premium goes up if i change the cam i no exhaust, extractors etc dont change the premium - if worst comes to worst i dont really need the cam i guess if its an insurance issue - i dont needa lenghty bill at my age if something goes wrong:P

cheers guys

 

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