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insurance with lowering a car. 

 

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 Post subject: insurance with lowering a car.
Posted: Sun Jun 01, 2008 5:38 pm 
Getting Side Ways
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gday guys well ive had a biff with dad.

i want to lower my car not super lows just lows now i have the springs ans shocks its all reeady to go well i was going to do it today and was talking to dad and he started going on about insurance and if i had an accident and insurance went over the mods of the car and said that the springs had an contributing factor to it they wouldnt cover me. what i want to no if 1. this is true and 2 what could i do to get around him its really pissin me off.

the car is in his name and insured... but i pay for rego and for insurance. much help please coz i want it done!

thanks in advance

 

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Posted: Sun Jun 01, 2008 5:54 pm 
Parts Gopher
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yeh its true you wouldn't be coverd.
Its around a couple of hundred $ more on your insurance, it depends on who your insured by, best thing to do is call and ask them how much more you have to pay insurance, after lowering ur car.
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Posted: Sun Jun 01, 2008 5:55 pm 
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Depending who you are with (insurance wise) will depend on coverage.

You have to speak to your insurance company. Ask them if they would cover you if you were to lower the car within legal limits and still making the car roadworthy. If you are with JustCar, and are 3rd party, then they wouldn't mind. But if you are on a full comprehensive insurance coverage via RACV or something, most likely they will charge extra for minor modifications.

If they don't cover you, then don't do it.

phong =P~

EDIT:
daquilina wrote:
yeh its true you wouldn't be coverd.
Its around a couple of hundred $ more on your insurance, it depends on who your insured by, best thing to do is call and ask them how much more you have to pay insurance, after lowering ur car.


You don't always have to pay an extra amount for coverage for lowering the car or any other modifications. Extra costs will usually only incurr when you have full comprehensive insurance since they have to cover the extra modifications costs. Though if you are third party you might get away with extra fees because they don't have to cover the cost of your car during an accident...only the damages to other properties. I haven't been charged any extra fees for any of my modifications being 3rd party, fire and theft, with JustCar Insurance.

 

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Posted: Sun Jun 01, 2008 6:21 pm 
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I with AAMI (they own JustCar I think aswell) with just 3rd Party and I called them up and said I lowered the car, didn't even have to say by how much, and they said no worries..but because I'm under 25 I can only have one mod and thats it.

So likely for me at least I'll be changing insurance companies next time round...

 

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Posted: Sun Jun 01, 2008 6:28 pm 
Getting Side Ways
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ah ok im with gio full comp ill give them a call tomorrow
thanks

 

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Posted: Sun Jun 01, 2008 9:00 pm 
Getting Side Ways
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Yeah exactly, depends on insurance, I believe racq, told me, I have to tell them, and can only drop it 1 and a 1/2", other than that it's fine.
I know how you feel though, my dad was like that to, and he wasn't paying for any of it.

Your best bet is, go and get your facts and figures, and be sensible about it. maybe you should even get a price on your wheel alignment, even consider to run it in with your tyre change.

Although admittedly I'm yet to put them in, there still at work waiting to be coated.

 

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Posted: Tue Jun 03, 2008 9:58 pm 
Getting Side Ways
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well rang gio today. my priemium will go up by 100 if i have a claim. and will cost an extra 7.00 a month so 85 extra a year. or get my own insurance. which i got a quote off just car insurance which was 1650.00 full comp but would not cover my wheels... any ideas guys?

 

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Posted: Tue Jun 03, 2008 10:01 pm 
Parts Gopher
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my inscarnce covered my superlows and 17s for no extra cost

 

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now with a nf fairlane with au series 2 motor let the mods comence

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Posted: Tue Jun 03, 2008 10:01 pm 
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Wait till your older.. sadly <25 and male equals instant screwing with car insurance, especially modifed cars.

 

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Posted: Tue Jun 03, 2008 10:01 pm 
Getting Side Ways
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Age: 32

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Joined: 25th Mar 2005

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Location: Perth
WA, Australia

Wait till your older.. sadly <25 and male equals instant screwing with car insurance, especially modifed cars.

 

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