Fordmods Logo

Brakes and Insurance 

 

Page 1 of 1 [ 10 posts ] 

 
 Post subject: Brakes and Insurance
Posted: Fri Feb 04, 2005 11:34 am 
Getting Side Ways
Offline
User avatar

Posts: 1007

Joined: 21st Dec 2004

Ride: ED V8

Location: driving under the sun........now!
WA, Australia

Fella's,

I know this seems similar to another thread on here about cross drilled v's slotted, but I want to know if anyone has had any trouble with insurance after the fitment of either cross drilled or slotted rotors? (and i didn't want to hijack that thread!)

Has anyone even told thier insurance company about the fitment?

Just wondering cos i am considering putting a set on my car!

Cheers,

Phil

 

_________________

ED XR8 Spri-mitatio-nt

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 11:37 am 
Getting Side Ways
Offline
User avatar

Age: 42

Posts: 8655

Joined: 5th Nov 2004

Gallery: 37 images

Ride: V8 EF Futura

Location: Adelaide CBD
SA, Australia

Duty of disclosure suggests you would have to tell them, even if they dont ask. Not sure how much it would affect premium by....

 

_________________

I promise..... I will never die.

Fordmods Administration Group MINOR PUNKED

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 11:46 am 
Site Admin
Offline
User avatar

Age: 41

Posts: 8833

Joined: 18th Dec 2002

Gallery: 6 images

Ride: AUII V8 LTD

Power: 270 rwkw

Location: Sydney
NSW, Australia

Martin may disagree, with a good reason, however i'd like to think that the premium would drop when you fit bigger brakes, and safer tyres.

 

_________________

WAG363: AUII LTD Supercharged 363 Dart Stroker [Supercharged 363 LTD Build]
WAGGIN: 2012 Volkswagen Passat Wagon - V6 4Motion.

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 11:52 am 
Getting Side Ways
Offline
User avatar

Age: 38

Posts: 2975

Joined: 5th Nov 2004

Ride: BF Typhoon

Location: Melbourne
VIC, Australia

Waggin wrote:
Martin may disagree, with a good reason, however i'd like to think that the premium would drop when you fit bigger brakes, and safer tyres.

Maybe in a perect of fair world yes.

 

_________________

BF Typhoon, Dejavu - 6sp Auto, Leather, Sunroof, 19"s, Electric Pedals, Tint, FPV Sports Wheel, FPV Mats.

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 12:08 pm 
Site Admin
Offline
User avatar

Age: 41

Posts: 8833

Joined: 18th Dec 2002

Gallery: 6 images

Ride: AUII V8 LTD

Power: 270 rwkw

Location: Sydney
NSW, Australia

its a shame they forget that not all modifications are go fast!

 

_________________

WAG363: AUII LTD Supercharged 363 Dart Stroker [Supercharged 363 LTD Build]
WAGGIN: 2012 Volkswagen Passat Wagon - V6 4Motion.

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 12:32 pm 
Getting Side Ways
Offline
User avatar

Age: 42

Posts: 8655

Joined: 5th Nov 2004

Gallery: 37 images

Ride: V8 EF Futura

Location: Adelaide CBD
SA, Australia

Maybe try an online quote at JCI... then submit another with brake modifications. See what happens....

Should be fairly indicative. Most insurer's actuaries use similar data sets and will treat most mods similarly.

Or, just phone and ask.... help keep call centre people employed!

 

_________________

I promise..... I will never die.

Fordmods Administration Group MINOR PUNKED

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 1:46 pm 
Getting Side Ways
Offline
User avatar

Age: 60

Posts: 4102

Joined: 18th Nov 2004

Gallery: 10 images

Ride: PX2 Ranger 4x4 XLT Dual CAB

Location: Carrum Downs
VIC, Australia

Most insurance companies state that you don't need to disclose items that reduce the risk, ie security systems, better brakes. That you only need to disclose anything that increases the risk. In other words, their only interested if its going to increase the premium, not the other way around.

No such thing as a fair world!

 

_________________

Image
She's meanness put to music and the b**ch is born to run!
Like the sign says, "speed's just a question of money. How fast can you go?"

Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 2:12 pm 
Smokin em up
Offline
User avatar

Age: 40

Posts: 291

Joined: 5th Nov 2004

Ride: EL GT - T2 TS50

Location: Cairns
QLD, Australia

After I fitted my slotted rotors I told my insurance company and they basically said "yer we dont realy worry about things like that"
Top
 Profile  
 
 
Posted: Fri Feb 04, 2005 2:22 pm 
Getting Side Ways
Offline
User avatar

Age: 60

Posts: 4102

Joined: 18th Nov 2004

Gallery: 10 images

Ride: PX2 Ranger 4x4 XLT Dual CAB

Location: Carrum Downs
VIC, Australia

jeffb wrote:
After I fitted my slotted rotors I told my insurance company and they basically said "yer we dont realy worry about things like that"


Be sure if it was a turbo you were telling them about they'd sit up and take notice, and then the premium would skyrocket.

 

_________________

Image
She's meanness put to music and the b**ch is born to run!
Like the sign says, "speed's just a question of money. How fast can you go?"

Top
 Profile  
 
 
Posted: Sat Feb 05, 2005 8:52 am 
Getting Side Ways
Offline

Age: 41

Posts: 533

Joined: 12th Jan 2005

Location: Melbourne
VIC, Australia

Waggin wrote:
Martin may disagree, with a good reason, however i'd like to think that the premium would drop when you fit bigger brakes, and safer tyres.


On teh flip side of that coin, the insurance company could take the position that, with better brakes and better tyres, you might overestimate your new found performance and actually get yourself into trouble instead of out of trouble.

But insurance companies seem to only worry about V8s and turbos.... they worry about lowering and uprating suspension aswell and, although it will increase stopping distances if not done right, it's generally safer.
Top
 Profile  
 
Display posts from previous:
Sort by  
 Page 1 of 1  [ 10 posts ] 

Who is online

Users browsing this forum: No registered users and 24 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

 

 

It is currently Fri Mar 29, 2024 5:04 am All times are UTC + 11 hours

 

 

(c)2014 Total Web Solutions Australia - Australian Web Hosting and Domain Names