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Best insurance for modded cars?

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Best insurance for modded cars?

Post by mattcanada on Thu Apr 03, 2014 9:26 pm

So buddy of mine got rear ended the last snow storm we had, and the rear ender wanted to go through insurance. Long story short they saw my friend's car (AM bumpers, spoiler, lowered) and now they want to drop his coverage. Just wanted to know if you had any suggestions on good companies that are OK with cosmetic mods at the least (hes OK with raising it up again), TD is the one that's dropping him and I told him to check statefarm and aviva.
Thanks
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Re: Best insurance for modded cars?

Post by Zero on Fri Apr 04, 2014 1:04 pm

Sorry bud, I've only ever been with TD.... and now I'm scared.. Laughing

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Re: Best insurance for modded cars?

Post by ruckusx2 on Fri Apr 04, 2014 1:21 pm

wow crazy story. I only know a few ins co that do custom cars and classics too.I never had any problems with modding a car(lowered/hp/paint) if the parts are made for the car it should be fine (your just upgrading the stock parts and using them for what they are made for) not like the car is custom built.it should not have no issues being covered.he pays his ins bills they should cover it bottom line. im with Aviva long time with no issues on lowered /higher hp ..ect just keep the bills of the parts you put on for proof that that's what the car has on it. I just know they don't do RHD cars Laughing.
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Re: Best insurance for modded cars?

Post by Hydrolikz on Sat Apr 05, 2014 7:27 pm

Zero wrote:Sorry bud, I've only ever been with TD.... and now I'm scared.. Laughing

TD will screw you if you have any aftermarket parts and try to make a claim...

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Re: Best insurance for modded cars?

Post by mattcanada on Sat Apr 05, 2014 10:46 pm

^ Yup, they saw his AM bumper and were like we don't fix AM stuff, took pics of everything. They're giving him money for an OEM bumper, but now want to drop him so hes trying to figure out what to do. So if you make a claim with TD go stock prior =P
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Re: Best insurance for modded cars?

Post by BrianV on Sat Apr 05, 2014 11:17 pm

My AZ-1 is through Aviva. I've never had to make an insurance claim on any car though so I can't say anything about that side. I do know TD just raised the insurance on my BMW by $800 this year (looking for new insurance right now actually cause screw that)
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Re: Best insurance for modded cars?

Post by Yuriy on Sun Apr 06, 2014 10:11 am

Get in touch with an insurance broker, and tell them what you are looking for.
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Re: Best insurance for modded cars?

Post by Juice on Mon Apr 07, 2014 6:53 pm

Crappy news ... I just switched to TD! :(

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Re: Best insurance for modded cars?

Post by BrianV on Mon Apr 07, 2014 7:24 pm

Talked to a broker today, got a new insurance policy at $1550/year with bel-air. My renewal with TD was $2872/year. Still no idea why my TD insurance went up so much, 100% claim / ticket free since forever. Of note though was Aviva quoted at $4200+ / year on the BMW >.<
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Re: Best insurance for modded cars?

Post by Zero on Mon Apr 07, 2014 7:49 pm

Aviva just quoted me $4100 for the nissan. I'l give Bel Air a call tomorrow... I want to SAVE

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Re: Best insurance for modded cars?

Post by s_moneh on Tue Apr 08, 2014 12:03 am

Laughing i'm at $3400 for me and i dont even have a parking ticket its actually quite nuts wat they charge

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Re: Best insurance for modded cars?

Post by ruckusx2 on Tue Apr 08, 2014 10:29 am

wow u r so high with Aviva I pay $1200yr for my caddie full coverage.
and I got (speeding / parking tickets). im starting to think im just lucky Smile
this bel air place looks like it might be a good cheap way to go. good luck on the hunt
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Re: Best insurance for modded cars?

Post by Hydrolikz on Wed Apr 09, 2014 9:15 pm

Juice wrote:Crappy news ... I just switched to TD!  :(

Im with em too, im going to switch as soon as possible though...

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