Traffic tickets, accidents, insurance Discuss legal issues, emissions testing, illegal modifications, etc....

Insurance for "modified" cars

Old 30-Aug-2007, 11:26 AM
  #1  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
Insurance for "modified" cars

Just wondering what insurance companies are you guys using to protect your investments, especially the highly modified ones like show cars?
spoolin_R is offline  
Old 30-Aug-2007, 12:04 PM
  #2  
Registered User
 
imported_janz3n's Avatar
 
Join Date: Feb 2006
Location: toronto ontario
Posts: 703
i would say search.. but the search is disabled.
imported_janz3n is offline  
Old 30-Aug-2007, 12:08 PM
  #3  
Registered User
 
VTEC_Thunder's Avatar
 
Join Date: Apr 2006
Location: Where ever my car is...
Posts: 1,393
I tried getting quotes from a few companies a while back and I mentioned the car would be modified and as soon as I said that, they all said "nope, we won't insure it if it is modified". However these were not specialty insurance companies either.

Search around the net and see what you can find...
VTEC_Thunder is offline  
Old 30-Aug-2007, 12:39 PM
  #4  
Registered User
 
Join Date: Mar 2007
Posts: 532
i found nothing
imported_Kingjames1983 is offline  
Old 30-Aug-2007, 01:20 PM
  #5  
Registered User
 
imported_TuttiGirl's Avatar
 
Join Date: Jul 2003
Posts: 4,197
PC Financial insured my civic with everything on it. I had to fill out a form and pictures. My insurance went up, but it's the price you pay.
imported_TuttiGirl is offline  
Old 30-Aug-2007, 01:31 PM
  #6  
Registered User
 
imported_hdave's Avatar
 
Join Date: Oct 2004
Location: (Toronto)
Posts: 3,744
just curious, can you gimme an idea of the insurance hike? like was it 1.5 times what you normally pay, double? etc..
imported_hdave is offline  
Old 30-Aug-2007, 02:07 PM
  #7  
Registered User
 
imported_crazydragonclk's Avatar
 
Join Date: Mar 2006
Location: Markham
Posts: 868
i heard johnson and johnson unifund doesnt care if u modify, and of if u do they will just get eveything down photos and receipts and adjust ur premium
imported_crazydragonclk is offline  
Old 30-Aug-2007, 08:12 PM
  #8  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
Oh you have no idea how much I searched, and not just TCC. All I found was a company call Lant & Co which is underwritten by Aviva but they only insure classics (15 yrs old/older).

I will try PC financial and Johnson/Johnson unifund and report back.
spoolin_R is offline  
Old 31-Aug-2007, 11:27 AM
  #9  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
PC financial said no and JJ Unifund as well :S
spoolin_R is offline  
Old 31-Aug-2007, 11:58 AM
  #10  
Senior Member
iTrader: (1)
 
Tyson09's Avatar
 
Join Date: Apr 2006
Location: where honda's are born
Posts: 2,643
i just tell them im not modified...if they send a guy to look at it ur screwed, i get minimum coverage anyways so if my **** gets damaged then i just replace it using cash cuz thats what i bought the parts with. i look at it if i was insured with all that stuff and i get in an accident, the last thing i want to do is make a claim and have my premiums go up, so i'll take my chances.

try belairdirect?
Tyson09 is offline  
Old 31-Aug-2007, 12:30 PM
  #11  
Senior Member
 
Join Date: May 2003
Location: Ontario
Posts: 18,370
Originally posted by spoolin_R
PC financial said no and JJ Unifund as well :S
Thank you for the research.

Any idea which company you gonna try next?
Nova_Dust is offline  
Old 31-Aug-2007, 01:01 PM
  #12  
Registered User
 
VTEC_Thunder's Avatar
 
Join Date: Apr 2006
Location: Where ever my car is...
Posts: 1,393
Most companies panic if you mention mods cause they automatically think your gonna go out speeding and racing all the time, or that it will get stolen....

I never heard of any company that insures modded cars, only ones that insure classic cars.
VTEC_Thunder is offline  
Old 31-Aug-2007, 05:05 PM
  #13  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
Originally posted by VTEC_Thunder
Most companies panic if you mention mods cause they automatically think your gonna go out speeding and racing all the time, or that it will get stolen....

I never heard of any company that insures modded cars, only ones that insure classic cars.
Thats what I am beginning to think.

I was talking to a representative of RBC Insurance and he said that they usually dont insure modified cars but I still got him to give me a quote. He said to call back and try to get the quote "reviewed". I think he was just being optimistic but Ill give it a shot.
spoolin_R is offline  
Old 31-Aug-2007, 06:25 PM
  #14  
Registered User
 
imported_kruption's Avatar
 
Join Date: Mar 2005
Location: Clarington
Posts: 258
Have you tried Direct Protect or Belair direct?
imported_kruption is offline  
Old 31-Aug-2007, 06:28 PM
  #15  
Senior Member
 
Join Date: May 2003
Location: Ontario
Posts: 18,370
Which is why I feel the contradictory because on one end, Police has a guideline for legal modification meanwhile, insurance companies is saying “no” to all of them.
Nova_Dust is offline  
Old 31-Aug-2007, 07:39 PM
  #16  
Registered User
 
Join Date: Sep 2004
Location: tcc
Posts: 112
Originally posted by kruption
Have you tried Direct Protect or Belair direct?
Will do.


Originally posted by Nova_Dust
Which is why I feel the contradictory because on one end, Police has a guideline for legal modification meanwhile, insurance companies is saying “no” to all of them.
This is true, one of the reps I talked to said that a skirt kit and tints are pushing it
imported_maxboost is offline  
Old 31-Aug-2007, 07:47 PM
  #17  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
I think this is illegal....lol. If an insurance company thinks that you are a "risk" because of the car you drive, isnt it called discrimination or vehicular profiling....lol.


Anyways search will continue on tuesday, enjoy your long weekend
spoolin_R is offline  
Old 31-Aug-2007, 08:22 PM
  #18  
Registered User
 
Join Date: Mar 2004
Posts: 1,730
Originally posted by spoolin_R
I think this is illegal....lol. If an insurance company thinks that you are a "risk" because of the car you drive, isnt it called discrimination or vehicular profiling....lol.
so you think that a 1981 civic should cost the same to insure as a 2008 M6?
imported_ERTW is offline  
Old 31-Aug-2007, 08:49 PM
  #19  
Registered User
Thread Starter
 
Join Date: Mar 2006
Posts: 69
Originally posted by ERTW


so you think that a 1981 civic should cost the same to insure as a 2008 M6?
okayyyyyyyyyyyyyyyy ????
spoolin_R is offline  
Old 05-Sep-2007, 02:07 AM
  #20  
Registered User
 
Join Date: Apr 2007
Posts: 49
Lant doesnt want to insure classic Hondas afaik, probaly due to all the negative attention from the press, public and law enforcement. Dont even bother with Bel Air, they send people out to take pictures. Only in Ontario we have these problems, in the States they dont give a **** (and before anyone argues with me im speaking from experience, your wrong)
chrisk20 is offline  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
oujakov
CFz Discussion
7
24-Jul-2007 03:25 AM
imported_newbreed
Traffic tickets, accidents, insurance
3
15-May-2007 11:15 PM
RDub99
Chit-Chat
6
07-Sep-2005 01:26 AM
imported_My93Civic
Honda Civic (+ other) Parts/Accessories for Sale or Trade
10
28-Nov-2004 02:55 PM
imported_94EG6HB
CFz Discussion
6
22-Jun-2003 09:48 PM


Thread Tools
Search this Thread
Quick Reply: Insurance for "modified" cars


Contact Us - Sitemap - Advertising - Cookie Policy - Privacy Statement - Terms of Service

© 2019 MH Sub I, LLC dba Internet Brands

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.