Koolaid

Just wanted to know what insurance companies actually insure modified cars? I'm with state farm and they wont insure my car no matter what. I'm hope that some of you have disclosed your mods to your insurance company and they are covering you. Any info would help.

l_bilyk

state farm is the worst insurance company in the world

adamo

Try RBC. #### 1 800 royal 28. I gave them a legit appraisal from a ceritified appraiser and they then insured my appraised car.

Anti-Rice

disclose your mods and get ready to bend over

midrange

i've owned 3 vehicle with engine mods and swaps.. insurance has never once known..
But i did an insurance project in college and the co-operators didn't mind motor swaps

1cam8valves

What morons, wait till claim time. "Oh you have a more valuable and swapped engine?, sorry we only cover what you paid for."

midrange

thats true.. but why would i claim.. first i never have collision, so it wouldn't matter.. but how often if you get in a accident does a collision repair garage have to replace motor.. if its that bad, write it off....

1cam8valves

What happens if your car is stolen then, you'll get book value even if you had a nice built motor!? Its not about replacing the motor or parts but fraud.
You have a lot to learn about basic ins., hopefully you do everything by the book

Koolaid

How about when you make a claim, you have a claim adjuster come and inspect the damage. First sign of mods and your insurance is now void, also they usually drop your policy. I'm not about to have that happen to me, also car book value is 5000 and my car is appraised at 18,000, now that would kinda suck to have my insurance voided. According to my current company even my cold air intake voids my policy.

SuprAdam

^ Blame that on Statefarm.

Koolaid

yeah for sure there a bunch of dicks, but I've also contacted all the other companies in town and there not willing to touch it either. They all say I should try the toronto area.

powered_by_a_rabbit

HOLD ON.. i dont understand why u would want ANY insurance company to know if u have mods done to your car.... if its a normal company then your ed up the *** ... and if its a special company for moded cars your going to be paying MADDD prices..

So my point is here ... the insurance companies are ing us over so i think we should all find a way to them even harder.. BTW.. a friend told me tonight that one undisclosed insurance company profited 600% for the year 2004.. and there telling us that is not a scam...

P.S. im happy ive found my way to them over.. and im even happier if someone from an insurance company reads this.. in ***********

1cam8valves

You know they're many many modified cars insured with "regular" ins. companies, even in Facility Association? If you put loads of $$ into a car(which means you have $$) it would be entirely foolish to not pay to insure it for what its worth. No ins. company made 600% profit, lol, you know they are audited by Sarbanes/Oxley and the Ontario Government!

Like many have said good luck on claim time, hope nobody gets hurt as YOU will be paying all their bills

Koolaid

who is this facility assosciates I've heard that before?

1cam8valves

A market of last resort for High-Risk drivers and is an independent body with its own set of rules, it is somewhat mandated by the government as in they set the prices. There are three companies that are "Service Carriers" for them: ING, Co-op, and RS&A all will have identical premium quotes if not someone screwed up, big time.

YOU DO NOT WANT TO BE THERE