Car insurance for modified cars

[Timmos]

Hey guys,

I would like to hear some suggestions on car insurance, i've tried to go through some of the big names GIO NRMA ect..
The cheapest i currently could find is $2800 premium with $750 excess (which due to funds i had to lower the premium and highten the excess to $1000 premium and $3000 excess)
But most will just turn me down on account the "car is modified"
I'm 20 years old and have a modified commy, I'm happy not to insure the modifications, but most say "you must disclose any modifications".

Any ideas?

 

[-scyth-]

Try justcars insurance. They do modified vehicles & there pretty cheap. Now when an insurance company tells you to disclose any modifications they mean it, otherwise in the event of an accident they wont insure you if they don't know about any mods you've done to your car.

 

[Timmos]

Yeah Justcar worked out to be the second cheapest, at $1300 premium and $1700 excess.

Still seems a touch steep for insurance doesn't it? or is this just the price.

I'm possitive my dad said a while ago his full comp insurance is $600 with $500 excess. Now obviously it would be cheaper because he's alot older and more experienced driver, but the difference of about $2000... common...

 

[Pete SS]

That sounds about right for a 20 year old. Do you have any No Claims Bonus? Try Ecar insurance, they where cheap for me last year but this year GIO where cheapest.

 

[Grennan]

Yeah im afraid to say JustCars is your only choice really. Make sure you disclose EVERYTHING youve done to your car to them because they are known to be pretty slimey when it comes time to payout.

 

[Timmos]

Ecar won't insure me, yeah grennan... i think your right as much as i don't want it to be true.

 

[Exidor]

A new player in the insurance game is
Australia Post!
Try them. They claim to insure modded.

 

[Kal123]

Hahaha are you serious? They would probably lose the car when they take it for repairs!

 

[eXphoid]

Agh AAMI and Justcar seem to be my only options.. although they're basically the same company.

I'm with RACV at the moment and seem ok with my current mods. Never had any problems with them so far but i'm going from full comprehensive to 3rd party in the coming renewal. I will most likely switch to justcar.

Bit expensive though but if anyone in ur family is a member i'm fairly sure i get discounts

 

[Grennan]

Yeah thats with AAMI. I dont think JustCars does it.

Like i said above if you go with JustCar makes sure you are extra careful to list everything and cover your arse because they are notorious for finding a way out of coughing up the dough.