Reaper
Tells it like it is.
- Joined
- Aug 15, 2004
- Messages
- 6,494
- Reaction score
- 11,538
- Points
- 113
- Location
- SE Suburbs, Melbourne
- Members Ride
- RG Z71 Colorado, 120 Prado , VDJ200, Vantage
Yeah, I know. Doesn't matter what the mod is, if it doesn't pass a roadworthy, your insurance policy is void... The insurance company has to pick up on the unroadworthy item though
Not necessarily. Really depends on the wording of the policy. Most will have something in the fine print saying the car must be in road worthy condition at all times but if they accept a premium on a car they know has (whatever) done to it then it becomes a very grey area. Details are important though - saying I lowered the car or even fitted xyz springs probably won't cut it as the insurance company won't know what that actually means. The insurance company will acknowledge the car is lowered as it can also still satisfy the "still roadworthy" clause. To fully cover yourself you would need to spell out exactly what has been done - ie car lowered to be 90mm above the ground before any fuel or people are in it for example.
Most mods are unlikely to get a claim knocked back unless you are very unlucky or it contributed to the crash. One massive thing that most miss with lowered cars is when the car hits a bump at speed and bounces off the bump stops due to lack of suspension travel. The car becomes un-weighted due to the "bounce" making it very easy for the driver to loose control and hit whatever gets in the way. There is a good chance that a claim in that situation will be declined. Such a crash happens quite often too.
Reaper