Not_An_Abba_Fan
Exhaust Guru
- Joined
- Aug 18, 2006
- Messages
- 14,639
- Reaction score
- 1,364
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- Location
- Bunbury, WA
- Members Ride
- Strange Rover
A MAFless tune is against the law, as it affects your emissions.
It's not so much about whether they will pay a claim because of the modifications, more so that the modifications are actually covered, and in the event of it needing repairing, the car will be repaired back to the way you had it. Otherwise, it will be taken back to stock because the insurance company isn't going to pay out for a more expensive aftermarket part if it isn't listed and you aren't paying the extra premium to cover it.
As said, the insurance company doesn't really care if something is illegal or not, only that they are covered when having to fork out for a replacement. If you don't list it on the policy and aren't paying extra, you won't get it replaced if it is damaged.
Only if the crash is investigated and you are found at fault and charged will the insurance company not pay out. If it's not your fault, or you weren't breaking a law when an event happened, then you should be covered.
It's not so much about whether they will pay a claim because of the modifications, more so that the modifications are actually covered, and in the event of it needing repairing, the car will be repaired back to the way you had it. Otherwise, it will be taken back to stock because the insurance company isn't going to pay out for a more expensive aftermarket part if it isn't listed and you aren't paying the extra premium to cover it.
As said, the insurance company doesn't really care if something is illegal or not, only that they are covered when having to fork out for a replacement. If you don't list it on the policy and aren't paying extra, you won't get it replaced if it is damaged.
Only if the crash is investigated and you are found at fault and charged will the insurance company not pay out. If it's not your fault, or you weren't breaking a law when an event happened, then you should be covered.