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very minor mods and notifying insurance

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  • #16
    Originally posted by Blitzen View Post
    Just go AAMI...they didn't give a **** about any mods I had, as long as they were mentioned...
    I'd be looking at the repair process before picking an insurance company, AAMI pick the lowest price repairer and after experiencing their repair process quite a few times there is no way I'd recommend them if you care about your car and the quality of repair.

    A search on here and golfmkv.com will show some of the problems. One example was AAMI had to write off a GTI after a $12K repair was done so badly it was going to cost $35k to fix and the owner was without a car for 3 months.

    You get what you pay for with insurance and I wouldn't just look at price but look at how their repair process works, if you get to pick the repairer etc. Talk to any of the decent smash repairers and they'll explain why they won't use AAMI (and vice versa).

    Justcars which is owned by AAMI allows more mods than AAMI does but ditches a few AAMI features like rating 1 for life. I didn't think that AAMI allowed ECU mods on turbo cars but Justcars may going on some discussions over at golfmkv.com.
    Last edited by Maverick; 29-11-2009, 11:07 AM.
    website: www.my-gti.com

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    • #17
      Where not wanting to know about insurance companies and smash repairs. This thread is about minor mods and insurance.
      MY20 Golf GTI TCR
      MY20.5 LR Defender P400 HSE

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      • #18
        Originally posted by Maverick View Post
        I'd be looking at the repair process before picking an insurance company, AAMI pick the lowest price repairer and after experiencing their repair process quite a few times there is no way I'd recommend them if you care about your car and the quality of repair.

        A search on here and golfmkv.com will show some of the problems. One example was AAMI had to write off a GTI after a $12K repair was done so badly it was going to cost $35k to fix and the owner was without a car for 3 months.

        You get what you pay for with insurance and I wouldn't just look at price but look at how their repair process works, if you get to pick the repairer etc. Talk to any of the decent smash repairers and they'll explain why they won't use AAMI (and vice versa).
        Look on the upside, they got a new car out of it...

        If you sign for a car that hasn't been repaird to your liking, then that is your own stupid fault.

        This is all relative, as my car is a Polo, not a Golf, but this is just my perspective, and I should have clarified it earlier...

        Shannons wouldn't touch me as I only have a car port, and not a garage.I was quoted $1304 to have my car insured with all its mods through NRMA. I then did an online quote with AAMI and it came to $660. I thought this was very low, and rang them to confirm it. It was completely ok, and other than a couple of things I had to verbally add to my policy that there was no provision to add online, I just paid it out and went. All told with rating protection, hire car, and windscreen cover, it was $720 PA.
        "If can't get behind your troops, feel free to stand in front of them..."

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        • #19
          Recommending AAMI because of the cheapest premium isn't really sound advice, people should consider everything obviously like choice of repairers (although some people may not care). Heard too many bad stories about them though.
          Last edited by G-rig; 29-11-2009, 11:30 AM.

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          • #20
            Originally posted by Blitzen View Post

            If you sign for a car that hasn't been repaird to your liking, then that is your own stupid fault.
            .
            x2 and you can still take it back afterwards if you find something later on..

            AAMI were fine with all my mods. stage 2++ 688bucks cant complain. And far as being without a car for 3 months, thats why you tick the hire car option. Means they also fastrack the repair.

            And if your mods arnt listed slip the tow truck driver a 100 to take it back to your house so you can swap everything back to stock and get him to pick it up later done that before.
            Last edited by chrisgti; 29-11-2009, 05:25 PM.

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            • #21
              I'm going to have to be the fun police on this one.

              Unless you are a rich prick your car is usually your second biggest asset (well liability actually but for arguments sake).

              You are asked a series of questions when you apply for insurance on your car. Any non-disclosure or withholding of information from your insurer may result in the lowering or non-payment of a claim made by you.

              Unless everything is covered in black & white on your insurance premium, your discussions are also most likely recorded for substantiation purposes (unless you request otherwise), you may not be fully covered and the insurance company has the right to reduce or even not pay out on a claim depending upon how the undisclosed information impacts on your claim. Note that they will most likely not pay out on a claim where your car is unroadworthy (aftermarket HID's come to mind here). Having a chat to your mate and reassurance that the mod is ok does not constitute it being alright with respect to your insurance company.

              If I were running an insurance company that would be my directive to all inspectors, to do a thorough check of all mods/conditions of vehicles to make sure that they are fully up to spec. The savings for insurance companies would be huge.

              I hope to never have to claim on my insurance as that would mean being involved in an accident.

              It would be prudent to raise it with your insurer and make sure that if they can't find a category that you stress they note and update your policy for any and all modifications to your vehicle. I'd rather have the assurance that the premium I am paying each year is actually going to cover me rather than being a donation.

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              • #22
                Considering the lsat thing you want to be doing is donating money to your insurance company.

                Its tricky with mods. they're generally not cheap to do, and therefore it is understandable as to why you'd want to be able to add them to your policy. Unfortunately many of us have been in the same boat.

                I know the owner of my previous vehicle. when he got into an accident the insurance company didn't even question the mods. that was in a high powered S15. Would it be unusual to even look twice at a GTi?
                2008 MkV GTi 2 door, reflex silver

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                • #23
                  I've heard first hand that an insurance company isn't even going to deny the claim if the tint is too dark/illegal; not that mine is but do it at your own risk. All companies are different but we still get ripped off especially if you never make a claim.

                  Originally posted by SS Dash View Post
                  Its tricky with mods. they're generally not cheap to do, and therefore it is understandable as to why you'd want to be able to add them to your policy.
                  That's one perspective, but you should declare them as well to ensure you're car's modification are within their expectations.
                  Last edited by G-rig; 02-12-2009, 09:05 PM.

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                  • #24
                    QBE did a full look over on my car a while back when I made a claim. They had a list of mods and wanted to see them all.
                    Checked tyre condition too. Wanted to see the DVD Sat Nav system was as listed too.
                    They asked heaps of questions about other mods I might have like trying to catch me out.

                    This was for a non fault claim. I was so happy that I had disclosed all my mods.
                    MK4 GTI - Sold
                    MK5 Jetta Turbo - Sold
                    MK5 Jetta 2.Slow - Until it dies.

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                    • #25
                      Best "bet" will be to be disclose fully anything you have. Better to have the discussion with the insurance company upfront before you have to make a claim than after you have had an accident and they disagree with something on your car.

                      It'll be you that will either waste time chasing up the claim, be out of pocket for a reduction in claim etc.

                      In the end up to your own risk appetite as to what you do.

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                      • #26
                        Maverick.. For once I agree with you.

                        I'd never recommend AAMI to anyone if you like your car.

                        even if you don't like the condition of the repair and AAMI deems it ok, you ain't got a leg to stand on.

                        don't like secondhand parts, bad luck. read the PDS.

                        I've seen repairs that AAMI deems acceptable, still a **** job that you can notice.

                        Plus the fact the time and effort you got to put in when you have to return it.

                        I'm not so sure you would like to know how the panel beaters will treat your car when you return it for the 3rd time, criticizing their work because AAMI screws them down on price forcing them to take short cuts.

                        Just because the repairs looks ok prima facie when you pick it up, doesn't mean its a good job.

                        I'm with Shannons, owned by the same company as AAMI, but could not be any different.

                        Had an accident. Got my car repaired at my choice of repairer- Mr Gloss.

                        No quotes required, drive in and it was fixed. very well I might add.

                        Cheaper than AAMI too
                        MY07 Red GTI 3 Door

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                        • #27
                          Originally posted by SS Dash View Post
                          I know the owner of my previous vehicle. when he got into an accident the insurance company didn't even question the mods. that was in a high powered S15. Would it be unusual to even look twice at a GTi?
                          Was this a white S15 that a 4x4 rammed into and drove off?
                          ______________________
                          2006 MY07 VW GOLF GTI - 5DR - Black.

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                          • #28
                            So which insurance companies are fine with an ECU upgrade? I doubt many would like that and wouldn't go with Justcar.. I think once you got a highly modded car Shannons would be the go, shame they are very expensive (based on when i got a quote).

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                            • #29
                              Originally posted by G-rig View Post
                              So which insurance companies are fine with an ECU upgrade? I doubt many would like that and wouldn't go with Justcar.. I think once you got a highly modded car Shannons would be the go, shame they are very expensive (based on when i got a quote).
                              When I got my quotes, AAMI, RACQ, NRMA and Shannons had no problems with ECU flashes.
                              "If can't get behind your troops, feel free to stand in front of them..."

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                              • #30
                                ^Ah cool, thanks for that.

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