Insurance - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

j_ros94 · 12-02-2019, 02:20 PM

Anyone here ever told their insurance they modified their car?
Should I do it too? Or best leave it?

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Howaitoguru · 12-02-2019, 02:22 PM

Quote:

Originally Posted by j_ros94

Anyone here ever told their insurance they modified their car?
Should I do it too? Or best leave it?

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It depends. You might spend a little more on insurance but if you wreck your car and aftermarket stuff gets damaged you might get the money to replace that stuff. It’s up to you. But some insurance companies don’t even pay for that. It’s best to call and ask if they insure aftermarket stuff on a vehicle.

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toast · 12-02-2019, 02:42 PM

You have Progressive? They cover up to 6k in upgrades automatically.

j_ros94 · 12-02-2019, 02:42 PM

Quote:

Originally Posted by toast

You have Progressive? They cover up to 6k in upgrades automatically.

Im with aviva

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BlOody_BoOger · 12-02-2019, 02:45 PM

Quote:

Originally Posted by j_ros94

Anyone here ever told their insurance they modified their car?
Should I do it too? Or best leave it?

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I have my wheels covered, just called them told them I had aftermarket wheels and sent them a invoice of how much I paid for them

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YamahaR86 · 12-02-2019, 03:44 PM

I had geico. When someone rear ended me insurance looked over my vehicle and did an estimate (looking up tail lights). Took it to a shop and they had to replace the exact same aftermarket light or cut me a check for what the amount it would be if they couldn't replace it.

8RZ · 12-02-2019, 04:12 PM

I don't tell them.

Irace86.2.0 · 12-02-2019, 09:37 PM

If you want them to replace your parts or assess the value of your car appropriately then tell them.

Grady · 12-02-2019, 10:03 PM

I do not tell them, but it is up to you and your financial tolerance for loss. Generally for smaller items you will better off putting your money into a savings account.

Tcoat · 12-03-2019, 08:54 AM

OP is in Canada and the rules are a bit different here.
Undeclared modifications will NOT be covered under most policies. They will only cover repairing/paying for the stock vehicle value.
If you want to have the value of mods covered you need to tell them so they can adjust your premium to reflect the value. You would need to speak to your company to find out how much that would cost but it is usually peanuts. My exhaust, tint (it is a mod) spoiler and lowering springs cost me a whole $4 a year above the stock premiums.
There are no penalties to not telling them beyond not having the mods covered.

Grady · 12-03-2019, 01:12 PM

Quote:

Originally Posted by Tcoat

My exhaust, tint (it is a mod) spoiler and lowering springs cost me a whole $4 a year above the stock premiums.

Chances of lowering springs getting totaled .01%
However covering window tint and exhaust for $4 a year is a good deal. It will take you not having a loss for 250 years to lose money.

SuperSub7 · 12-03-2019, 01:23 PM

Quote:

Originally Posted by Irace86.2.0

If you want them to replace your parts or access the value of your car appropriately then tell them.

Agreed 100%

Tcoat · 12-03-2019, 02:00 PM

Quote:

Originally Posted by Grady

Chances of lowering springs getting totaled .01%
However covering window tint and exhaust for $4 a year is a good deal. It will take you not having a loss for 250 years to lose money.

Well if the car gets totaled the springs go with it. No single item is a huge value but it all adds up.

sroby · 12-03-2019, 11:42 PM

Quote:

Originally Posted by Tcoat

Well if the car gets totaled the springs go with it. No single item is a huge value but it all adds up.

👍

12-02-2019, 02:20 PM	#1
j_ros94 Senior Member Join Date: May 2019 Drives: 2017 Subaru BRZ Location: Toronto, Ontario Posts: 145 Thanks: 46 Thanked 22 Times in 20 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	Insurance Anyone here ever told their insurance they modified their car? Should I do it too? Or best leave it? Sent from my SM-G960W using Tapatalk

12-02-2019, 03:44 PM	#6
YamahaR86 JDM Vaping Stance Nation Join Date: May 2013 Drives: 2013 White Location: FL Posts: 710 Thanks: 647 Thanked 345 Times in 218 Posts Mentioned: 14 Post(s) Tagged: 2 Thread(s)	I had geico. When someone rear ended me insurance looked over my vehicle and did an estimate (looking up tail lights). Took it to a shop and they had to replace the exact same aftermarket light or cut me a check for what the amount it would be if they couldn't replace it. __________________ Clueless

12-02-2019, 09:37 PM	#8
Irace86.2.0 Senior Member Join Date: Mar 2017 Drives: Q5 + BRZ + M796 Location: Santa Rosa, CA Posts: 7,884 Thanks: 5,668 Thanked 5,805 Times in 3,299 Posts Mentioned: 70 Post(s) Tagged: 0 Thread(s)	If you want them to replace your parts or assess the value of your car appropriately then tell them. __________________ My Build \| K24 Turbo Swap \| K24T BRZ SOLD Last edited by Irace86.2.0; 12-03-2019 at 04:06 PM.

12-03-2019, 08:54 AM	#10
Tcoat Senior Member Join Date: Jul 2014 Drives: 2020 Hakone Location: London, Ont Posts: 69,845 Thanks: 61,656 Thanked 108,283 Times in 46,456 Posts Mentioned: 2495 Post(s) Tagged: 50 Thread(s)	OP is in Canada and the rules are a bit different here. Undeclared modifications will NOT be covered under most policies. They will only cover repairing/paying for the stock vehicle value. If you want to have the value of mods covered you need to tell them so they can adjust your premium to reflect the value. You would need to speak to your company to find out how much that would cost but it is usually peanuts. My exhaust, tint (it is a mod) spoiler and lowering springs cost me a whole $4 a year above the stock premiums. There are no penalties to not telling them beyond not having the mods covered. __________________ Racecar spelled backwards is Racecar, because Racecar.

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12-02-2019, 02:42 PM	#3
toast Senior Member Join Date: Jul 2014 Drives: 14 BSP Edelbrock BRZ Location: Lon Gisland Posts: 806 Thanks: 113 Thanked 450 Times in 256 Posts Mentioned: 12 Post(s) Tagged: 0 Thread(s)	You have Progressive? They cover up to 6k in upgrades automatically.

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