Hey,
As stated above I think the best option is dealing with a broker. I am not saying this just because I am one, but as a broker we have access to a number of different providers, which gives us a lot more options.
In terms of modifications though, things are still very difficult. Every company has their own definition of what is considered an excluded modification, and it is just a matter for finding one that will accept it.
In my personal opinion some aftermarket springs and upgraded exhaust is nothing off the wall, but not every company sees it this way.
Now, not to highjack you post, but this would save the forum another similar post. As mentioned I am a broker and I work for Zehr Insurance, and I am working on a project to create a specialty insurance product for modified vehicles.
I know that finding proper and affordable insurance for modified vehicles can be very difficult/impossible. I know many people lie to their brokers about the modification, or are forced to insure with Facility to get proper insurance. Both have big downsides. Lying can lead to denied claims and all sorts of other headaches that no one wants and to fully insure with Facility costs an arm and a leg along with your first born child. My goal here is to create the specialty program that will provide affordable rates and allow you to disclose all of your modifications.
My brokerage specializes in Classic Car insurance, where it is not difficult to insure modified vehicles. Take on old Impala and put a Cummins diesel in it and I would have no problem. Same Impala but with a full custom paint job, again no issue. Even roll cages are doable. But you do an engine swap or any of the above in your Subaru/Scion and insurance is impossible to find.
This is doesn't makes any sense to me. If you have put the time, money and care into you car then you are going to take of it just as well as any "classic" car owner.
I am hoping to compile a database that can help me approach my insurance providers to create this specialty program for enthusiasts like yourselves. If you are willing I have provided a link below to a 10 question survey, which will help give me an overview of the potential market, and give me ammo to get this program started. The survey should only take 1 minute.
I would be so appreciative if everyone could fill out the survey and pass it along to anyone who may be willing to help me out. Thank you very much for the time and consideration. If you have any questions or input in terms of desired coverage etc, I would appreciate all feed back.
https://www.surveymonkey.ca/r/QNVVMWY