[VOSS]

Originally Posted by KurtZehrINS

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..........

https://www.surveymonkey.ca/r/QNVVMWY

Thanks for the detailed info. I actually sent an email to Zehr insurance and received a canned response saying "we'll get back to you". That was 9 days ago and i haven't heard since, my email probably went into their junk mail or something.

That being said, i filled out the survey. Hopefully the one extra response helps in the long run.

Since you work as a broker for Zehr, are you able to tell me if they accept drivers under 25? I was looking at Hagerty but they only accept if you're 26.

Originally Posted by Tcoat

This really seems to depend upon the company and type of policy that each individual has.
When I first bought the car and thought it needed FI based on what I had read (I had only done the one test drive at that point) I contacted my insurance company and had a long discussion on coverage. They were very clear that they did not care what I did to the car it would not change the base coverage. The guy even said "doesn't matter if you drop a V8 in there the base coverage doesn't change". He said that the cost of coverage was based far more on the driver than what was done to the car. There was zero risk (according to him at that point in time) of the car not being covered due to any performance mods that were done. He did say that any high level performance mods should be reported though but it was more so that the insurance company had them on record.

Now... the clincher was that the base premiums only covered the value of the car in it's stock state. If I sank $10K into mods and wrecked it I would be out that $10K. He said that if I wanted to cover any modification costs then they could just tack a rider onto my policy. I don't recall the exact amount but it was actually pretty cheap. Something like $20 a year for every extra $5K in value.


The whole thing is to check what your contract says. If it outright bans any form of performance mods then you could be out of luck. If it has restrictions but permits some or does not reference them at all (as mine reads) then all is fine.

What insurance company are you with?

Originally Posted by sIowbrz

i believe belairdirect cover up to $5000 on mods... u dont even need to report to them if total is less than $5000

I'm actually with Belair and thought this as well. I called them and gave them specific items i wanted to modify. It was coilovers, exhaust, rims, lip kit. They got back to me saying they're performance mods and they would cancel my insurance if i got them.

Pretty pissed to be honest because one of the reasons i signed up with Belair was of their "leniency" with mods. I even spoke to 3 different operators and they all told me "oh yeh, lowering your car and an exhaust for sound, no problem". Feel like i've been cheated.