Online insurance quote declined. - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Captain Snooze · 07-29-2012, 06:02 AM

I was bored; I checked (again) the status of my BRZ order. While I was there I thought I would get a quote from Subaru's linked insurance crowd (Allianz Insurance Australia). One of the questions was "Has your vehicle been modified in any of the following ways: engine, body/paint, suspension or wheels?" to which I answered yes. I got a page with this message
"
We are unable to offer you insurance online :

due to the vehicle being modified.

We suggest you contact the Insurance Council of Australia (ICA) who may be able to assist you with finding appropriate insurance cover. The ICA telephone number is 1300 884 934.

Thank you for using our online quote facility.

For further information please refer to the Allianz Dispute process "

Given their suggestion of contacting the Insurance Council of Australia I wonder if modded vehicles are going to have a hard time finding insurance or whether the application form is only for those with bog standard cars. There was no suggestion of contacting Allianz to discuss things further.

I think I will call them tomorrow just to see what their issue is. I mean if you replace the wheels with after market wheels that are the same spec as original is this a modification? I call it a mod even tho' it is legal. Maybe they mean mods that fall out of spec/adrs. This shall be tomorrow's mission.

lokvo · 07-29-2012, 06:10 AM

that's a little disconcerting...get insurance approval before doing mods?

Captain Snooze · 07-29-2012, 06:17 AM

To be covered you have to let the insurer know of any alterations that would affect claims. If the insurer claimed the car after an accident and found it modified without their knowledge they would not pay out.

BRAWL · 07-29-2012, 06:30 AM

Just Car or Shannons will give you a quote for a modded car

Z86 · 07-29-2012, 06:39 AM

Its just their online quoting tool won't allow mods - once you have your car you can insure it as standard, then when you mod it give them a call.

Nafe · 07-29-2012, 07:12 AM

And not all insurance companies have the same policies on mods. Allianz may have a policy against mods, which is fine, but just car, shannons, suncorp all allow mods.

07-29-2012, 06:02 AM	#1
Captain Snooze Because compromise ® Join Date: Jan 2012 Drives: Red Herring Location: australia Posts: 7,817 Thanks: 4,047 Thanked 9,548 Times in 4,194 Posts Mentioned: 60 Post(s) Tagged: 0 Thread(s)	Online insurance quote declined. I was bored; I checked (again) the status of my BRZ order. While I was there I thought I would get a quote from Subaru's linked insurance crowd (Allianz Insurance Australia). One of the questions was "Has your vehicle been modified in any of the following ways: engine, body/paint, suspension or wheels?" to which I answered yes. I got a page with this message " We are unable to offer you insurance online : due to the vehicle being modified. We suggest you contact the Insurance Council of Australia (ICA) who may be able to assist you with finding appropriate insurance cover. The ICA telephone number is 1300 884 934. Thank you for using our online quote facility. For further information please refer to the Allianz Dispute process " Given their suggestion of contacting the Insurance Council of Australia I wonder if modded vehicles are going to have a hard time finding insurance or whether the application form is only for those with bog standard cars. There was no suggestion of contacting Allianz to discuss things further. I think I will call them tomorrow just to see what their issue is. I mean if you replace the wheels with after market wheels that are the same spec as original is this a modification? I call it a mod even tho' it is legal. Maybe they mean mods that fall out of spec/adrs. This shall be tomorrow's mission.

07-29-2012, 06:10 AM	#2
lokvo Pugilist Join Date: Jul 2012 Drives: GT 86 - Hot Lava (AUS Spec) Location: Australia, QLD Posts: 140 Thanks: 41 Thanked 36 Times in 21 Posts Mentioned: 0 Post(s) Tagged: 0 Thread(s)	that's a little disconcerting...get insurance approval before doing mods? __________________ "BOO FOR THE GOO" - Everyone

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07-29-2012, 06:17 AM	#3
Captain Snooze Because compromise ® Join Date: Jan 2012 Drives: Red Herring Location: australia Posts: 7,817 Thanks: 4,047 Thanked 9,548 Times in 4,194 Posts Mentioned: 60 Post(s) Tagged: 0 Thread(s)	To be covered you have to let the insurer know of any alterations that would affect claims. If the insurer claimed the car after an accident and found it modified without their knowledge they would not pay out.

07-29-2012, 06:30 AM	#4
BRAWL Senior Member Join Date: Jul 2012 Drives: Toyota 86 GTS Velocity Orange Location: Perth, Australia Posts: 447 Thanks: 74 Thanked 102 Times in 64 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	Just Car or Shannons will give you a quote for a modded car

07-29-2012, 06:39 AM	#5
Z86 Senior Member Join Date: Jun 2012 Drives: 86 GTS Auto in Pegasus White Location: Perth Posts: 217 Thanks: 4 Thanked 74 Times in 36 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	Its just their online quoting tool won't allow mods - once you have your car you can insure it as standard, then when you mod it give them a call.

07-29-2012, 07:12 AM	#6
Nafe Senior Member Join Date: Dec 2011 Drives: Mt Fuji Red 86 GT Location: Brisbane Posts: 888 Thanks: 9 Thanked 109 Times in 86 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	And not all insurance companies have the same policies on mods. Allianz may have a policy against mods, which is fine, but just car, shannons, suncorp all allow mods.

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