Insurance question with Cosmetic mods - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Minovsky · 03-09-2013, 03:06 PM

Hi Do you guys know if insurance will have the right to not cover people who modify their cars Cosmetically only? Like if we have a hood or something swapped out etc..

Rayme · 03-09-2013, 05:21 PM

They will usually cover the car if it's only cosmetic / wheels but may not cover their value in the case of a theft. If you have engine/power mods, they might and probably will not want to insure you, even if you disclose it.

abutterman · 03-09-2013, 05:45 PM

Quote:

Originally Posted by Honeydew

Hi Do you guys know if insurance will have the right to not cover people who modify their cars Cosmetically only? Like if we have a hood or something swapped out etc..

I have liberty mutual and i just call in any mods i make to them. Example: i installed a Kenwood DNX6990HD head unit which was $1100 installed. I faxed my local agent the receipt and they added it to my policy. The policy in effect went up $2/month and it's now covered in the event of theft or total loss.

Minovsky · 03-09-2013, 08:04 PM

oh wow

thats good then maybe i can talk with my agent about it before making any mods! thanks!!

03-09-2013, 03:06 PM	#1
Minovsky Senior Member Join Date: May 2012 Drives: Fr-s 2013 white out Location: canada Posts: 843 Thanks: 559 Thanked 111 Times in 96 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	Insurance question with Cosmetic mods Hi Do you guys know if insurance will have the right to not cover people who modify their cars Cosmetically only? Like if we have a hood or something swapped out etc..

03-09-2013, 05:21 PM	#2
Rayme The Answer Join Date: Sep 2012 Drives: Mazda 2 Location: Moncton, NB Posts: 1,233 Thanks: 488 Thanked 661 Times in 315 Posts Mentioned: 6 Post(s) Tagged: 0 Thread(s)	They will usually cover the car if it's only cosmetic / wheels but may not cover their value in the case of a theft. If you have engine/power mods, they might and probably will not want to insure you, even if you disclose it. __________________ \| Roof wrap thread

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03-09-2013, 08:04 PM	#4
Minovsky Senior Member Join Date: May 2012 Drives: Fr-s 2013 white out Location: canada Posts: 843 Thanks: 559 Thanked 111 Times in 96 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	oh wow thats good then maybe i can talk with my agent about it before making any mods! thanks!!

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