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

Bergen23 · 03-18-2015, 06:44 PM

wondering who you guys are with and if your insurer is ok with mods?

I spoke with Bel-Air today about the mods I have. They said it's fine (I don't have power adders, that may be a different story) as long as the total value is under 5000 and I take pictures of the mods and engine bay and send them to them.

SLVRSRFR · 03-18-2015, 07:51 PM

My insurance representative is a personal friend of mine/fellow gear-head...

So I get a little extra lee-way

Tcoat · 03-18-2015, 08:33 PM

I have Western Assurance and they have no issue with mods as long as I let them know when I do it.

HeadBanger · 03-18-2015, 09:57 PM

I have Bel Air because I'm young and Intact wanted about double the price. So ya...

D_Thissen · 03-19-2015, 12:48 AM

Quote:

Originally Posted by Tcoat

I have Western Assurance and they have no issue with mods as long as I let them know when I do it.

Any increase to your premium?

Tcoat · 03-19-2015, 06:52 AM

Actually it went down! Not by a lot but the FRS has a better rating than Lancer GTs. If I do expensive mods and want them covered it would go up but it would be by very little. It would not go up in risk category though as it is still a FRS on their books no matter what I did too it. As long as the car's overall rating doesn't climb too high all is good.

drewbot · 03-19-2015, 07:39 AM

Just wondering why you would call after you insured your car initially to then list out mods

Are they going to replace them if you make a claim?

HeadBanger · 03-19-2015, 07:54 AM

Quote:

Originally Posted by drewbot

Just wondering why you would call after you insured your car initially to then list out mods

Are they going to replace them if you make a claim?

That's the idea.
Also since your car is modified they could refuse to cover you in the case of an accident.

wparsons · 03-19-2015, 08:08 AM

Quote:

Originally Posted by HeadBanger

Also since your car is modified they could refuse to cover you in the case of an accident.

This is the bigger concern. It's a grey area if they didn't ask you about modifications, but if they ask if the car is modified and you say no they can, and most likely will, drop your policy for non-disclosure after you've been in an accident and the adjuster saw the car. That means that you have zero coverage for the accident, on both the car and liability. If the other driver sues you, you're screwed.

Bergen23 · 03-19-2015, 08:54 AM

Quote:

Originally Posted by wparsons

This is the bigger concern. It's a grey area if they didn't ask you about modifications, but if they ask if the car is modified and you say no they can, and most likely will, drop your policy for non-disclosure after you've been in an accident and the adjuster saw the car. That means that you have zero coverage for the accident, on both the car and liability. If the other driver sues you, you're screwed.

That's why I spoke with them. When I initially bought the car and they asked about mods, I told them no, at this point the car is not modified. But, down the road it probably will be. I didn't want to be SOL in the case of an accident.

D_Thissen · 03-19-2015, 09:10 AM

Quote:

Originally Posted by Tcoat

Actually it went down! Not by a lot but the FRS has a better rating than Lancer GTs. If I do expensive mods and want them covered it would go up but it would be by very little. It would not go up in risk category though as it is still a FRS on their books no matter what I did too it. As long as the car's overall rating doesn't climb too high all is good.

Hmm interesting. I'm hoping to install my RCE yellows this weekend. Other than that I only have rims and a cat-back for any thing major. I should give them a shout.

Tcoat · 03-19-2015, 09:28 AM

Quote:

Originally Posted by D_Thissen

Hmm interesting. I'm hoping to install my RCE yellows this weekend. Other than that I only have rims and a cat-back for any thing major. I should give them a shout.

They really just want to know if you are going to try to claim the mod value if something happens. If you are willing to just write the value off if the car is totaled they really didn't seem to care what I did. We checked pretty close before I signed the deal as I thought for sure the insurance rate would sky rocket with what the car is but was pleasantly surprised (and had a happy wife).

D_Thissen · 03-19-2015, 10:14 AM

Quote:

Originally Posted by Tcoat

They really just want to know if you are going to try to claim the mod value if something happens. If you are willing to just write the value off if the car is totaled they really didn't seem to care what I did. We checked pretty close before I signed the deal as I thought for sure the insurance rate would sky rocket with what the car is but was pleasantly surprised (and had a happy wife).

You know what they say, happy wife = happy life lol

wparsons · 03-19-2015, 10:52 AM

Quote:

Originally Posted by Tcoat

They really just want to know if you are going to try to claim the mod value if something happens. If you are willing to just write the value off if the car is totaled they really didn't seem to care what I did.

Depends on the company. Some will refuse to insure a car with anything aftermarket in the suspension because of all the shitty mods that people did when modding cars started being the cool thing to do.

I think most have calmed down now, especially if you're not young and driving a beat up car with mods.

03-18-2015, 06:44 PM	#1
Bergen23 Banned Join Date: Dec 2014 Drives: '15 Halo FR-S Location: Ontario, Canada Posts: 1,317 Thanks: 922 Thanked 950 Times in 492 Posts Mentioned: 22 Post(s) Tagged: 0 Thread(s)	Ontario owners wondering who you guys are with and if your insurer is ok with mods? I spoke with Bel-Air today about the mods I have. They said it's fine (I don't have power adders, that may be a different story) as long as the total value is under 5000 and I take pictures of the mods and engine bay and send them to them.

03-18-2015, 07:51 PM	#2
SLVRSRFR Senior Member Join Date: Aug 2014 Drives: 2013 BRZ 6MT, 2007 WRX Wagon 5MT Location: Caledon, Ontario Posts: 1,332 Thanks: 582 Thanked 534 Times in 377 Posts Mentioned: 10 Post(s) Tagged: 2 Thread(s)	My insurance representative is a personal friend of mine/fellow gear-head... So I get a little extra lee-way __________________ @bpennerz

03-18-2015, 08:33 PM	#3
Tcoat Senior Member Join Date: Jul 2014 Drives: 2020 Hakone Location: London, Ont Posts: 69,841 Thanks: 61,656 Thanked 108,294 Times in 46,456 Posts Mentioned: 2499 Post(s) Tagged: 50 Thread(s)	I have Western Assurance and they have no issue with mods as long as I let them know when I do it. __________________ Racecar spelled backwards is Racecar, because Racecar.

03-18-2015, 09:57 PM	#4
HeadBanger Senior Member Join Date: May 2014 Drives: '14 Subaru BRZ Location: Ontario Canada Posts: 979 Thanks: 204 Thanked 409 Times in 260 Posts Mentioned: 21 Post(s) Tagged: 1 Thread(s)	I have Bel Air because I'm young and Intact wanted about double the price. So ya... __________________ Life's too short to drive a boring car

03-19-2015, 06:52 AM	#6
Tcoat Senior Member Join Date: Jul 2014 Drives: 2020 Hakone Location: London, Ont Posts: 69,841 Thanks: 61,656 Thanked 108,294 Times in 46,456 Posts Mentioned: 2499 Post(s) Tagged: 50 Thread(s)	Actually it went down! Not by a lot but the FRS has a better rating than Lancer GTs. If I do expensive mods and want them covered it would go up but it would be by very little. It would not go up in risk category though as it is still a FRS on their books no matter what I did too it. As long as the car's overall rating doesn't climb too high all is good. __________________ Racecar spelled backwards is Racecar, because Racecar.

03-19-2015, 07:39 AM	#7
drewbot ( ͡° ͜ʖ ͡°) Join Date: Sep 2013 Drives: '13 Whiteout FR-S A/T Location: Mississauga, ON Posts: 1,996 Thanks: 1,985 Thanked 1,452 Times in 752 Posts Mentioned: 36 Post(s) Tagged: 1 Thread(s)	Just wondering why you would call after you insured your car initially to then list out mods Are they going to replace them if you make a claim?

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