letter from my insurance ... bad news for customized cars

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letter from my insurance ... bad news for customized cars

By teal_dx
- Mon Sep 22, 2008 1:45 pm #70963 Recently my insurance company changed their policy. Now in a loss, only $1000 worth of "customized" parts is covered.
They gave a list of things that are considered to be custom and it covered everything from wheels, exhaust, suspension stuff to dvd player, seats, even aftermarket paint jobs.

A few months ago when I put my civic on insurance their policy was "be able to produce a receipt showing the value of the modification(s)" and it would be covered in a loss.

I have all my vehicles & home with Farmers Insurance, so I don't think I'm going to change companies because I get a great rate. But if my civic gets stolen, I'm shit outta luck :( I'm seriously considering LoJack now.

What is your insurance companie's policy on customized vehicles? :?
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By CivicTypeR
- Mon Sep 22, 2008 2:01 pm #70964 Insurance in the UK is a joke. You guys in the US get shit loads of benefits. My insurance costs me £200 a month. That's for what is known as Third Party, Fire and Theft. These are the only three things I'm covered on. Insurers in the UK don't give us anything if our cars are modified. If you take out insurance, you'll have to pay extra for all the modifications you have on your car, on top of the insurance itself. If you dont and you drive around in a modified car, you are liable to have your insurance void in an accident.

In the hole, insurance is day light robery IMO.

Re: letter from my insurance ... bad news for customized car

By Bowman06
- Mon Sep 22, 2008 2:46 pm #70969
teal_dx wrote:Recently my insurance company changed their policy. Now in a loss, only $1000 worth of "customized" parts is covered.
They gave a list of things that are considered to be custom and it covered everything from wheels, exhaust, suspension stuff to dvd player, seats, even aftermarket paint jobs.

A few months ago when I put my civic on insurance their policy was "be able to produce a receipt showing the value of the modification(s)" and it would be covered in a loss.

I have all my vehicles & home with Farmers Insurance, so I don't think I'm going to change companies because I get a great rate. But if my civic gets stolen, I'm shit outta luck :( I'm seriously considering LoJack now.

What is your insurance companie's policy on customized vehicles? :?


Buy LoJack today.
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By Vti93T
- Mon Sep 22, 2008 3:46 pm #70973 my insurance is tight..I pay $104 a month for full coverage. I was with farmers and they were killing me $115 for just liability..yeah screw that. My friend is a broker for progressive so he gave me all the discounts and now only pay $104 for full coverage instead of $350 that farmers was going to charge me. Anyway, I had asked him if I my car happened to get stolen if my rims would be covered and he said yeah and my weds are well...pricey..so yeah I love my insurance..out here in CALI it's "west cost insurance" but it's just a branch off progressive.
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By Greasedmonkey
- Mon Sep 22, 2008 4:30 pm #70996 I just have liability on both my cars. I should switch it since they both like acting like boats when it rains...
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By CivicTypeR
- Mon Sep 22, 2008 5:26 pm #71006
Graham wrote:Yup insurance here = beyond a joke :thumbdown:


My dad pays £126 for the year to insure his 2.0 Peugeot 307

I pay £200 a month for my 1.6 Honda Civic

Just because I'm 19. What a fucking load of shit. Insurance is a fucking scam in the UK.
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By thedaemon
- Mon Sep 22, 2008 7:46 pm #71018 Wow, I pay $11 a month for liability for my civic. No real mods yet, but my insurance company is great about mods. I wrecked a 240sx with some mods and they gave me a crap ton of money for it! I have USAA, which not everyone can get. :\
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By JlaudioEGFreak
- Mon Sep 22, 2008 11:31 pm #71057 wow thats wicked cheap.. i pay 267 a month just for liability on my 92 civic hatch. but that might be that im 20 and i have a DUI, 2 Speeding tickets, a reckless driving, and 2 accidents. :?
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By Greasedmonkey
- Mon Sep 22, 2008 11:32 pm #71059 you think?
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By JlaudioEGFreak
- Tue Sep 23, 2008 12:50 am #71077 if you want to live life on your own terms you have to be willing to crash and burn a few times.
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By LaMbErT*
- Thu Sep 25, 2008 6:30 pm #71488 I HATE INSURANCE COMPANIES!!!!111ONEONEONE

Ah mean seriously they are just as bad as the fucking government for taking every penny they can off us and not giving anything in return!


Biggest load of bollox in the uk, insurance companies= WANKERS!
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By CivicTypeR
- Thu Sep 25, 2008 9:27 pm #71505
LaMbErT* wrote:I HATE INSURANCE COMPANIES!!!!111ONEONEONE

Ah mean seriously they are just as bad as the fucking government for taking every penny they can off us and not giving anything in return!


Biggest load of bollox in the uk, insurance companies= WANKERS!


Lol, most insurance companys are owned by the goverment.
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