Insurance for a 'frankenstein car'

malazn mafia · 12-02-2009, 08:26 PM

G'day, anybody have experience insuring a car which Ford did not offer from the factory (in my case, BA '02 xt with turbo 6, ghia/xr/fairlane interior, fpv kit). I'm only interested in 3rd party, as full comp may be a headache with all the mods. Cheers.

xls3v · 12-02-2009, 08:30 PM

as long as its legal some companies should be able to give you insurance try just cars

malazn mafia · 12-02-2009, 08:32 PM

Quote:

Originally Posted by xls3v

as long as its legal some companies should be able to give you insurance try just cars

an xr6t is not p-plate legal (i'm off in a 5 months anyway), but a N/A 6 (which the car is technically registered as) is..

**Falcon Coupe** · 12-02-2009, 08:33 PM

If the car is registered as an n/a 6 and you have an accident with a turbo fitted your policy would be null and void.

**Sorted** · 12-02-2009, 08:34 PM

So its just a modified BA with a Turbo - JUST CARS will do it

Rack up some history in your own name under Third Party and then when it comes to getting Comp later in Life you should be all sweet and obtain a cheaper premium

onfire · 12-02-2009, 08:35 PM

Yeah sure Just Cars will do it, for a small house deposit.

**Sorted** · 12-02-2009, 08:37 PM

Quote:

Originally Posted by onfire

Yeah sure Just Cars will do it, for a small house deposit.

pffffffffffft with an attitude like that i would be surprised if your insured.........

its TPO he wants - at the MAX it would be $600 18y/old modified car TPO

At least he is smart and he wants insurance - alot of ppl just take the risk and thnk it wont happen to them - alot of ppl have recently learnt it can happen to you and ruin the rest of your life

xls3v · 12-02-2009, 09:21 PM

yeah ive had 2 crashes both totally not my fault one i was stationary and two someone ran a give way sign and i swerved over a total lane up a banked gutter and was still hit. was lucky both cars were cheap.

can happen to anyone

RG · 12-02-2009, 09:28 PM

Quote:

Originally Posted by Sorted

pffffffffffft with an attitude like that i would be surprised if your insured.........

its TPO he wants - at the MAX it would be $600 18y/old modified car TPO

At least he is smart and he wants insurance - alot of ppl just take the risk and thnk it wont happen to them - alot of ppl have recently learnt it can happen to you and ruin the rest of your life

For some reason I doubt that a car that has modifications that mean that the owner can't legally drive it will be "cheap" to insure. That and the fact that I doubt that the car has an engineers certificate for the turbo.

Third party on a car with those mods under those circumstances, you'll be lucky to get anyone to touch it.

3vXT · 12-02-2009, 09:35 PM

Bit like asking someone to insure a car so someone without a licence can drive to work safe in the knowledge that if they have a stack then it'll be taken care of. You've got SFA chance if you're not legaly allowed to drive the car and even if you do find someone dodgey enough to do it you'll pay buckets.

**Sorted** · 12-02-2009, 10:11 PM

Well alot of e-series guys who have added turbo's to thier cars which is un-rwc in victora unless you have passed engineers and emission testings (cough cough as if thats been done) claim to have their car insured with various insurers and they say the insurers know about the turbos so i am going on by that.....................

Also a P Plater with a Turbo under Road Law doesnt it depend when you got your P's and if you had the Turbo car before the law came in?

and since he is off his P's in 5 months wouldnt this classify?

I thought the laws only came in last year?

And $600 isnt cheap since its 3 times what an over 25 year old would pay for TPO

Gaz · 12-02-2009, 10:17 PM

1) Insurance will be void because your not allowed to drive a turbo - it doesn't matter that its registered as a NA, its still got a turbo on it.
2) even if you did get away with number 1, if your turbo is not engineered insurance will be void.
3) most companies won't insure a car worth more than 5-7000 bucks for 3rd party only I have found.

RedHotGT · 12-02-2009, 10:20 PM

they'll care about the mods if you actually ever make a claim or have a smash....
because if you go an smash into a benz, and have mods like big wheels, turbo, blah blah, they will say that these caused the accident because they are not factory issue, and their insurance will probably only cover the factory dished-out gear...

even just cars/shannons, all those mobs, as soon as you start modding - they start cashing in.... and if there is any slight chance that they won't pay out a claim, then trust me they will find the loop and leave you with nothing...

insurance is great like that....

but having NO insurance is stupid full stop...
because thats when the guy around the corner decide's he'll take out his vintage ferarri just as you aren't watching and BAM.... you'll be bankrupt...

**Sorted** · 12-02-2009, 10:25 PM

Just did a quote on JustCar and its $385

:

Your available options Third Party Fire And Theft $250 per annum
Reference no: QTE518028828
Policy type: Third Party Property Damage
uote valid to: 26 Feb 2009
Postcode of insured address: 3156
Date of birth of the youngest driver: 10 Feb 1989
Gender of the youngest driver: Male
Year obtained licence: 2007
Car has been purchased: Yes
Amount covered:
Third Party Property Damage up to $20 million
Car use: Private - Private Use

You advised us your car has no unrepaired damage
Purchase date: 2005
Type of finance: No Finance

Your car
2002 FORD FALCON XT BA F/INJ 4D SEDAN 6 CYL AUTO
What is this?
Excesses
Excesses on your policy are the amounts you have to pay towards each claim.
When one or more excesses apply to your policy, they will be shown on your insurance schedule and updated on your renewal notice. If required by us, you must pay your excess before we make any payment or provide you with any policy benefits.

You will not have to pay an excess if we agree that the driver of your car is not at fault and you give us the name and address of the person who was at fault or the registration number of their car.

The different types of excesses are: Standard, Vehicle, Business Use, Age, Named Driver, Accessory, Theft and Ad-JUST.

Ad-JUST (Available for our comprehensive Car insurance Policy only)
If you choose to Ad-JUST your excess by $200, $500, $800 or $1,100, your premium will be lowered. The higher the excess selected, the bigger the discount on your premium.

Please see Policy Documents for full details of cover.
Excesses
These are the excesses you must contribute to each claim:
Standard Excess $500
If applicable, you may also need to pay one or more of the following excesses in addition to the excesses listed above.

Age Excesses

• Female Drivers Aged 16 - 21 $650
• Female Drivers Aged 22 - 24 $550
• Male Drivers Aged 16 - 21 $700
• Male Drivers Aged 22 - 24 $600
Driving history of the youngest driver
The driving history of the youngest driver for the past 3 years is:
Claims and Accidents
Nil
Thefts
Nil
Licence Suspensions/Cancellations & Disqualifications
Nil
What is this?
Modifications we have agreed to cover
A modification is an alteration, conversion or change made to your car from its manufacturer's specifications (e.g. lowering the car's height by changing/altering the suspension, changing the exhaust system by fitting a larger one, adding a body kit, etc).
Your Just Car Insurance policy will only cover your car and its modifications if they are road worthy, legal and we have agreed to cover them in writing.
Modifications we have agreed to cover
Turbo Charged
What is this?
Non-standard accessories we have agreed to cover
These are accessories fitted to your car that did not come standard from the manufacturer. These can include optional extras and/or after market accessories e.g. sound system, alarm, sunroof etc.
Your Just Car Insurance policy will only cover your car and its accessories if they are roadworthy, legal and we have agreed to cover them in writing.
Non-standard accessories we have agreed to cover
You advised us there were no non-standard accessories on the car
Endorsements
Nil

PS he hasnt mentioned the Turbo is UNRWC and I am pretty sure putting a turbo on a B-Series would be faily easy to get RWC as they came out as a factory option

Gobes32 · 12-02-2009, 10:29 PM

Maybe delete some of your personal details mate........

**Falcon Coupe** · 12-02-2009, 10:29 PM

Roadworthy and legal means registered and engineered as a turbo, they will take the money sure, but good luck making a claim.

malazn mafia · 12-02-2009, 10:30 PM

Quote:

Originally Posted by Sorted

Just did a quote on JustCar and its $385

:

Your available options Third Party Fire And Theft $250 per annum
Reference no: QTE518028828
Policy type: Third Party Property Damage
uote valid to: 26 Feb 2009
Postcode of insured address: 3156
Date of birth of the youngest driver: 10 Feb 1989
Gender of the youngest driver: Male
Year obtained licence: 2007
Car has been purchased: Yes
Amount covered:
Third Party Property Damage up to $20 million
Car use: Private - Private Use

You advised us your car has no unrepaired damage
Purchase date: 2005
Type of finance: No Finance

Your car
2002 FORD FALCON XT BA F/INJ 4D SEDAN 6 CYL AUTO
What is this?
Excesses
Excesses on your policy are the amounts you have to pay towards each claim.
When one or more excesses apply to your policy, they will be shown on your insurance schedule and updated on your renewal notice. If required by us, you must pay your excess before we make any payment or provide you with any policy benefits.

You will not have to pay an excess if we agree that the driver of your car is not at fault and you give us the name and address of the person who was at fault or the registration number of their car.

The different types of excesses are: Standard, Vehicle, Business Use, Age, Named Driver, Accessory, Theft and Ad-JUST.

Ad-JUST (Available for our comprehensive Car insurance Policy only)
If you choose to Ad-JUST your excess by $200, $500, $800 or $1,100, your premium will be lowered. The higher the excess selected, the bigger the discount on your premium.

Please see Policy Documents for full details of cover.
Excesses
These are the excesses you must contribute to each claim:
Standard Excess $500
If applicable, you may also need to pay one or more of the following excesses in addition to the excesses listed above.

Age Excesses

• Female Drivers Aged 16 - 21 $650
• Female Drivers Aged 22 - 24 $550
• Male Drivers Aged 16 - 21 $700
• Male Drivers Aged 22 - 24 $600
Driving history of the youngest driver
The driving history of the youngest driver for the past 3 years is:
Claims and Accidents
Nil
Thefts
Nil
Licence Suspensions/Cancellations & Disqualifications
Nil
What is this?
Modifications we have agreed to cover
A modification is an alteration, conversion or change made to your car from its manufacturer's specifications (e.g. lowering the car's height by changing/altering the suspension, changing the exhaust system by fitting a larger one, adding a body kit, etc).
Your Just Car Insurance policy will only cover your car and its modifications if they are road worthy, legal and we have agreed to cover them in writing.
Modifications we have agreed to cover
Turbo Charged
What is this?
Non-standard accessories we have agreed to cover
These are accessories fitted to your car that did not come standard from the manufacturer. These can include optional extras and/or after market accessories e.g. sound system, alarm, sunroof etc.
Your Just Car Insurance policy will only cover your car and its accessories if they are roadworthy, legal and we have agreed to cover them in writing.
Non-standard accessories we have agreed to cover
You advised us there were no non-standard accessories on the car
Endorsements
Nil

PS he hasnt mentioned the Turbo is UNRWC and I am pretty sure putting a turbo on a B-Series would be faily easy to get RWC as they came out as a factory option

Hmm... i looked at just cars website before and didnt see the 'turbo charged' option

: .. I'll have a look again.

Anybody ever claimed on third party and needed to get the car inspected? AFAIK, a few ppl i've known of only had to fork out the premium to cover the third party, no inspection of their vehicle was needed, since their not claiming for repairs to their own car. I'd imagine a valid licence check or police check would have followed (behind the scenes perhaps).

**Sorted** · 12-02-2009, 10:36 PM

Quote:

Originally Posted by Gobes32

Maybe delete some of your personal details mate........

lol not my details - i just made them up going on what he has said in this thread

but yeah thanks for looking out anyway

malazn mafia · 12-02-2009, 10:42 PM

Thanks Sorted, had a second look at the website and found the turbo option, price was around the same as what you showed.

Mr Hardware · 12-02-2009, 10:51 PM

If you're not licenced to drive the car (ie p plater driving a turbo) it doesn't matter what insurance you have, it is null and void.

onfire · 12-02-2009, 10:52 PM

Is it the original engine or an XR6t engine? Did you consider it as a simply being deemed a " Turbo Car " or would it be classed under " turbo upgrade " ? There is an " turbo/s Upgrade option on justcars. Did you also consider the FPV Kit, exhaust, Headers, and the handful of other mods?

" You advised us there were no non-standard accessories on the car " umm.

**Sorted** · 12-02-2009, 10:55 PM

Quote:

Originally Posted by malazn mafia

Thanks Sorted, had a second look at the website and found the turbo option, price was around the same as what you showed.

As has been said as long as its legal and rwc you shouldn't have an issue

Unsure about P Plate Law

BUT i guess at the end of the day if your already driving the car without insurance and you don't comply with your car being RWC or your Licence does not allow you to drive a Turbo Car and your driving anyway un-insured I guess its better than nothing and gambling that if you have a claim the insurer will pay out.

We had a claim were the driver had a DUI offence, he didn't advise us when he issued cover with us but he noted on his claim form he had a DUI offence, even though the insurer in this case does not insure drivers with DUI's they paid out on this claim but cancelled the policy after the car was repaired

We also had a claim where the insured forgot to pay his registration, he had an accident a 7 days after his reg was due and his policy was overdue by 7 days, he paid his reg, he paid his policy, the car was a write off, the insurer knew these details and paid the claim.

ALL Insurance Company's aren't there to take your money and run, you always hear about the bad stories but never the good ones

:

For example with the Victorian Fires - all insurers have stepped up and either paid emergency amounts of around $20,000 or even settled on Total Loss's and the money is already in the banks of those who are insured - the media does not report on that do they?

wodahs · 12-02-2009, 11:23 PM

Quote:

Originally Posted by Sorted

Just did a quote on JustCar and its $385

:

Your available options Third Party Fire And Theft $250 per annum
Reference no: QTE518028828
Policy type: Third Party Property Damage
uote valid to: 26 Feb 2009
Postcode of insured address: 3156
Date of birth of the youngest driver: 10 Feb 1989
Gender of the youngest driver: Male
Year obtained licence: 2007
Car has been purchased: Yes
Amount covered:
Third Party Property Damage up to $20 million
Car use: Private - Private Use

You advised us your car has no unrepaired damage
Purchase date: 2005
Type of finance: No Finance

Your car
2002 FORD FALCON XT BA F/INJ 4D SEDAN 6 CYL AUTO
What is this?
Excesses
Excesses on your policy are the amounts you have to pay towards each claim.
When one or more excesses apply to your policy, they will be shown on your insurance schedule and updated on your renewal notice. If required by us, you must pay your excess before we make any payment or provide you with any policy benefits.

You will not have to pay an excess if we agree that the driver of your car is not at fault and you give us the name and address of the person who was at fault or the registration number of their car.

The different types of excesses are: Standard, Vehicle, Business Use, Age, Named Driver, Accessory, Theft and Ad-JUST.

Ad-JUST (Available for our comprehensive Car insurance Policy only)
If you choose to Ad-JUST your excess by $200, $500, $800 or $1,100, your premium will be lowered. The higher the excess selected, the bigger the discount on your premium.

Please see Policy Documents for full details of cover.
Excesses
These are the excesses you must contribute to each claim:
Standard Excess $500
If applicable, you may also need to pay one or more of the following excesses in addition to the excesses listed above.

Age Excesses

• Female Drivers Aged 16 - 21 $650
• Female Drivers Aged 22 - 24 $550
• Male Drivers Aged 16 - 21 $700
• Male Drivers Aged 22 - 24 $600
Driving history of the youngest driver
The driving history of the youngest driver for the past 3 years is:
Claims and Accidents
Nil
Thefts
Nil
Licence Suspensions/Cancellations & Disqualifications
Nil
What is this?
Modifications we have agreed to cover
A modification is an alteration, conversion or change made to your car from its manufacturer's specifications (e.g. lowering the car's height by changing/altering the suspension, changing the exhaust system by fitting a larger one, adding a body kit, etc).
Your Just Car Insurance policy will only cover your car and its modifications

Quote:

Originally Posted by malazn mafia

an xr6t is not p-plate legal (i'm off in a 5 months anyway), but a N/A 6 (which the car is technically registered as) is.

if they are road worthy, legal and we have agreed to cover them in writing.

Modifications we have agreed to cover
Turbo Charged
What is this?
Non-standard accessories we have agreed to cover
These are accessories fitted to your car that did not come standard from the manufacturer. These can include optional extras and/or after market accessories e.g. sound system, alarm, sunroof etc.
Your Just Car Insurance policy will only cover your car and its accessories if they are roadworthy, legal and we have agreed to cover them in writing.
Non-standard accessories we have agreed to cover
You advised us there were no non-standard accessories on the car
Endorsements
Nil

PS he hasnt mentioned the Turbo is UNRWC and I am pretty sure putting a turbo on a B-Series would be faily easy to get RWC as they came out as a factory option

so at the moment its not legal and would need to be before going throu or this could also deem to be fraudulent
and even thou they say they will cover him , if its illegal for him to drive then even that they have insured the vehicle they dont have to pay if he's in an accident because he shouldnt have been in that vehicle with out the corect licence

eg we had a situation at work a few years back where we had a casual semi driver who had a licence to drive manual (non auto) semi's but only sequential manuals and we have non sequential (crash box) no real big difference both have 18 gears but ones a little harder to operate
well a car came out of a drive way with out looking he went over it the cops charged the car driver and insurance wouldnt pay out because he didnt have the correct license for the vehicle

WILDB · 13-02-2009, 12:15 AM

Quote:

Originally Posted by Falcon Coupe

If the car is registered as an n/a 6 and you have an accident with a turbo fitted your policy would be null and void.

+1 Also as you aren't licenced to drive a turbo vehicle the insurance would be null and void anyway. A friend of my parents was involved in a not at fault collision with an unlicenced driver (and let's face it, you aren't licenced to drive the turbo) and had to take the other party to court in an attempt to recover damages to their vehicle. The at fault party in this case (unlicenced driver) now has to cough up court costs, solicitors fees, damages to property and compensation.

Hemicuda · 16-02-2009, 05:19 PM

Just be prepared if you stack it.
Have all the standard parts ready and waiting to go back in when and if you do have to make a claim. Make sure car is towed to your house and get to work.
I remember back in the late 80's a similar incident happened to me. My XC rally pack was insured as standard and with 302. Although i did have a 351 crank in it which was a bit hard for the average assessor to prove. When i had to claim it was as easy as off with the holley on with the carter, remove 10" rear 12 slotters on 265's and on with the stockies, remove the sport twirler and all good, everyone happy. I can assure you too that none of my non standard modifications contributed to my accident, just simply not concentrating.

gu4800 · 16-02-2009, 07:02 PM

Obviously, anyone supporting this question/action have never had an accident (or personally know someone who has) and not been covered by insurance.

Even a small accident in today's money is around $3,000. Imagine a big hit? $10,000, $20,000 or more?

Yo WILL be paying for that until it is repaid - paying a $20,000+ debt for nothing. Sound like fun?

Oh, and bankruptcy - not a good idea either. Even people with good credit can find it difficult to get finance for some things these days. It is a very different world in financial circles these.

Let's assume you are 18 now - do you still want this hanging over your head when are 22 or 25?

Not worth the risk in my opinion.

Rodp · 16-02-2009, 08:36 PM

Quote:

Originally Posted by Hemicuda

Just be prepared if you stack it.
Have all the standard parts ready and waiting to go back in when and if you do have to make a claim. Make sure car is towed to your house and get to work.

So, in other words, you're suggesting that the OP commit insurance fraud..

Hemicuda · 17-02-2009, 02:01 PM

Well, it sounds like the man just can't wait and has to have what he wants so this is just an option if he wants to avoid a possible lifetime of debt, also in the case an accident does occur thru his own fault then the victim, who may have only third party insurance, is compensated without having to sue for damages. If you have no assets a court may grant the victim $10 a week. (Also if the car is under finance and ins. policy is deemed void then the courts would order the finance be paid first before the victim can be entitled to a cracker of any garnished wage monies.) Would you be satisfied with that if you were the victim? Do you really think that is fair?
A few years back a young guy hit my uninsured. boat on a jetski so hard it cracked the hull and transom so bad that it sunk within 2 minutes. The jetski rider quickly disappeared so i had to swim to shore as the boat sank about 200m before i could make it. Some witnesses saw it and one kindly offered me a ride to the ramp where i waited and eventually greeted the rider. He was abusive and communication was difficult with him so i called the police. Luckily his father arrived and explained that the jetski was a week old and and the first time his son had ridden one. He said that it was insured but only if i tell the police he was piloting the jetski. Thank god i spoke to the father before the police arrived 'coz i surely would have put my foot in it and ended up with a $20000 loss. Life is full of risks and people will always do stupid things, so why should i have to pay for someone elses stupidity when, with a little harmless deviation from the truth, i was fully compensated. I am sure bigger lies, in the quest of the almighty dollar, get told daily by more reputable than me.
Its not my job to tell how this young man how to live his life. I am sure he is aware of the law but chooses not to comply to the exact letter of it. So this is just a suggestion so he can protect others' property in the event of an accident. That's all.

Paddyboy · 17-02-2009, 02:18 PM

The new P plate laws say no turbo, even under the old laws of 3.5 litre per tonne and 125kw per tonne, he still wouldnt qualify. So yes this car, with insurance is still illegal to drive and personally mate I think you're an idiot. I see P platers driving illegal cars all the time and doing stupid stuff and getting in big trouble because of it. Just think about what you are doing. My mates son got caught driving a standard xr6 turbo on his P's and got hit big time with fines and loss of liscence which he is struggling to afford. Its not worth the risk, and to those here on the forums encouraging him (expecially people who are senior members) to drive this car or do dodgy things to get it insured are just as stupid and irresponsible. Think before yoiu write. We have to encourage young drivers to do the right thing.

AUIIForte · 17-02-2009, 03:27 PM

Quote:

Originally Posted by Rodp

So, in other words, you're suggesting that the OP commit insurance fraud..

Its better then getting void because you didn't claim a modification you made, which would have absolutely nothing to do with the crash. If these insurance companies can play with us like little dolls, why cant we, if we know we can get away with it.