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      11-27-2011, 04:02 AM   #1
Shades of Grey
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Insurance for professionaly fitted mods!

I know this seems to be an age old question with many uncertainties however, I\'m interested if anyone has experience with divulging all professionally installed mods on their car to their insurance company.

For example: performance Dinan mods installed by BMW, or in my case a badged car modified by RDSport (RS46 - 2008 M3 e9x chassis)?

Link to my car: http://www.topspeed.com/cars/car-news/rd-sport-rs46-ar82732.html

How can these mods be presented to an insurance company?

If your a broker or work for an insurance company feel free to chime in!
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      11-27-2011, 11:08 AM   #2
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State Farm has ALWAYS covered my mods when any claims occurred.
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      11-27-2011, 11:13 AM   #3
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State Farm has ALWAYS covered my mods when any claims occurred.

Do you report to them after install?
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      11-27-2011, 11:20 AM   #4
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Do you report to them after install?
No sir.
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      11-27-2011, 11:24 AM   #5
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What kinda mod we talking about? Aftermarket Reflectors or interior trim?

I am talking about S/C Kit - $15k
Brake - $7k
Exhaust - $7K


If you total your car do you expect the insurance to pay for these?

I believe it must be reported, and your rates will rise as well...
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      11-27-2011, 11:27 AM   #6
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Quote:
Originally Posted by Brooklyn Mark View Post
What kinda mod we talking about? Aftermarket Reflectors or interior trim?

I am talking about S/C Kit - $15k
Brake - $7k
Exhaust - $7K


If you total your car do you expect the insurance to pay for these?

I believe it must be reported, and your rates will rise as well...
I have had a $2000 bumper and $3000 diffuser replaced on previous vehicles through insurance. No rate increases and nothing had to be reported in advance. I verified when I first signed up with them and they said, "Anything permanently attached to the car will be covered". To this day, they have held to that statement.
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      11-27-2011, 11:32 AM   #7
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Good to hear, I am with state farm right now.

Somebody keyed both my doors last week, I am going to file a vandalism claim and repaint my car frozen silver or gray.
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      11-27-2011, 11:34 AM   #8
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Quote:
Originally Posted by Brooklyn Mark View Post
Good to hear, I am with state farm right now.

Somebody keyed both my doors last week, I am going to file a vandalism claim and repaint my car frozen silver or gray.
I'm sure you know this already but they will not pay to have the entire car repainted.
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      11-27-2011, 04:36 PM   #9
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Quote:
Originally Posted by THE TECH View Post
I have had a $2000 bumper and $3000 diffuser replaced on previous vehicles through insurance. No rate increases and nothing had to be reported in advance. I verified when I first signed up with them and they said, "Anything permanently attached to the car will be covered". To this day, they have held to that statement.
Oddly enough, I'm not worried about exterior mods. I'm worried that a stroker engine or other significant and more visible mods would result in some insurance problem where they void my liability insurance. I could lose the car and cry a bit, but to be forever in debt from a lawsuit would be the worst. Like many people on this site, I'm not trying to get out of anything, but knowing the law and the history of what other people have experienced is key to making an informed decision on a new purchase or new mod!
Cheers!
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      11-27-2011, 08:33 PM   #10
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I'm sure you know this already but they will not pay to have the entire car repainted.

Yea, the shop is going to milk the insurance for 5k and I will cover the rest in cash.
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      12-22-2011, 09:55 AM   #11
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Having Insurance cover add on's in Ontario is very different than in the USA.
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      12-22-2011, 10:32 AM   #12
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I never get my insurance involved with any aftermarket parts.
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      12-25-2011, 09:46 AM   #13
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No insurance company will touch your car in the GTA if it's modified.
In fact if they find out, they will drop you like a hot potato.

If your car is 15 years or older you can go with Lant/Silver Wheels but that won't help much here.
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      09-26-2012, 09:34 AM   #14
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Just reviving an old thread

I'm in search of an E46 M3 to use for the track and Targa. For those of you who've put roll bars in your cars and I assume your insurance company knows nothing of the mod?

Like stated above no insurance company IN the GTA will insure my car if it's modded with roll bars.

Perhaps I'll have to go with a bolt in kit that I can remove after each event thus giving the car a visual illution that it's still stock.
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      09-26-2012, 04:50 PM   #15
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Quote:
Originally Posted by Road Cone1 View Post
No insurance company will touch your car in the GTA if it's modified.
In fact if they find out, they will drop you like a hot potato.

If your car is 15 years or older you can go with Lant/Silver Wheels but that won't help much here.
I am insured with Dominion in GTA. Mods include Dinan software, Dinan suspension, Vorsteiner front bumper, BBS 20 inch wheels, Active exhaust and a few minor cosmetic things. All mods disclosed. They required me to have an inspection. Everything is covered at no additional cost, but the insurance was not cheap to start with...
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      09-27-2012, 06:57 AM   #16
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Quote:
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I am insured with Dominion in GTA. Mods include Dinan software, Dinan suspension, Vorsteiner front bumper, BBS 20 inch wheels, Active exhaust and a few minor cosmetic things. All mods disclosed. They required me to have an inspection. Everything is covered at no additional cost, but the insurance was not cheap to start with...
I too am with Dominion however they said they would not cover me if I put a roll cage in my car
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      09-27-2012, 04:18 PM   #17
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I was told that all exterior mods are covered. Engine based is a completely different story.

Edit - I'm with Intact.

Last edited by BMW Fanatic; 09-27-2012 at 04:32 PM.
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      09-27-2012, 04:30 PM   #18
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Quote:
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I too am with Dominion however they said they would not cover me if I put a roll cage in my car
interesting. what if you got an oem roll cage? like the one in the GTS. in my case, i just got a 2008 gt3rs and i have an oem half cage (only in the back) in the car. wonder if that would pose an issue with ontario insurance companies.
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