Modifications and insurance

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Jun 5, 2011 | 11:23 AM

SinisterC6

Thread Starter

Speedy

Joined: Mar 2007

Posts: 6,107

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From: Tn

2024 C8 of the Year Finalist - Modified

Modifications and insurance

For those of use who have purchased modifications for our cars is there a way to have them covered by insurance?

For example is there a policy that would cover my supercharger If it was damaged in an accident?

Thanks guys

Jun 5, 2011 | 11:40 AM

j_digi454

Safety Car

Joined: Sep 2006

Posts: 4,075

Likes: 6

From: Wilmington NC

I called my insurance and they said to provide the receipts (proof of installation) and it would be covered at no extra premium. I really called to see if my insurance liability would go up with the increased hp but they said no. Go figure.

Last edited by j_digi454; Jun 5, 2011 at 11:43 AM.

Jun 5, 2011 | 11:51 AM

SinisterC6

Thread Starter

Speedy

Joined: Mar 2007

Posts: 6,107

Likes: 931

From: Tn

2024 C8 of the Year Finalist - Modified

Quote:

Originally Posted by j_digi454

Thanks, who your provider?

Jun 5, 2011 | 12:23 PM

EDinPA

Le Mans Master

Joined: Aug 2009

Posts: 5,437

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From: Bucks Co. / outside Philadelphia PA

Get an agreed value policy. That way you know ahead of time exactly what the car is valued at.

Jun 5, 2011 | 12:35 PM

taken19

Track Junky

Joined: Jun 2007

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From: Orlando Area

Tech Contributor

I'm pretty sure there are additional riders that specify the specific mods and value. My insurance company specifically asked me about that when I bought the car used. I think they said the first $2k was covered but anything in addition needed a specific rider.

Sean

Jun 5, 2011 | 02:29 PM

j_digi454

Safety Car

Joined: Sep 2006

Posts: 4,075

Likes: 6

From: Wilmington NC

Quote:

Originally Posted by SinisterC6

Thanks, who your provider?

Amica Mutual Insurance Company. You deal directly with them, no Agents of middleman. I have been with them since 1976, great to deal with especially if you need them which is the real proof of a good insurance company.

Jun 5, 2011 | 02:32 PM

j_digi454

Safety Car

Joined: Sep 2006

Posts: 4,075

Likes: 6

From: Wilmington NC

Quote:

Originally Posted by taken19

When I called my insurance, it was to have a Callaway conversion by Callaway in CT which was a $22K adder and as I mentioned, all I had to do was supply proof of installation and was told there would be no increase in premium.

Jun 8, 2011 | 11:48 AM

Roofless

Drifting

Joined: Jul 2001

Posts: 1,527

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From: Tucson AZ

St. Jude Donor '11,'13

I have a blower, Blower hood adm I am fully covered with the receipts provided to my company, and a letter stating all other mods and addittions with those receipts from my insurance company clearly stating they will cover damage, not a problem