HUGE insurance problem - help me!

Tashybaby · 5th January 2004, 03:58 PM

i know this topics prob been covered alot but I havent found anything usefull. I just rung my insurance company to talk to them about alarms and somehow got onto the topic of modifications. It seems that I cant make ANY modifications to my car except tinting the windows or they will cancel my insurance!!
Does anyone know of a good insurance company that will insure me when I modify my car or will I have to just go without insurance?
Im an under 25 female and I own a 93 civic SiR. Im insured with BNZ bank (which is IAG or something) and Ive been turned down by ami who I used to have insurance with.
Can someone please help me!

Woody · 5th January 2004, 04:01 PM

Best you can do is shop around.
Unfortunately, if you want to modify, you may be looking at NAC or Inbroke as your only options
Ring an insurance broker, make them do the running around for you.

Locust2000 · 5th January 2004, 04:04 PM

I'm with BNZ and do my insurance through them9The PremierBatch part of State Insurance or something). I'm 24yo male with a '93 VTI-R integra in Auckland(about the worst combination except my no claim history)so if I got insurance through them you surely can. For my mags they just asked if I had locknuts. For the stereo they just asked if the head unit was under $1,000(Didn't say anything about the rest of the stereo, have to take your chance with that!) and said it had a different exhaust and pod filter but was all legal and they didn't care. How was I suppsoed to know it had Type R cams etc!!!

When I got insurance the car was standard though and I added those things afterwards. Didn't change premiums/excess etc.

Mattching · 5th January 2004, 04:07 PM

just dont let them rape ur cash if there gonna charge u an arm Etc think 3rd party ull save in the long run ERRR maybe

FLYRYD · 5th January 2004, 04:19 PM

insurance was quite easy for me to get... suprisingly

i am 19 male, i have been suspended before. i insured my ITR under my name.
stated it was a "performance car" with exhaust, extractors and a few other things.

and it only costs $650 for full cover, but i think the reason is because it is insured with the rest of the family things through a broker.

Jetspeed · 5th January 2004, 04:43 PM

yeah i put a bodykit on mine and it didnt tell them but cause when i first purchased my car it had spoilers on it, it was sweet as ive had my car stolen and shit and even the insurance company when they wrote it off paid out more than what my car was insured for im with Mobile Insurance up in auckland and im 19 m with siR integra vtec and shit and i pay $105 a month

Tashybaby · 5th January 2004, 05:17 PM

I just rang round a few companies and insure direct have overed me insurance. Same excess as before but just a slightly higher premium. has anyone heard of this company and know if they are good or dodgy etc?

Woody · 5th January 2004, 05:21 PM

Quote:

Originally Posted by Tashybaby

I just rang round a few companies and insure direct have overed me insurance. Same excess as before but just a slightly higher premium. has anyone heard of this company and know if they are good or dodgy etc?

Insure Direct is Inbroke :wink:
Did you find out the theft excess? That's the clincher
Who did you speak to?

Can't say I know of how they handle claims - but I've partied with the owner a few times, and the CS crew are all good friends of mine.
Pretty honest bunch really

Cement · 5th January 2004, 05:23 PM

I have said it mannnny times ... never call them, go and see them in person !! If you are responicible and mature and all that mumbo you should have far greater chance of getting some love from them.

igor · 5th January 2004, 05:55 PM

Quote:

Originally Posted by Tashybaby

i know this topics prob been covered alot but I havent found anything usefull. I just rung my insurance company to talk to them about alarms and somehow got onto the topic of modifications. It seems that I cant make ANY modifications to my car except tinting the windows or they will cancel my insurance!!
Does anyone know of a good insurance company that will insure me when I modify my car or will I have to just go without insurance?
Im an under 25 female and I own a 93 civic SiR. Im insured with BNZ bank (which is IAG or something) and Ive been turned down by ami who I used to have insurance with.
Can someone please help me!

Thats really weird, I'm insured for my Galant (and I used to have the Mini as well) with them. They said to me that I could have up to 3g's worth of mods to the car before they would not insure me, and if I put a stereo in without alarming and immobilising the car, if it was stolen the theft only excess would be the value of the stereo. With an approved alarm/immobiliser they would quite happily keep my excess at the same level as it is currently ( $750 ).

It is a 1994 Galant tho (not a Vr-4) so that could be the difference.

Although they did insure the Mini with over 4g's worth of engine and a roll-cage.

If you really cannot get insurance you are almost guaranteed to get it through the National Auto Club, just be sitting down when you find out how much it is going to cost you. :!:

DrTec · 5th January 2004, 10:22 PM

Man i reckon it depends who you strike aye

Iv never had problems insuring... although i go thru a broker and its along with family car and shit...
Mags are insured seperately... and the only thing is, the car had to be taken for me to get money for them.. Mags get niked outside the house..

sucks to be me..

Take that guys (sorry fogot screeneame) advice.. GO and talk to them.. ringing makes it easier for them to say NO and hang up

Canuck Kid · 5th January 2004, 11:02 PM

Yeah go into the office! thats what i did. They just want to see a mature young adult. I got full cover on a 96 ITR for around 700 and i'm 19!! so if i can get it so can you! Just pleed with them saying your not going to do anything stupid. They are in the business to make money, so show them you will make them money, not cost them. just my 2 cents

crshbndct · 5th January 2004, 11:31 PM

i dotn have insurance.....
the car is registered under a business so i have got automatic 1,000,000 dollar cover thru my dad's business insurance
and i am an employes so its totally legit.... errr..... yeah something

PAGEZ · 6th January 2004, 01:24 PM

most insurance companies have a NO ENGINE AND PERFORMANCE enhancements clause on their policies and they all have niche markets but unfortunately only (to my knowledge) NZ autocar club will readily ensure young people.... good luck, personally id ring around a few brokers

Turm · 6th January 2004, 03:34 PM

i had a standard civic insured with ami then i got the teg
so i went in and saw them and they were sweet, i think it depends oon the area, and the mood of the branch manager :p

i have- exhaust, 17's, stereo, lowered (thats the one they didnt really wanna go on till i begged them :p), intake chip. and also i have a DIC to my name (dont hold it against me) and im 18

so AMI _CAN_ be sweet i think you just need a bit of history with them, and GO IN AND SEE THEM.

funkymonkey · 6th January 2004, 04:10 PM

or u can just not get insured thats what im doing

i knnow i know i really should get some but i cant afford it it wil cost me way too much ive lost my license 3 times allrerady (yes im a dumbass) and im under 25 male liveing in auckland now can u tell me of a worse combo?

Bullitt · 6th January 2004, 05:07 PM

Quote:

Originally Posted by funkymonkey

can u tell me of a worse combo?

Crashing into a brand new BMW and writing it off and it being your fault

funkymonkey · 6th January 2004, 05:22 PM

Quote:

Originally Posted by Bullitt

Quote:

Originally Posted by funkymonkey

can u tell me of a worse combo?

Crashing into a brand new BMW and writing it off and it being your fault

well yes i spose it is but i cant get insurance if i cant afford to pay for it can i?and if i did crash into a nice car that i would be paying off for the rest of my life goodbye nz hello some 3rd world country

R_mearnsy · 6th January 2004, 08:21 PM

[quote="funkymonkey"]

Quote:

Originally Posted by Bullitt

Quote:

Originally Posted by funkymonkey

can u tell me of a worse combo?

and if i did crash into a nice car that i would be paying off for the rest of my life

hahahahhahahha that reminds me of this person i know,. No license, took the olds car out for a drive WITHOUT permision. Crashed into some new Ducati motorbike (or the likes of) and now she has to pay someone (or someplace) $5(i think) a week for the rest of her life! hahahahhahah

i kid you not!

funkymonkey · 6th January 2004, 08:50 PM

[quote="R_mearnsy"]

Quote:

Originally Posted by funkymonkey

Quote:

Originally Posted by Bullitt

Quote:

Originally Posted by funkymonkey

can u tell me of a worse combo?

and if i did crash into a nice car that i would be paying off for the rest of my life

hahahahhahahha that reminds me of this person i know,. No license, took the olds car out for a drive WITHOUT permision. Crashed into some new Ducati motorbike (or the likes of) and now she has to pay someone (or someplace) $5(i think) a week for the rest of her life! hahahahhahah

i kid you not!

only $5 a week thats cheap as i could even do that

R_mearnsy · 6th January 2004, 10:06 PM

[quote="funkymonkey"]

Quote:

Originally Posted by R_mearnsy

Quote:

Originally Posted by funkymonkey

Quote:

Originally Posted by Bullitt

Quote:

Originally Posted by funkymonkey

can u tell me of a worse combo?

and if i did crash into a nice car that i would be paying off for the rest of my life

hahahahhahahha that reminds me of this person i know,. No license, took the olds car out for a drive WITHOUT permision. Crashed into some new Ducati motorbike (or the likes of) and now she has to pay someone (or someplace) $5(i think) a week for the rest of her life! hahahahhahah

i kid you not!

only $5 a week thats cheap as i could even do that

so could i ....But how degrading!!!!!

WOLF · 8th January 2004, 02:18 PM

Quote:

Originally Posted by Locust2000

I'm with BNZ and do my insurance through them9The PremierBatch part of State Insurance or something). I'm 24yo male with a '93 VTI-R integra in Auckland(about the worst combination except my no claim history)so if I got insurance through them you surely can. For my mags they just asked if I had locknuts. For the stereo they just asked if the head unit was under $1,000(Didn't say anything about the rest of the stereo, have to take your chance with that!) and said it had a different exhaust and pod filter but was all legal and they didn't care. How was I suppsoed to know it had Type R cams etc!!!

When I got insurance the car was standard though and I added those things afterwards. Didn't change premiums/excess etc.

yeah went to bnz today and they would sure me and the batty and the honda integra to so it is sweet.

5th January 2004, 03:58 PM	#1 (permalink)
Tashybaby Member 700rpm (Idle) Join Date: Aug 2003 Posts: 31	HUGE insurance problem - help me! i know this topics prob been covered alot but I havent found anything usefull. I just rung my insurance company to talk to them about alarms and somehow got onto the topic of modifications. It seems that I cant make ANY modifications to my car except tinting the windows or they will cancel my insurance!! Does anyone know of a good insurance company that will insure me when I modify my car or will I have to just go without insurance? Im an under 25 female and I own a 93 civic SiR. Im insured with BNZ bank (which is IAG or something) and Ive been turned down by ami who I used to have insurance with. Can someone please help me!

5th January 2004, 04:01 PM	#2 (permalink)
Woody Team NZH: Mod 8,000rpm (B Series Redline!) Join Date: Sep 2002 Posts: 5,967 Location: Auckland	Best you can do is shop around. Unfortunately, if you want to modify, you may be looking at NAC or Inbroke as your only options Ring an insurance broker, make them do the running around for you. __________________ Crack open a Woody today ~ iKirst Kreated - Car ~ 07 Ford Escape ~

5th January 2004, 04:04 PM	#3 (permalink)
Locust2000 Senior Member 5,000rpm (VTEC Power!) Join Date: Feb 2002 Posts: 966 Location: Hamilton	I'm with BNZ and do my insurance through them9The PremierBatch part of State Insurance or something). I'm 24yo male with a '93 VTI-R integra in Auckland(about the worst combination except my no claim history)so if I got insurance through them you surely can. For my mags they just asked if I had locknuts. For the stereo they just asked if the head unit was under $1,000(Didn't say anything about the rest of the stereo, have to take your chance with that!) and said it had a different exhaust and pod filter but was all legal and they didn't care. How was I suppsoed to know it had Type R cams etc!!! When I got insurance the car was standard though and I added those things afterwards. Didn't change premiums/excess etc. __________________ B18C + TD05H-16G + Water to Air = Boosting at 2000rpm + 291whp! Jumping on the build thread bandwagon

5th January 2004, 04:07 PM	#4 (permalink)
Mattching Senior Member 700rpm (Idle) Join Date: Oct 2003 Posts: 192	just dont let them rape ur cash if there gonna charge u an arm Etc think 3rd party ull save in the long run ERRR maybe __________________ VTEC "im lovin it" http://profiles.nzhondas.com/profile1098.html

5th January 2004, 04:19 PM	#5 (permalink)
FLYRYD Senior Member 8,000rpm (B Series Redline!) Join Date: Mar 2002 Posts: 5,553 Location: Auckland	insurance was quite easy for me to get... suprisingly i am 19 male, i have been suspended before. i insured my ITR under my name. stated it was a "performance car" with exhaust, extractors and a few other things. and it only costs $650 for full cover, but i think the reason is because it is insured with the rest of the family things through a broker. __________________ 2003 S2000 Type-V. The S stands for slow

5th January 2004, 04:43 PM	#6 (permalink)
Jetspeed Member 700rpm (Idle) Join Date: Aug 2003 Posts: 63	yeah i put a bodykit on mine and it didnt tell them but cause when i first purchased my car it had spoilers on it, it was sweet as ive had my car stolen and shit and even the insurance company when they wrote it off paid out more than what my car was insured for im with Mobile Insurance up in auckland and im 19 m with siR integra vtec and shit and i pay $105 a month __________________ buy honda buy vtec

5th January 2004, 05:17 PM	#7 (permalink)
Tashybaby Member 700rpm (Idle) Join Date: Aug 2003 Posts: 31	I just rang round a few companies and insure direct have overed me insurance. Same excess as before but just a slightly higher premium. has anyone heard of this company and know if they are good or dodgy etc?

5th January 2004, 05:23 PM	#9 (permalink)
Cement Team NZH: Retired 6,000rpm (Max Torque) Join Date: Jan 2002 Posts: 1,686	I have said it mannnny times ... never call them, go and see them in person !! If you are responicible and mature and all that mumbo you should have far greater chance of getting some love from them.

5th January 2004, 10:22 PM	#11 (permalink)
DrTec Senior Member 8,000rpm (B Series Redline!) Join Date: Apr 2003 Posts: 4,256 Location: Wellington	Man i reckon it depends who you strike aye Iv never had problems insuring... although i go thru a broker and its along with family car and shit... Mags are insured seperately... and the only thing is, the car had to be taken for me to get money for them.. Mags get niked outside the house.. sucks to be me.. Take that guys (sorry fogot screeneame) advice.. GO and talk to them.. ringing makes it easier for them to say NO and hang up __________________ '98 R33 GTS25t

5th January 2004, 11:02 PM	#12 (permalink)
Canuck Kid Junior Member 700rpm (Idle) Join Date: Nov 2003 Posts: 22	Yeah go into the office! thats what i did. They just want to see a mature young adult. I got full cover on a 96 ITR for around 700 and i'm 19!! so if i can get it so can you! Just pleed with them saying your not going to do anything stupid. They are in the business to make money, so show them you will make them money, not cost them. just my 2 cents

5th January 2004, 11:31 PM	#13 (permalink)
crshbndct Senior Member 6,000rpm (Max Torque) Join Date: Jan 2002 Posts: 2,260 Location: Whangarei	i dotn have insurance..... the car is registered under a business so i have got automatic 1,000,000 dollar cover thru my dad's business insurance and i am an employes so its totally legit.... errr..... yeah something __________________ ce1 accord wagon 76 ke35 coupe, 1ggte going in.

6th January 2004, 01:24 PM	#14 (permalink)
PAGEZ Senior Member 5,000rpm (VTEC Power!) Join Date: May 2003 Posts: 1,457	most insurance companies have a NO ENGINE AND PERFORMANCE enhancements clause on their policies and they all have niche markets but unfortunately only (to my knowledge) NZ autocar club will readily ensure young people.... good luck, personally id ring around a few brokers

6th January 2004, 03:34 PM	#15 (permalink)
Turm Senior Member 3,000rpm (Grandma Drag) Join Date: Mar 2003 Posts: 399	i had a standard civic insured with ami then i got the teg so i went in and saw them and they were sweet, i think it depends oon the area, and the mood of the branch manager :p i have- exhaust, 17's, stereo, lowered (thats the one they didnt really wanna go on till i begged them :p), intake chip. and also i have a DIC to my name (dont hold it against me) and im 18 so AMI _CAN_ be sweet i think you just need a bit of history with them, and GO IN AND SEE THEM. __________________ http://profiles.nzhondas.co.nz/profile.php?id=992 ex 89 Civic ex 92 facelift xsi integra ex nissan 200sex current ride: P10 primera

6th January 2004, 04:10 PM	#16 (permalink)
funkymonkey Senior Member 7,000rpm (Peak Power) Join Date: Sep 2002 Posts: 4,225 Location: Wellsford	or u can just not get insured thats what im doing i knnow i know i really should get some but i cant afford it it wil cost me way too much ive lost my license 3 times allrerady (yes im a dumbass) and im under 25 male liveing in auckland now can u tell me of a worse combo? __________________ To be old and wise you first have to be young and stupid

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