Can someone please clarify a couple of things (someone who actually *knows* not thinks!..
If there are illegal modifications on the vehicle, if they are listed on a policy can they refuse a claim? What if they are not listed on the policy but say someone is killed and the cops are brought to the scene? (worst case scenario) or the car is just generally given the go over and theres no chance of taking off any mods prior that may be on the vehicle.
Some common things such as aftermarket exhaust, SAFC, Boost controllers, turbo timers, pod filters, intercoolers, brake upgrades, body kits/mods, suspension, too low.. whatever else. What would happen if any of these were on the car and found?
From what I understand, turbo timers are not illegal but its illegal to be more than 3m away from a running car/leave unattended etc.
I wouldn't think intercoolers or pod filters (unless unboxed) would be an insurance worry.. but things like an SAFC might present a problem.
Other things like say.. bodykits or something that don't really affect too much but may still be illegal.. what about them? You may not want to insure it but do you still need to disclose it and will it affect the policy/claim?
You would think disclosing an illegal modification would mean an immediate cancellation of policy BEFORE you have an accident but of course thats never the case.
I don't see any point ringing VICRoads or insurance companies with these questions as you are always given a different answer.
I should just get a job with Shannons/whatever and find out the real answers! It would be nice if someone was already doing that though
It's such a grey area for the average person, any real help appreciated greatly. (tried searching, couldn't find anything specifically helpful)
~Kaz
*yay I wrote a novel! ^