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Insurance concerns?????

IMPASN

By IMPASN,
in General Automotive Discussion

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R32Skyliner Enthusiast

R32Skyliner

Posted
Posted

If you're not going to list your mods, then might as well not get insurance. The company will surely try to get out of paying any money by saying "we didn't know you had those mods, so we're not going to pay". Apparently Just Car are like this, hence you have to list everything.

As for needing comprehensive, I've heard that you do, but don't quote me on that.

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leech_ Grand Master

leech_

Posted
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yea i have been told with all banks that i initially went to get a loan was that you will need it comprehesivly insured as that way if you write it off and cant pay back the loan the bank will just take the money from the insurance claim...

also tell them everything thats on your car as r32skyliner said you had may as well not have insurance otherwise.

on that note i had better update my policy :D

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IMPASN Rookie

IMPASN

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thnaks 4 that fellas. What i ment b4 was by not listing all the mods the insurance may b cheaper! like i would list important things but stuff like race wheel an stereo wouldnt really worry bout. I know they wont cover u if its not lisited but im hardly plannin on have a smash... if u know wat i mean :D My mates pulsar sss got an exhaust system thats not covered, he plans on rippin it off if it comes 2 that in an accident.

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Guest Mashrock

Guest Mashrock

Posted
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2 questions that i would love some help on r...... If i take a loan out 2buy my skyline does that mean i need full compo insurance an the other is should i list mods or take the gamble without listing them!!!!

depends. if you take the loan out as a car loan then yes they want you to insure it.

but if you take the money out as personal loan then you dont need to do so..

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RTED Contributor

RTED

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Posted
2 questions that i would love some help on r...... If i take a loan out 2buy my skyline does that mean i need full compo insurance an the other is should i list mods or take the gamble without listing them!!!!

With an automotive loan, you are required to take out comp insurance on any mortgaged property ( the car ) as the car is the security. To qualify for a personal loan you must display affordability and a proven repayment plan of some form of previous payment, or be assett backed. ( home owner/buyer ) if you don't supply a certificate of currency for a secured loan you will not be approved .

As for insurance!!!!!! There is a matter of whats called (duty of disclosure)

meaning if you do not list all and any mods and accessories to the enth degree ANY insurer can and will decline to honour any claim made for whatever reason.

These parameters are not negotiable from lenders and insurers.

Pay the money and get the correct coverage or change vehicles to a lesser risk vehicle.

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