TurboCharging and Insurance...

[AussieN14]

I want to do the DET engine swap on my car, but i have some questions about insurance you turbo guys might be able to help me out with.

I'm with NRMA at the moment for around $2000 a year, the only place i can find that will insure me with the turbo listed as a mod is justcars but they want $4500 a year... too much.

If i turbo my car and DON'T tell NRMA about it, is there any way i can get away with it? like if i have an accident where the car has to be inspected, i take it to my mechanic first and swap the engine back, or remove all the turbo parts to make it look N/A etc...

The thing is my car's still under a bank loan and must have insurance for the term of the loan... so what's your opinions?

[Fahootie]

risky, dodgy...and all those other words...

isn't there some other way of getting around it, like insuring in someone elses name

[QIKRNU]

dude theres no point in insuring a car which you "may" get your money for if its in an accident. Kinda defeats the purpose. I'm in the same position as you with the bank loan situation having to have it insured. I have heard however that after the 1st year they wont ask if it is still insured... Have you had the car for a year yet? If not maybe wait and see what happens after a year

[AussieN14]

Yeh i've had it for almost two years

last year i was asked to fax through proof of insurance or they would recall the loan (ie... make you pay it all back straight away)

[xlnsss]

i think youre best bet would be to go through a decent insurance broker and they will get back to you with the best price.

[AussieN14]

do you know of any brokers to go through?

[mr-n14]

yeh call VIGIL UNDERWRITTING INSURANCE..
they only insure moded cars...
if u have 40% no claim bonus, then ur looking at about 2000grand... and u can do what ever u want, turbo cams lower rims anything..

my mate has a turbo n14 sss, and at first he lied and said he had cams, otherwise they wont insure u....and he has 40% no claim bonus, now its turbo, and he doesn't pay a cent more..
give em a call,

i called, they want 2600 for my Q, coz i got no claim bonus, but i could do what ever i liked, as long as its legal and safe..

web site is...

http://www.vigilins.com.au/

[AussieN14]

Thanks man, but how old are you? i'm only 20

got a 30% NCB so it shouldn't be that bad, anything less than $3000 would be acceptable i think

[mr-n14]

yeh im 20 aswell
i havn't got any no claim bonus, they told me 2600,
first time i called i go its stock, and they go no we cant insure u, so then i called again and said my car has full exhaust cams, lowered 2inch rims, they go ok,
my mates 21, paying 2000, or 2200, turbo aswell...
call em...

[AussieN14]

yeh will do, thanks heaps man

knowing my luck i'll be knocked back by my driving history, 1 accident two years ago and 3 speeding fines over the last year, not that bad, but insurance companies don't like it.

[AussieN14]

Got a quote from vigil for $2100 a year with a turbo... so conversion here i come!!

[QIKRNU]

sweet as man :D

go for it. **** i still got a year left on my insurance. sigh. do they do pay by the month?

[AussieN14]

no, must pay all up front

but dude, you can pull out of your insurance at any time and they will refund the value left.

Like if you got 6 months to go, and pull out, you get half your premium refunded.

[xlnsss]

Vigil underwriting, does anyone know how they react to a bad driving history ?

ie. license loss

[AussieN14]

Ring them and ask them i guess... only way to find out and it can't hurt to ask.

[Evil Egg Wind]

WHAT??? $590 full comp for a turbo?! :eek:
i thought AAMI wont even touch a turbo car... guess i was wrong :confused:

Wheelspin

[Ben8OY]

...yeah im with ammi...i did a driver defence course through them and now im on about $800 ..lowered, wheels and stezza. If your under 25 theres no hope of boost. last time i asked that is

im ringing vigil !

[symodt]

if you are under 25 at ammi they dont let you do any performance enhancing mods. ie exhurst, that is what they told me im 19. im at racv at the moment third party fire and theft with mods, but i have to change coz u are only alowed 1 3rd of the cars value in mods. im way over that. what ever you do get it in writing coz each time i ring up they say something differant

[daniel_exa]

im from adelaide SA im with sgic for my insurance ive just moved from a country zone to a adelaide and i called up the insurance company doing the right thing i thought to say i moved. then they say your insurance has gone from 137 a month to 184 or thought what crap. im 19 with a series three exa with following mods 14' mags extracters 2.5'' straight through exhast, chipped and air filter plus stero. any ideas for cheaper insurance that you can pay for per the month with the above mods and a possiability of more??