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Aftermarket parts insurance?
Is there such a thing? I already have GREAT insurance with Farm Bureau and love them but I was wondering if there is a company that will cover any loss of aftermarket parts? I mean God forbid you get in an accident with an Amuse body kit and $10k in engine parts... Just curious if there is such out there.:tiphat:
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Most will do something. I have progressive and they cap the limit of aftermarket part value at $5k... I am planning to switch when I find the time to shop around.
Hagerty I believe will cover all your mods... I haven't hit them up for a quote yet though. |
They will but it's expensive.
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Coming from an Insurance professional in CA
Other states besides CA have aftermarket parts coverage, although it does cost a lot like others said before. Although Insurance companies split up the term Aftermarket parts. Of course, we all know there are Aesthetic and Performance mods you can do. Anything that tampers with the engine internals that is not OEM parts being repaired or replaced are Performance Mods. Aesthetics are of course body kit parts etc. Insurance companies see Performance mods as a reason to break traffic laws since it makes your car faster and more dangerous, seen as much more of risk that they exclude it from their policies. Since it is a intent to make the vehicle faster. If you are in a wreak they will place the blame on your for the intent of making the vehicle faster with performance mods making it unsafe and a high liability risk. The grey area I don't know about are Aerodynamic mods. Like Diffusers and splitters and canards. They are aesthetic, but for performance. So if you have it and any insurance person asks you they are for aesthetic reasons lol :tup: So for example, if you strap a Twin Turbo Kit to stock/performance internals and 3 months after blow your engine, your insurance company will deny the claim because of them being performance modifications. Even if you were in an incident to where it was a collision and not a blown engine, the insurance would pay out aesthetic parts but not the TT kit or any install/labor. I have not found one insurance company other than Lockton Motorsports (track insurance) which would cover Performance Parts. But that kind of Insurance for $100,000 costs close to $500 per month ($6k/yr) here in Cali. IF YOU FIND A COMPANY THAT TELLS YOU THEY COVER PERFORMANCE AFTERMARKET PARTS LIKE THE TT AND SC KITS GET THAT SHIITT IN WRITING LOL! Just my :twocents: |
Wth is a farm bureau.
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:rofl2:
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you can buy insurance for anything you can think of really
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I have State Farm and have been with them forever. I called them to asked about paying for additional insurance to cover my mods and I was told I didn't have to as they will cover what ever the shop states needs replacing. I have not had need for any of my performance parts to be replaced but they did replace my front bumper, zspeed under tray and Next Level carbon fiber splitter minus my $500 deductible after a high seed encounter with a jack rabbit.
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This may be different in AZ as insurance regulations and policies vary state to state, and beginning with you actually have included aftermarket parts coverage haha. If you have a chance sometime soon I would call over to the Agents office and ask them to call underwriting and have them ask in regards specifically to performance parts, like you TT setup. Just to confirm at least. If they confirm the coverage, have them ask for the underwriters name and alias and write it down with the date and time and then relay the info to you. That way, if in the rare chance that there is an issue with covering it you have yourself covered. More of a reason I want to move away from socal/ cali too much bs and flaming hoops to jump through.:shakes head: |
I hear you man, I hope I never have to find out because if I or anyone is in an accident that compromises a tt or supercharge system is bad juju!:mad:
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