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-   -   Aftermarket parts insurance? (http://www.the370z.com/nissan-370z-general-discussions/118473-aftermarket-parts-insurance.html)

shirokenkami 12-06-2016 03:17 PM

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:

Jayhovah 12-06-2016 04:21 PM

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.

future370zzz 12-06-2016 04:46 PM

They will but it's expensive.

birdman71 12-06-2016 06:46 PM

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:

kenchan 12-06-2016 07:16 PM

Wth is a farm bureau.

SouthArk370Z 12-06-2016 07:50 PM

Quote:

Originally Posted by kenchan (Post 3586859)
Wth is a farm bureau.

A rural chest of drawers

kenchan 12-06-2016 08:03 PM

:rofl2:

madeinjapan 12-07-2016 07:13 AM

you can buy insurance for anything you can think of really

Hotrodz 12-07-2016 07:40 AM

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.

birdman71 12-07-2016 05:10 PM

Quote:

Originally Posted by Hotrodz (Post 3586986)
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.

I work for State Farm in California, and yeah we wouldn't be one to have issues with covering those types of aesthetic parts in states that have aftermarket parts coverage included. Lucky haha :tup:

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:

Hotrodz 12-07-2016 09:57 PM

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:

birdman71 12-08-2016 01:14 PM

Quote:

Originally Posted by Hotrodz (Post 3587309)
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:

Anytime anything happens to the Z it is bad juju, unless you end up pulling a Ricky Bobby to win a race. :driving:


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