Insuring a modified Vehicle

[Harbinger]

So I want to cover all bases with my Mustang and Would like to know if anyone has experience or knowledge with regards to modification guidelines. Allstate told me suspension mods are not covered. I have eibach springs with the stock tokico shocks in my mach 1 (not installed by me).

Funny thing is they are ok with HID kits and exhaust. Cold air intakes are a no no. Im concerned that if I would be in an accident that they would be petty enough to not even cover me just because of the springs.

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[NickD]

Thanks for reminding me I need to change as well. Haggarty will insure modified vehicles as long as it's not your primary and you have another car, I was surprised talking to them that I could even bring it to work the odd time or stop at a store etc.

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[WTF]

contact Zehr

http://www.zehrinsurance.com/

they're brokers and I've been with them now for over 14 years....for all of the vehicles and the house

they are mod-friendly and understand the hobby

[ZR]

You sure about taking it to work or shopping?

[Harbinger]

They just denied me. Useless. I was being honest about how many miles i put on the vehicle

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[Harbinger]

Guess honesty gets you nowhere

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[Laffs]

You sure about taking it to work or shopping?

Ya work is a def no go I was told. Shopping is a grey area, if you are out and cruising and stop off to get some milk and eggs, fine most likely. But if you say hey got to run to the mall for a few hours and do some shopping I'll take the stang, no bueno.

Hagerty is great for someone like me who has a fairly modded ride, that they use very sparingly and generally only for point A to point A trips or the occasional show. It's not meant for the guy who uses his modded stang as his summer DD, have yet to see a policy that is suited to that market.

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Guess honesty gets you nowhere

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Prevents you from buying a policy that doesn't truly cover your needs and ends up getting cancelled or worse denying claim.

[Harbinger]

Ya work is a def no go I was told. Shopping is a grey area, if you are out and cruising and stop off to get some milk and eggs, fine most likely. But if you say hey got to run to the mall for a few hours and do some shopping I'll take the stang, no bueno.

Hagerty is great for someone like me who has a fairly modded ride, that they use very sparingly and generally only for point A to point A trips or the occasional show. It's not meant for the guy who uses his modded stang as his summer DD, have yet to see a policy that is suited to that market.

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Prevents you from buying a policy that doesn't truly cover your needs and ends up getting cancelled or worse denying claim.

Told them that i have a daily it would be a weekend cruiser. Its okay ill find a more reasonable company

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[NickD]

You sure about taking it to work or shopping?

I spoke to two reps from haggardy at performance world after my broker told me he deals with them and suggested I swap. I drive the car normally once a week and only for pleasure, I talked with them for a while and in the conversation they said if I wanted to take in to work the odd time that I would be covered, it could not be a regular occurrence. But I've brought it two work twice in 4 years now. The shopping I was asking about was on the way back from a cruise I remember I need juice or bread from Walmart can I swing by and they said yes. (I would never take it on a shopping trip to the mall, no point)

My worry was that it was a show car policy and I could only go two and from events etc.

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[ZR]

Yes way back from or on a cruise n stop at the plaza is totally different vs at home n jump in the Mustang to hit Home Depot. Same as when I asked about what happens when away at Woodward or similar car event, reply was of course we'd expect it to get parked at the local mall or restaurant and yes they would fall well within your policy.