So me and florence went out to Freedon Cycle to see if i can get approved for a 2008 Kawasaki Ninja ZX600. Well im approved for that with $0 down. Called a few insurence companies. Canex (which is the military store) wont insure the bike because its a sports bike and wont insure my car because of the mods i have. Called RBC, they gave me some bs that i need a class 6 license (motor bike) for 4 years, i only have 2 years. And they also will not insure the car because of the mods. Bah!

 

thats gay.

 

that sucks man. for some reason my insurance rate went UP instead of down this year, and I've had no accidents and no tickets since I was 15

 

thats really weird. Should just lie and say the car is stock, or say i took the s/c out...lol

 

if your debadged, you could tell the insurance company that you downgraded to an LT lol

 

why do you tell your insurace company mods? lol crash or trade in..you arnt going to get money for them so whats the point?

 

they asked if the car is modded, if i say no and i get in an accident and they find out i lied, im fucked. Not trading in or crashing the car...thats the dumbest thing i've heard

 

say u did the mods right after the phone call

 

ahaha that won't work...unless u did get in an accident and then asked what the hell are those and then tell them that u just added them about a week or so:P

 

Going to see what my insurence company im with says. Because if i recall i believe i told the guy i delt with, what i was planning on doing with my car and i think they gave me a quote on a 2007 kawasaki ninja

 

Yeah most insurance companies wont insure you if you rmod your car, you really do have to lie. If you dont they will rape you on the price. As for the bike I pay 600 a year for insurance.

 

who are you with for your bike chad?

 

LOTS of compaines will not insure a car thats been mod in anyway what so ever.
people get away with it cause they dont say nothing to them lol
but when the accident happens your after market stuff is not covered

 

first off, I can't believe that your insurance company asked you if your car was modded. Secondly, tell them no, and if you were to get in an accident, how the hell would the insurance adjuster even have a clue your car was modded (unless you have a nitrous bottle in the trunk)? When you look under the hood of your car, they would have no idea of the pulley, they would have no idea about the injectors, or custom tune.

 

what if i lie and for some reason they find out? then they will cancel my insurence, oh well, ill have ot chance it

 

they wont find out lol
and if they do, just say its all been done after your renewal, my insyrance company knows about my car, but then again my cousin is my insurance comapny.

 

they aren't going to find out. When you mod your car and you get into an accident, the insurance company doesn't have to cover the parts that were modded. For example, you turbo your car and get into a front end collision and damage the motor and turbo, you will probably be out mods. 99% of insurance adjusters go from the VIN of your car. Thats why civic owners buy a low end civic, and end up doing a motor swap. They get cheaper insurance but have the performance of the higher end ones. They have no idea what is modded or not. They are not car mechanics or car enthusiasts.

 

Awesome, now i just hope i can get a good quote on the bike. If i do ill be getting it at the end of the month when i get paid. Although that means my build will have to go on hold, might be able to install the tvs once it gets here but i dont know what its going to do with no exhaust mods.

 

Is that just a Canadian thing? I have never been asked about modifications on my car my an insurance company.

 

Every insurance company asked me and I am with Royal Sun Alliance I think. If you get a bike your never going to drive your car ahahah.

 

actualy your wrong chad. Only time im going to be able to drive the bike is on the weekends, unless i bring it to NB with me. But i use my car to get me and 2 other guys to work so iiunno how thats going to work.

 

is it normal for canadian insurance companies to ask the insurer if their car is moded? i've insured over 10 cars in my lifetime and i've never been asked if i had mods done to it. i live in california though.

 

Yea i never got asked that before today was the first time and both companies i called asked. I tried explaining what the mods were to RBC and i said "its kinda hard to explain what they are, they just give me more power" and she said "Do you have NOS?" i laughed and said "theres alot cheaper ways of blowing my car up"

 

I'm with State Farm here and I asked my agent regarding mods to my car. They told me I can mod it all I want to, should I be involved in an accident though, would need all receipts as proof for anything aftermarket I added.

 

they never asked me if my car was modded when I insured mine, and my insurance company is somewhere in Halifax. my broker finds the best available rate for me.