Decat pipe and insurance

[Neill675]

Hi, I'm thinking of getting my puma decatted and wondering what the go is with insurance if I will still be covered r not if.
Cheers

[Tombie]

They wouldn’t know.
And it must be shown to be the cause/a contributor of the accident to deny a claim.

However it does technically render it unroadworthy.

[Neill675]

Cheers Tombie decat pipe it is then.

[YOLO110]

Personally, I would call your insurance company and ask them that question...

[Toxic_Avenger]

I'd call them too, and get it in writing (or record the call) if you can.
What I think you'd find is that the insurer will not pay a claim 'where the vehicle is not in a condition where it would meet the registration requirements in your state' (this is quoted from a NRMA PDS for their comprehensive policy). By inference, a vehicle without all necessary pollution control gear could be knocked back at rego, likewise a manufacturer could not release a new vehicle without these pollution control measures.

I'd be surprised if a de-cat mod would pass muster for the insurer, if you were to honestly discuss the modification with them. But I'd be happy to be proven wrong. If you get it in writing, post it here [wink11]

[Tombie]

That applies to almost anything...
EGR kits, Remaps, Decats, Wheel carriers, Air intakes, driving lights, tyres, tint, lift, axle weight.

Example: One section of ADRs states *any* change to the exhaust is not allowed - so aftermarket replacement is out..

Keep in mind too, Remaps and tunes are required to be declared to your insurer also, how many do that?

Changing tyres from the factory rubber to a set of Muddies can render a vehicle not compliant for registration. (Originally One reason Jeeps ‘full offroad spec’ Wrangler wasn’t imported was it couldn’t meet registration in Australia).

[Shoogs]

Jeez I’m a glad I have a 23 year old defender... roll cage, spacers, any suspension, exhaust mods, turbo, tyres, lights, limb raisers, you name it all insured all passed the inspection...

Now I just need 200kw from a 300tdi...

[Tombie]

Jeez I’m a glad I have a 23 year old defender... roll cage, spacers, any suspension, exhaust mods, turbo, tyres, lights, limb raisers, you name it all insured all passed the inspection...

Now I just need 200kw from a 300tdi...

Yeah.. over there may be ok - to the letter of Aussie insurance you wouldn’t [emoji30]

[Shoogs]

Yeah.. over there may be ok - to the letter of Aussie insurance you wouldn’t [emoji30]

Car in Perth, inspected by DOT engineer, insured by Shannon’s...

[Tombie]

Car in Perth, inspected by DOT engineer, insured by Shannon’s...

So engineered and Shannon’s..

Therefore covered and declared [emoji41]

[Shoogs]

So engineered and Shannon’s..

Therefore covered and declared [emoji41]

Yes, but I still need (desire) 200kw from a 300tdi, or maybe it should morph into an LS3... towing a camper off the beaten track the vehicle is in its element, the Nullarbor and a headwind, with a full cage, brown church rack etc... is leisurely.

Then again 80/90km/h is a nice way to see the world.

[Neill675]

I just found this on my insurance,the last couple of paragraphs sort of explain it but just need to find out what sort of accident a decat would cause if any at all. Might be worth a phone call Illegal Modifications - Running the Gauntlet - CLUB 4X4 (https://www.club4x4.com.au/illegal-modifications-running-gauntlet/).