Thread: What does your insurance cover?

Originally Posted by DiscoMick

I read Qld Police are now doing mobile exhaust emissions testing. Fail the test and your registration is suspended until you get another test done which passes. Test must be done within a specified time limit or registration is automatically cancelled. Would that mean insurance is also cancelled as the vehicle is not registered?

Probably.

My local mechanic was on about this a while ago,he recons it may evenyually come up on Road Worthys as well.
If it doesnt pass an emissions test as per ADR's,no roadworthy.
If it doesnt pass a roadworthy,it isnt street legal.

That will be the end of any type of tune as well as EGR blanking,etc,etc.

You have to be careful with the text of the policy.

Know someone who had a hire car and hand an accident on the unsealed road (driveway) which was about a km long leading to the house. Not covered as no cover if driven on an unsealed road and driveway not a gazetted road

Originally Posted by scarry

Probably.

My local mechanic was on about this a while ago,he recons it may evenyually come up on Road Worthys as well.
If it doesnt pass an emissions test as per ADR's,no roadworthy.
If it doesnt pass a roadworthy,it isnt street legal.

That will be the end of any type of tune as well as EGR blanking,etc,etc.

Interestingly. A tuned TD5 etc will pass the test if done right. However removing any fitted emissions system is an instant fail..

Read it further and fitting aftermarket exhaust is also a non-compliance - to the letter of the law.

Overseas, failure to disclose performance upgrades will also void insurance.

Most 5yr+ old Petrol vehicles fail emissions as the fuel vapour systems and Cats are no longer in spec.

Originally Posted by Tombie

That “4x4” insurance mob has so many “get out of paying” clauses in the PDS it boggles the mind.

I know of two persons who thought everything was good u til they had a vehicle fire. “Fire from aftermarket wiring / accessories isn’t covered” - well prove it wasn’t the factory loom as the entire vehicle went up!

Are you talking Club 4x4 Mike? If so I couldn't see that in their latest PDS on a quick scan. Not sure if it was in an earlier one. The PDS says they do not cover, amongst other things, where

"your vehicle was damaged, unsafe or unroadworthy;
• your vehicle was converted, altered or modified from its manufacturer’s specifications and is no longer roadworthy or legal within the state it is registered and that illegal modification contributed to the claimable event occurring."

Cheers

Originally Posted by scarry

Maybe not,as the vehicle is not legal,unroadworthy,and shouldnt be on the road.
Most insurance companies do not cover vehicles that are not registered,or registered,but have mods that are not legal.

Although,EGR turned off,blanked,etc,is more difficult to see,than a DPF that has gone missing.

Many also will not recover a vehicle where a 2WD vehicle will not go.

If concerned,read the Disclosure Statement.
I read the Disclosure Statement for Club 4X4,and couldnt believe the things that were not covered in the policy.

We must remember,insurance companies always do their best to try to get out of a claim,that is just the way they work.

I am not advising making modifications and I'm not denying that Insurers will try and weasel out of a claim, and may even tell people that a claim has been rejected on dubious grounds, but the legal principle stands, that factor/s not contributing to a loss are immaterial, and lawyers may have to get involved, to wit.

Originally Posted by ozscott

Are you talking Club 4x4 .....The PDS says they do not cover, amongst other things, where

"your vehicle was damaged, unsafe or unroadworthy;
• your vehicle was converted, altered or modified from its manufacturer’s specifications and is no longer roadworthy or legal within the state it is registered and that illegal modification contributed to the claimable event occurring."

Cheers

Originally Posted by scarry

Maybe not,as the vehicle is not legal,unroadworthy,and shouldnt be on the road.
Most insurance companies do not cover vehicles that are not registered,or registered,but have mods that are not legal.

Although,EGR turned off,blanked,etc,is more difficult to see,than a DPF that has gone missing.

Many also will not recover a vehicle where a 2WD vehicle will not go.

If concerned,read the Disclosure Statement.
I read the Disclosure Statement for Club 4X4,and couldnt believe the things that were not covered in the policy.

We must remember,insurance companies always do their best to try to get out of a claim,that is just the way they work.

I am not advising making modifications and I'm not denying that Insurers will try and weasel out of a claim, and may even tell people that a claim has been rejected on dubious grounds, but the legal principle stands, that factor/s not contributing to a loss are immaterial, and lawyers may have to get involved. People can write any contract they like but that doesn't make it legal, my lawyer had tell an organisation once words to the effect of "your contract is so unreasonable that it will not stand in a court of law".

Originally Posted by ozscott

Are you talking Club 4x4 .....The PDS says they do not cover, amongst other things, where

"your vehicle was damaged, unsafe or unroadworthy;
• your vehicle was converted, altered or modified from its manufacturer’s specifications and is no longer roadworthy or legal within the state it is registered and that illegal modification contributed to the claimable event occurring."

Cheers

Originally Posted by RANDLOVER

I am not advising making modifications and I'm not denying that Insurers will try and weasel out of a claim, and may even tell people that a claim has been rejected on dubious grounds, but the legal principle stands, that factor/s not contributing to a loss are immaterial, and lawyers may have to get involved. People can write any contract they like but that doesn't make it legal, my lawyer had tell an organisation once words to the effect of "your contract is so unreasonable that it will not stand in a court of law".

Rovercare (Matt) had a bit of experience with 'non stock' and liability due other issues.

I remember his posts, which are searchable on here.

DL

Originally Posted by scarry

Probably.

My local mechanic was on about this a while ago,he recons it may eventually come up on Road Worthys as well.
If it doesnt pass an emissions test as per ADR's,no roadworthy.
If it doesnt pass a roadworthy,it isnt street legal.

That will be the end of any type of tune as well as EGR blanking,etc,etc.

On this side of the pond they are working on laws like that as well. I do like my petrol over a diesel though, simply because a speeduino or megasquirt can be fed a new fuel map with the flick of a switch. Setting 1: rozzers, setting 2: actually good running car. Of course it's a small button, possibly not in sight

I too am not advocating breaking the law or anything but we have come to a point where basic common sense adjustments to vehicles are made impossible by, frankly, not well thought through laws and such so it does make me more... creative

-P