Some turbo and insurance questions - Honda Civic Forum


Member's Rides Show off your rides progression thru mods or post up your detail job and that new mod. Your goal: make everyone jealous!

Reply
 
 
 
LinkBack Thread Tools Search this Thread
Old 02-21-2005   #1  
Subarus FTW I do NOT miss my civic
Thread Starter
iTrader: (9)
 
2K1Civic17"Gabe's Avatar
 
Join Date: Jul 2004
Location: Scottsdale, AZ
Age: 35
Posts: 4,514
Rep Power: 0
2K1Civic17"Gabe is an unknown quantity at this point
Some turbo and insurance questions

More insurance question. How many of you let the insurance company know that you are boosted? Is there a chance they would drop coverage if i tell them that? I have farmers I believe. I can pay a little more monthly to be on the safe side if I get jacked. Since we have or had the #1 stolen civic rate in the country. Im a little worried something will happen.

I ordered my TSI kit last week, and its being shipped today from Cali. So in one or two days it should be here. Im excited!! Just curious about the insurance.

Thank you very much

Chris
2K1Civic17"Gabe is offline   Reply With Quote
Old 02-21-2005   #2  
Stolen digital camera = no ninja picture for me
iTrader: (2)
 
PoorCollegeBoy's Avatar
 
Join Date: Apr 2004
Location: Denver
Age: 35
Posts: 920
Rep Power: 184
PoorCollegeBoy is a jewel in the roughPoorCollegeBoy is a jewel in the roughPoorCollegeBoy is a jewel in the rough
Congrats on the purchase Chris. I would suggest not telling insurance, and getting yourself a nice security system, and maybe some hood locks. Just my opinion though because my insurance is all ready through the roof...
PoorCollegeBoy is offline   Reply With Quote
Old 02-21-2005   #3  
BOOSTED DOHC i-VTEC
iTrader: (12)
 
stl01civic's Avatar
 
Join Date: Mar 2003
Location: STL
Age: 33
Posts: 1,508
Rep Power: 0
stl01civic is an unknown quantity at this point
my insurance company does not know i am boosted. i think if they know they will raised my perimun.
stl01civic is offline   Reply With Quote
Old 02-21-2005   #4  
Jap-Euro Fusion
Hey! Look At Me!! I'm a Supporting Member!!
iTrader: (16)
 
Boilermaker1's Avatar
 
Join Date: Jul 2002
Location: Washington DC
Age: 36
Posts: 13,140
Rep Power: 330
Boilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to behold
Well the gamble is that you don't crash the front end and no one hits your front end either. If its boosted and you wreck the IC system or worse, and they don't know, they're not going to cover it because its not aftermarket replacement for any OE part (usually they'll cover those with proof of purchase (like rims)).
Boilermaker1 is offline   Reply With Quote
Old 02-21-2005   #5  
Subarus FTW I do NOT miss my civic
Thread Starter
iTrader: (9)
 
2K1Civic17"Gabe's Avatar
 
Join Date: Jul 2004
Location: Scottsdale, AZ
Age: 35
Posts: 4,514
Rep Power: 0
2K1Civic17"Gabe is an unknown quantity at this point
I wonder how much it would be raised, thats what I really want to know. Maybe I can call and try to find out without telling them its gonna happen. I wonder if they may even CANCEL the insurance on me if I do tell them. I have heard of modded cars not being able to find insurance from most places or being canceled when they told of their mods. They feel you are much more a risk so they dont want to cover you anymore.

Im not sure. I probably wont tell them. My car is garaged every night, and I usually park where I and everybody else can see.

If anybody told their insurance, let me know. Thanks
2K1Civic17"Gabe is offline   Reply With Quote
Old 02-21-2005   #6  
Subarus FTW I do NOT miss my civic
Thread Starter
iTrader: (9)
 
2K1Civic17"Gabe's Avatar
 
Join Date: Jul 2004
Location: Scottsdale, AZ
Age: 35
Posts: 4,514
Rep Power: 0
2K1Civic17"Gabe is an unknown quantity at this point
Quote:
Originally Posted by Boilermaker1
Well the gamble is that you don't crash the front end and no one hits your front end either. If its boosted and you wreck the IC system or worse, and they don't know, they're not going to cover it because its not aftermarket replacement for any OE part (usually they'll cover those with proof of purchase (like rims)).
I keep receipts from everything expensive I buy. Little 10-100 dollar mods I usually dont. I am worried about wrecking the IC, turbo, manifold, etc, everything in the front end. Getting into a front end accident is a million times more likely than getting jacked. WOuld you tell insurance of a turbo? I need a bunch of opinions. Ill talk to my dad about it as well. He can probably call his client thats also our agent and find out.

Im just waiting a little while til its all installed to even tell him about it. Or when he sees an IC and pipes running in the front of my car.
2K1Civic17"Gabe is offline   Reply With Quote
Old 02-21-2005   #7  
Boosting Daily
iTrader: (14)
 
EternalBlue_Vic's Avatar
 
Join Date: Aug 2004
Location: Goldsboro, NC
Age: 33
Posts: 2,083
Rep Power: 191
EternalBlue_Vic is a jewel in the roughEternalBlue_Vic is a jewel in the roughEternalBlue_Vic is a jewel in the rough
I have not claimed my turbo, nor am i. My insurance is already pretty high. Wrecked front end= trashed intercooler and some plumbing. Replace with a johnny racecar IC ($200) and ur set vs paying increased premiums over time.
EternalBlue_Vic is offline   Reply With Quote
Old 02-21-2005   #8  
Jap-Euro Fusion
Hey! Look At Me!! I'm a Supporting Member!!
iTrader: (16)
 
Boilermaker1's Avatar
 
Join Date: Jul 2002
Location: Washington DC
Age: 36
Posts: 13,140
Rep Power: 330
Boilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to beholdBoilermaker1 is a splendid one to behold
Quote:
Originally Posted by 2K1Civic17"Gabe
I wonder how much it would be raised, thats what I really want to know. Maybe I can call and try to find out without telling them its gonna happen. I wonder if they may even CANCEL the insurance on me if I do tell them. I have heard of modded cars not being able to find insurance from most places or being canceled when they told of their mods. They feel you are much more a risk so they dont want to cover you anymore.

Im not sure. I probably wont tell them. My car is garaged every night, and I usually park where I and everybody else can see.

If anybody told their insurance, let me know. Thanks
What I would do is call everyone else but my own company and find out what it would cost. Or call Progressive and get quotes for the top 3 competitors as well. I suppose the real problem is them finding out that the car has a turbo on it and not telling them. I know a couple companies didn't initially know what to do with the WRX in terms of rates when it showed up, and were charging 2.5RS rates. Once they figured out it was a turbo AWD car, they raised the rates and some even charged back fees for what they didn't get initially. I think the risk would be getting dropped for not telling them. A guy who races in my region had his Z06 totalled by some idiot who blew through a median turn lane and went up the siderail of the trailer the car was on. The car was in full race trim, decals and slicks, insurance dropped him instantly for racing the car and not telling them, and the accident was in no way his fault.
The worry wouldn't be trashing parts as much as it would be getting dropped and not having any of the damage paid for. Chances are they'll also pull the arguement that the intercooler caused the AC condenser and radiator damage as well, etc..... and blame as much as they want on you. Any accident that got back far enough as to damage the turbo itself would probably total the car as well, I wouldn't worry too much to that extent. I wouldn't know how much the rates would go up... call around a little. If it was me, well, I wouldn't have a turbo... but if I were to swap the engine, I'd insure it. This is one place where I don't know if the SEMA rules help you.... anyone know? I'm curious about that. You're entitled to do what you want with your car and be defended from the dealer, what about insurance?

Last edited by Boilermaker1; 02-21-2005 at 03:35 PM.
Boilermaker1 is offline   Reply With Quote
Old 02-21-2005   #9  
Subarus FTW I do NOT miss my civic
Thread Starter
iTrader: (9)
 
2K1Civic17"Gabe's Avatar
 
Join Date: Jul 2004
Location: Scottsdale, AZ
Age: 35
Posts: 4,514
Rep Power: 0
2K1Civic17"Gabe is an unknown quantity at this point
I heard about that one company, that will insure any racecar. I went to the site a while ago, but that would be more money than what Im paying now. There are 5 cars on the policy. Before when I got jacked, they said anything attached to the car is insured, but they couldnt cover my stereo. I wonder if turbo would be included as anything attached.

I have a feeling they may drop me just for asking. Places have been known to do that. Pretty stupid, if ya ask me. Just make them pay what it will cover to cost the damage. I will probably call progresive and ask them. Good idea, thanks a lot!!!
2K1Civic17"Gabe is offline   Reply With Quote
 
 
Reply

Related Topics
Thread Thread Starter Honda Civic Forum Replies Last Post
Head gasket job question herbiej 7th Generation Civic 22 08-23-2015 01:02 PM
programming key at the dealership difficult? Civic 2001 LX martinsmartin Mechanical Problems/Vehicle Issues and Fix-it Forum 5 08-15-2015 07:34 PM
1997 HX and 1998 DX bhollie Mechanical Problems/Vehicle Issues and Fix-it Forum 0 08-12-2015 09:58 PM
CA legal turbo or k20 justcruzin125 Advanced Engine Performance and Swaps 2 08-11-2015 09:09 PM
Radar Detectors for your Civic carid Electrical, Wiring, and In Car Entertainment 2 08-08-2015 05:05 PM


Tags
civic, dropped, honda, insurance, insuring, mods, telling, turbo, turbocharged

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



All times are GMT -5. The time now is 11:19 AM.


© 2018 MH Sub I, LLC dba Internet Brands
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.