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Does anyone have a list of companies that cover in ontario/canada that cover our cars with coilovers and other mods ?
i went to state farm today and they told me if i lowered my car i would be not covered should something happen.

i do want my insurance company to cover my car should anything happen.. so not telling them is a last resort - i do have a family that i have to watch out for


any ideas?

 
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Well, Progressive has a spot on there form for the amount of aftermarket stuff put onto your car, I woudl try to call them. Not real sure about specfics though, won't hurt if you want to call them.

Good to know about state farm thanks!

 
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progressive seems to be american i need a canadian one

 
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Oh, sorry. I thought they where in Canada too

 
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not that i can find

 
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if you bust up your car replace your parts OEM the body shop gets the cheque... u can decide to get whatever u need at the body shop with that money ... cuz its pretty well yours!

 
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????? what does that have to with being covered properly w/ a lowered car?

 
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SO anyone in ottawa what insurance companies are u using?!!?!?!?

 
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I'm using Ecconomical but I haven't gotten a new quote with my mods ... I'm sort of affraid to

have you been to the co-opertators??

 
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no i havnt called them yet, ive called a lot of places and been either turned down, or quote insane amounts of money.


i would sugguest letting them know you have mods or they can turn down a claim .. say..if you run over a baby or something.. or smash someones ride.

 
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If I let my insurance company know, I'm pretty sure I'd be ok. I haven't had any speeding tickets or whatnot, and I've been a client there for over 10 years. If I called my broker, he'd probably quote me more money a month for the mods. Either way if anything happened, I'd deal with it when/if the time comes.

try Ecconomical and the co-operators

 
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yea, but if that time does come, they can legally walk away from it - which sucks

thanks for the lead on the Co Operators.. i just found a local agent and will be calling her tommorrow. Anyone else actually have insurance on their mods for a decent price ?

 
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yep... that's so correct.

Some guy could T-bone your car, and you could be left with no claim. You could get screwed and have nothing to show for it.

 
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noone is responding here , does everyone drive lowered and not tell their insurance company?!?!

 
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Probably...

I am with Scottish and York and I disclosed my very first mods when I got the car. They are aware of my rims and body kit. They also came and took pictures at that time. They are unaware that I am lowered because it seems that insurance companies equate lowering with street racing.

 
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State Farm told me they'd cover my stereo as long as I could provide pictures

 
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covering a stereo is one thing .. they cover my stereo and my subs, but we're talking about lowering. body kits etc are fine too.. anything the alters the way the car handles or increases speed etc they will walk away from

 
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I'm from Ottawa and I go with RBC Insurance. I have my 18's insured for an extra $5 a month...it makes me sleep without having to stress out about my wheels being stolen.

 
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I used to be with Co-operators and they would cover up to $1500 of aftermarket stuff without even telling them. Anything over $1500 and you would have to mention it to them. THe downside is that they charge a lot more then other insurance companies form what i've researched. I ditched them and save over $1500 a year

 
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i know for a fact GEICO covers modified cars, but the catch is you have to fill out a form that lists all your mods.

AND it will make your premium go up.

 
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Cooperators charges more but when you have a claim they pay for everything.

 
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adjusters dont come to the scene of an accident, they come a few days later to your body shop. Go back to oem @ the body shop...

 
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I have a lowered car. Our car is actually going into the shop tomorrow to see what the damage is (hit a raccoon on friday) we havent called our insurance yet cause we need to know if the advisor who will look at the car is from that shop or if our insurance company will send someone to look at it. Might have to put her back to stock which means taking the turbo out and raising the car. Our insurance company has no clue what is on our car. We do all the work to it so taking things off (for insurance reasons) is not a big deal..just a huge pain in the ***. BTW I'm with the personal also try taylor group. I got good quotes from both of them. Both are in Ottawa

 
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check out Admiral insurance, i think they are trying to target insuring modded cars