Insuring a lowered car?
Discussion
So I'm new to posting on the site, always spending valuable time reading it all though.
Quick one for you. I'm swapping cars over at the moment (currently driving an old supra, taking it off the road for a paint job) and my insurers say they won't insure the vag I'm looking at if it's lowered by more than 50mm.
If, for example, it's lowered by 60mm, which the seller says it might be (but he has to check his receipts!!) if he can't get hold of the receipts and I went ahead and told the insurers I think it's 50mm, how would they ever know if it wasn't? I can't imagine they would ever know any different either way.
What do you chaps think?
Quick one for you. I'm swapping cars over at the moment (currently driving an old supra, taking it off the road for a paint job) and my insurers say they won't insure the vag I'm looking at if it's lowered by more than 50mm.
If, for example, it's lowered by 60mm, which the seller says it might be (but he has to check his receipts!!) if he can't get hold of the receipts and I went ahead and told the insurers I think it's 50mm, how would they ever know if it wasn't? I can't imagine they would ever know any different either way.
What do you chaps think?
I was expecting an answer like that!
Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
tallerthanthou said:
I was expecting an answer like that!
Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
I suppose you could risk and get away plenty people do close friend did it (bodywork nothing engine wise) insurer made him pay the difference had he declared them in the 1st place rather than try and dismiss the claim but you never know how an insurer will react.Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
I believe they would notice the difference in the springs after all its not some insurance worker in a suit and tie that looks the car over it will be mechanics etc as with every thing it comes down to risk you could do it and get away or get caught personally i wouldnt risk it and find someone who would cover it, after all if its your pride and joy is that not the least you could do as a petrolhead?
tallerthanthou said:
I was expecting an answer like that!
Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
I think you'd be better finding an insurer which will cover you on the lowered car, and be candid about the extent of the lowering.Thankyou for the reply though!
Do you really think'd they'd notice 10mm? Surely the only way they'd know is finding out what the factory springs are. And would they be able to source that info on a 21 year old car (sorry missed that bit out)
Surely if the new springs quoted a 50mm drop and the original springs had sagged (which they would if the were old) then it'd overall be a 60mm drop anyway..?
I think your insurer would be unlikley to notice if you had a minor bump, but if you are unlucky enough to suffer a major accident which involves serious injury and a potentially huge payout, the insurer will instruct an engineer to examine the car. He will spot the extra lowering; indeed it will probably be one of the first things he checks. Insurance contracts are in "utmost good faith", and they will waste no time in invalidating your insurance. This would be disasterous.
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