SVX Network Forums Live Chat! SVX or Subaru Links Old Lockers Photo Post How-To Documents Message Archive SVX Shop Search |
IRC users: |
#1
|
|||
|
|||
Isurance for 5 speed SVX
It was that time of the year and I sent the check to the insurance company.
I just changed them because the last one slowly increased the "premiums " with $200 in the last year without any reason. I use to read those boring conditions and I notice that I have to anounce the insurance about any car modifications. I intend to make the 5 speed conversion; so my question is: Does anybody anounced the modification? How much was the "premium" increase? I don't assume it was a decrease. Thanks, Ovidiu |
#2
|
|||
|
|||
BE CAREFUL!
In Pennsylvania, if you declare a major modification, such as engine or transmission swap, you may be forced to change the status of your title to 'reconstructed.' This will seriously decrease the value of your SVX. I dont know what the law is like in your state, so I would recommend you take a look and see what your state has to say about this.
Mike |
#3
|
||||
|
||||
I think they're usually looking for modifications that might make the car a higher risk (turbos, NOS, suspension mods, etc.) or more expensive to fix (bodywork, wheels, etc.).
As Mike suggests, it would be smart to investigate to find out what your state law says. My philosophy has always been that if they aren't real specific, I'm free to make the most advantageous (to me) interpretation I can as long as it's defensible. In my opinion, a 5-speed shouldn't increase the risk or the repair cost, but my opinions and the law have often been at odds. Be sure you don't intentionally mislead your insurer. They can be pretty brutal when they feel they've been defrauded, and their pockets are probably deeper than yours. If yours are deeper than theirs, would you be interested in adopting me?
__________________
Dick ************** 1999 Legacy GT 30th Anniversary Edition 2001 Outback Sport |
#4
|
||||
|
||||
I run the bare minimum liability on my 5-speed , so the insurance company doesn’t care what mods it has….I could strap a booster rocket on it for all they care.
...........Booster Rocket now that'd up the quarter mile times!
__________________
Huck Subaru Ambassador 92 SVX LS-Tour Magnaflow Exhaust, 5-Spd-AWD 88 XT6 AWD 5-Speed "Bride of FrankenWedge" 15 Impreza Premium Sedan 15 Crosstrek XV 5-Speed My 5-Speed "How-To" Write-up 1976 Pontiac Firebird Formula Current Count of Subaru's Owned.... "70" |
#5
|
|||
|
|||
PSSSSSSTTT Huck,
Want to buy an almost new (only used once) solid booster rocket?
__________________
Larry III & The Beautiful Naviguesser '19 Tungsten Pearl Outback 3.6R Ltd...."AISHA" '08 Harvest Gold Outback 3.0L. L. L. Bean...."AIJOU" '07 Gray Diamond Pearl Outback XT Ltd..."AH SO" '05 White Pearl & Silver BAJA Turbo..."AH HA" '97 Bordeaux Pearl SVX LSi..."SUBYDOO" '94 White Pearl SVX LSi..."PEARLY" '92 White Pearl SVX LSL w/touring pkg..."SVXY" '92 Teal SVX LSL w/touring pkg..."ALCYONE" '96 Polo Green LSi ... "MIDORI" '00 Black Dodge VIPER RT-10... "VINNIE" Engineers do it with precision. English teachers are novel lovers. Home: larrysingeriii@comcast.net SVX FEVER, CATCH IT AT A MEET NEAR YOU !! |
#6
|
||||
|
||||
Quote:
__________________
Huck Subaru Ambassador 92 SVX LS-Tour Magnaflow Exhaust, 5-Spd-AWD 88 XT6 AWD 5-Speed "Bride of FrankenWedge" 15 Impreza Premium Sedan 15 Crosstrek XV 5-Speed My 5-Speed "How-To" Write-up 1976 Pontiac Firebird Formula Current Count of Subaru's Owned.... "70" |
#7
|
||||
|
||||
Quote:
phil
__________________
~Phil Teal 1992 Subaru SVX Turbo - Sold in May 2011 to peace-frog. |
#8
|
|||
|
|||
Re: Isurance for 5 speed SVX
Quote:
|
|
|