AnswerID: 12522 Submitted: Wednesday, Feb 05, 2003 at 07:42
Savvas
replied:
Mark,
Any problems with insurance will usually stem from the car being illegally modified. Check with your state's registration authority to find out what can be done without an engineering certificate in terms of
suspension and tyre size changes. The RTA in NSW has a lot of this information on their website, (http://www.rta.nsw.gov.au/registration/vehiclestandards/index.html).
If you find that your modifications are not within their guidelines, then your next step is to get an engineer's certificate. This certifies that your vehicle with the modifications is safe and roadworthy. Once you have this, your vehicle is legal again. You will need to report the modifications to your registry, along with a copy of the certificate.
Next is to advise the insurance company and make sure that the mods, the certification and the clearance with the state authority are all noted. At this point some insurance companies will refuse the policy and you may have to
shop around to find a company that will take you on. It's better to find this out now, rather than when you have to make a claim.
"Or is it even worth insuring it and just hoping for the best?" - Not to my way of thinking. I'm too risk averse when my finances are on the line. I prefer to do it once and do it right.
I believe Truckster has been down this path, so he'll have some good info for you.
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