Modification and insurance

Submitted: Friday, Nov 19, 2004 at 14:12

ThreadID: 17930 Views:2586 Replies:10 FollowUps:7

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Brent.n

hello, i am just about to get my patrol lifted 5 inches and fit 35 muddies. what is the go with insurance? if i have an engaineers report will this make them happy? or do i need to go with another insurance i am with GIO.

thank you

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Reply By: Member - Chris M (QLD) - Friday, Nov 19, 2004 at 14:23

Friday, Nov 19, 2004 at 14:23

QLD, your stuffed to be honest. Very difficult to get lift engineered then approved by insurer. My insurer will look after me up to 4 inch lift, but if that is illegal in QLD (which it is), the won't insure me. Also illegal to extend bumpstops etc.

In different states, ask someone from there. Pretty much transport rules no matter what.

AnswerID: 85023

Follow Up By: Brent.n - Friday, Nov 19, 2004 at 14:36

Friday, Nov 19, 2004 at 14:36

i live in NSW, I can get an engineers report for this modification.

there are heaps of other patrols in NSW with the same lift if not bigger what insurance do they have?

FollowupID: 343673

Reply By: tonysmc - Friday, Nov 19, 2004 at 14:30

Friday, Nov 19, 2004 at 14:30

I would just give them a ring and ask. If they do let you do it, make sure it is written on to your policy, because if you don't and you have a prang and they see its been modified they won't want to know you. They love taking our money, however they will find any excuse not to make a payout.

AnswerID: 85025

Reply By: flappan - Friday, Nov 19, 2004 at 14:36

Friday, Nov 19, 2004 at 14:36

I would say the chances of GIO agreeing to that would be close enough to zero . . .

Anyway . . . its not really the insurance co , that you need to worry about . . . You need it roadworthy to start with.

Once its roadworthy , it will require a ring around to see who will cover it.

AnswerID: 85028

Reply By: tour boy - Friday, Nov 19, 2004 at 14:46

Friday, Nov 19, 2004 at 14:46

DGA (australian 4wd Insurance) 1800800471.
I have a 1996 80 series cut to dual cab, 3' suspension lift, 2' body lift, mega extras and they didn't hesitate. NRMA no chance
Regards
Tour Boy

AnswerID: 85032

Follow Up By: Brent.n - Friday, Nov 19, 2004 at 14:54

Friday, Nov 19, 2004 at 14:54

Thanks mate,
I just spoke to GIO and thay said if it is RTA approved it is ok, so does this mean if i have an engineers report it will be RTA approved.

FollowupID: 343675

Follow Up By: flappan - Friday, Nov 19, 2004 at 15:20

Friday, Nov 19, 2004 at 15:20

Yes.

Although an engineers report is NOT the be all and end all. The RTA can still question the ER , and can ask you to have it re-engineered if they aren't satisified with the mods.

FollowupID: 343681

Reply By: tour boy - Friday, Nov 19, 2004 at 14:58

Friday, Nov 19, 2004 at 14:58

Mine has an engineers report but the size of the lift is the problem I also have 285s under it.

AnswerID: 85034

Follow Up By: Brent.n - Friday, Nov 19, 2004 at 17:05

Friday, Nov 19, 2004 at 17:05

hey,
i use to have a rangie with a 7 inch lift and 35 and had no ER and didnt get any hassel from the RTA at all i was with another insurer then. at the moment i have a new GU and it will be done correctly and neatly so i am not worried about the RTA i am just more concered with insurance. i just wanted to make sure that i was correct with the ER meaning thet it is RTA aproved.

Thanks for you help

FollowupID: 343704

Reply By: Brian B (QLD) - Friday, Nov 19, 2004 at 17:16

Friday, Nov 19, 2004 at 17:16

Hey Brent,

Just a word of warning is to make sure the advice you have is very current as there have been a lot of legislative changes over recent times, and some things you may have been able to do say 12 months ago are no longer allowed.

You don't want to put a lot of money and effort into soemthing that the authorities are going to bust you over.

Cheers

AnswerID: 85059

Follow Up By: Brent.n - Friday, Nov 19, 2004 at 17:29

Friday, Nov 19, 2004 at 17:29

thanks mate, but what i dont understand is if you have an engineers report, how can they bust you because dosnt the report make your car legal.

FollowupID: 343713

Reply By: Member Eric - Friday, Nov 19, 2004 at 18:46

Friday, Nov 19, 2004 at 18:46

35 " tyres are illigal full top for road use , anything over 2" suspention is also unroadworthy and MUST have a engineeres report .

AnswerID: 85071

Follow Up By: Brent.n - Friday, Nov 19, 2004 at 19:20

Friday, Nov 19, 2004 at 19:20

thanks eric, i have organised an ER

FollowupID: 343727

Reply By: Noosa Bushtrackers - Friday, Nov 19, 2004 at 21:14

Friday, Nov 19, 2004 at 21:14

Brent,
It seems to me that the RTA is the place to be making your enquiries. What is the use of having an engineers report saying it is OK and the RTA engineers saying that Regulation XYZ prohibits that being done, and them not accepting the ER.

Brian
Doing it tuff, Towing a Bushtracker.

Lifetime Member
My Profile Send Message

AnswerID: 85088

Reply By: junior - Saturday, Nov 20, 2004 at 00:34

Saturday, Nov 20, 2004 at 00:34

Try JUST CAR Insurance- they won't take on your vehicle UNLESS its' had mods!!!

AnswerID: 85106

Reply By: Member - JEFF - Saturday, Nov 20, 2004 at 19:15

Saturday, Nov 20, 2004 at 19:15

Tourboy has the right answer...... Go to DGA (4wd Insurance Aust. ) their in victoria but are very good and will insure your Vehicle regardless of mods, as long as you tell then what they are. I've been with them for 4 years and 2 vehicles, a good mob to do business with.

regards jeff

AnswerID: 85172