Ghostami 2nd Gear February 7, 2011 Share February 7, 2011 Yeah bro, its recent... Because too many racers nowadays I guess.. ↡ Advertisement Link to post Share on other sites More sharing options...
Aimnfire 4th Gear February 7, 2011 Share February 7, 2011 It is one thing to have aftermarket exhaust, and quite another to have aftermarket exhaust certified by LTA. Unless the supposed certified aftermarket exhaust has been further tampered with thus rendering it illegal. I happen to know quite a few people who are doing this. If accident, too bad liao. Is what you are describing a recent phenomena? I'm fortunate that my last claim experience was 15 years (touch wood that it will continue to be so). and do you know that if a modified car that fail to inform their insurance company about the modification and suay suay the car hit your car the insurance company can discharge themselves from paying the other parties meaning you can only claim through civil suit to the driver it was reported a few months ago in the papers Link to post Share on other sites More sharing options...
Zze121 3rd Gear February 7, 2011 Share February 7, 2011 Yeah bro, its recent... Because too many racers nowadays I guess.. Cos many dun wan to lose to 2.9L Sonata taxi Link to post Share on other sites More sharing options...
Thedream 3rd Gear February 7, 2011 Share February 7, 2011 Are you sure about this? If this is the case, then insurance can oso not pay if you have a BBK, or maybe even a set of after-market rims! I dun think so lah. Anything that is certified legal or allowed by LTA should have no bearing on the outcome of the claim. cos there's a requirement by the insurance companies for customers to declare all modifications, even if they are legal... if not declared, then... Link to post Share on other sites More sharing options...
Thedream 3rd Gear February 7, 2011 Share February 7, 2011 mine would be 10k under my name. instead is 2.8k under my dad 50+ yr old with close to 30 yr driving experience and 50% NCD +5% clean record. so is really quite crazy. ...do shop around... I'm paying about half of that and I'm quite a bit younger than your dad... Link to post Share on other sites More sharing options...
Walkingtree 1st Gear February 7, 2011 Share February 7, 2011 Yeah bro, its recent... Because too many racers nowadays I guess.. and do you know that if a modified car that fail to inform their insurance company about the modification and suay suay the car hit your car the insurance company can discharge themselves from paying the other parties meaning you can only claim through civil suit to the driver it was reported a few months ago in the papers cos there's a requirement by the insurance companies for customers to declare all modifications, even if they are legal... if not declared, then... Golly! Thanks bros. I think it is time for me to give my insurance broker a call. Link to post Share on other sites More sharing options...
Mllcg 3rd Gear February 7, 2011 Share February 7, 2011 cos there's a requirement by the insurance companies for customers to declare all modifications, even if they are legal... if not declared, then... what if its "illegal"? Link to post Share on other sites More sharing options...
Mllcg 3rd Gear February 7, 2011 Share February 7, 2011 and do you know that if a modified car that fail to inform their insurance company about the modification and suay suay the car hit your car the insurance company can discharge themselves from paying the other parties meaning you can only claim through civil suit to the driver it was reported a few months ago in the papers so if ppl bang your backside, u also lan lan? Link to post Share on other sites More sharing options...
Kiadaw 6th Gear February 7, 2011 Share February 7, 2011 actually i am covered. there are cheaper options but those only allow my dad to drive. in any case, i didn't declare my fujitsubo exhaust to insurer. though LTA legal, anything not bone stock, the insurer might deny claim. oh well... i know someone who wrecked a wrx (illegal mod) but they faulted him for his LTA cert HKS exhaust... makes me slightly tempted to swop back to stock exhaust and just do a ECU tuning. since this is likely to be my first LTA legal ride . Wreak a car, understandable leh. But if normal accident like backside kenna bash, then cannot fault his exhaust right? Link to post Share on other sites More sharing options...
Heartbreakkidz Clutched February 7, 2011 Share February 7, 2011 (edited) Wreak a car, understandable leh. But if normal accident like backside kenna bash, then cannot fault his exhaust right? Hmmm maybe the exos of the front car is shiny, big, fat, long and strong, then the behind car driver is a lady,thought her bumper is her mouth or pussy leh? Edited February 7, 2011 by Heartbreakkidz Link to post Share on other sites More sharing options...
Ithunk 1st Gear February 7, 2011 Share February 7, 2011 too many rally drivers wannabe Link to post Share on other sites More sharing options...
Ithunk 1st Gear February 7, 2011 Share February 7, 2011 alot of ppl think wrx cars are formula 1 cars...but in reality they are more suited for gravel tracks Link to post Share on other sites More sharing options...
Ithunk 1st Gear February 7, 2011 Share February 7, 2011 Cos many dun wan to lose to 2.9L Sonata taxi huh Sontana is 2.9L ? Link to post Share on other sites More sharing options...
Rb26dett Clutched February 7, 2011 Share February 7, 2011 so if ppl bang your backside, u also lan lan? i did a claim recently , was being rear ended .did a 3rd party claim . claimed 1) new cf boot 2)new tail lights 3)new exhaust guard 4)new bumper 5)new bumper skirting 6)new exhaust. as for the exhaust , mine wasnt an approved model.so end up they replaced another non approved model for me. all the claims went thru. Link to post Share on other sites More sharing options...
JaydenSTI 1st Gear February 8, 2011 Share February 8, 2011 ...do shop around... I'm paying about half of that and I'm quite a bit younger than your dad... bro, urs no longer under hp izzit? seriously sti premium at 1.4k is unbelieveable..... unless only insured 3rd party....... Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged February 8, 2011 Share February 8, 2011 alot of ppl think wrx cars are formula 1 cars...but in reality they are more suited for gravel tracks Does it explain why so many WRX going off roads? Link to post Share on other sites More sharing options...
Darryn Turbocharged February 8, 2011 Share February 8, 2011 actually i am covered. there are cheaper options but those only allow my dad to drive. in any case, i didn't declare my fujitsubo exhaust to insurer. though LTA legal, anything not bone stock, the insurer might deny claim. oh well... i know someone who wrecked a wrx (illegal mod) but they faulted him for his LTA cert HKS exhaust... makes me slightly tempted to swop back to stock exhaust and just do a ECU tuning. since this is likely to be my first LTA legal ride . The point is not the mods, its the "primary" driver. If the insurance is in your dad's name, he is considered the primary driver, but if in reality he seldom drives and you have daily use it is considered "cheating" the insurance company. Based entirely on your post (that's all the info I have) when you say "MY" car insured in Dad's name, if the insurance company were to find out they could (not would) deny claim. For mods, the general rule of thumb is that the mods must have altered the performance or been relevant to the accident for the claim to be denied. Naturally though, as a general rule of thumb the insurance company will only replace with "stock" parts Link to post Share on other sites More sharing options...
Thedream 3rd Gear February 8, 2011 Share February 8, 2011 alot of ppl think wrx cars are formula 1 cars...but in reality they are more suited for gravel tracks you're kidding, rite? you must be thinking of WRC or something... WRXes are certainly not formula one cars, but the road car is tested on the track, not some gravel stages... ↡ Advertisement Link to post Share on other sites More sharing options...
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