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Old 05-04-2004, 12:23 AM   #1
codger
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Member#: 13486
Join Date: Dec 2001
Chapter/Region: W. Canada
Location: Calgary
Vehicle:
06 Legacy GT wagon
Black

Default Modifications and Insurance

I saw a forum on the Toronto Subaru Club with numerous threads on the effect of modifications and aftermarket parts on insurance rates and insurability. More here

It seems that in Ontario you are obliged to inform your insurance company of major modification. To quote from one of the threads there:

Quote:
There seems to be a big crackdown from the non-regulated insurance companies across Canada on people who have "modified" cars.There have been several cases I have read about where people have gotten into accidents and have had their insurance company literally and "legally" walk away from them forcing them to cover all costs incurred due to the accident.
Has anyone encountered this in Alberta?
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Old 05-04-2004, 04:47 PM   #2
rexxer
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Member#: 27624
Join Date: Oct 2002
Chapter/Region: W. Canada
Location: "Somewhere cheap... Red Deer"
Vehicle:
2014 WRX
White

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Nope... if they did this in Alberta the government would be killed by Oil companies since a lot of oil company trucks are modified to accept higher loads or go off road... Red Deer would be devoid of half of it's vehicles! Plus, farmers like to get rid of cats in their exhaust systems... that's modifications.

If you modify your vehicle way beyond stock you can file for "special vehicle" insurance... you will need to have your vehicle appraised, though.
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Old 05-04-2004, 07:09 PM   #3
sideways slut
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Member#: 21085
Join Date: Jul 2002
Chapter/Region: W. Canada
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2.5 rs-t

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when you get your insurance they do ask you if youve modified your vehicle. you then sign the form that says no you havent, if youve lied. so i guess they couldwalk away if they found out but only if your mods cause the accident
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Old 05-04-2004, 07:14 PM   #4
Flexx999
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Member#: 36302
Join Date: May 2003
Chapter/Region: W. Canada
Location: St. Albert, Alberta
Vehicle:
2006 Big 16G WRX
Addicted to Blue

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I have never been asked if my vehicle has been modified on any insurance I have gotten in alberta. And when my car was hit last fall my insurance company said they will put my car back to the way it was before the accident.....modifications and all.

Meloche Monnex rocks!!!

Last edited by Flexx999; 05-04-2004 at 09:14 PM.
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Old 05-04-2004, 07:17 PM   #5
sideways slut
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Member#: 21085
Join Date: Jul 2002
Chapter/Region: W. Canada
Vehicle:
2.5 rs-t

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maybe its cause i spent so many years with kingsway
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Old 05-05-2004, 08:33 AM   #6
codger
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Member#: 13486
Join Date: Dec 2001
Chapter/Region: W. Canada
Location: Calgary
Vehicle:
06 Legacy GT wagon
Black

Default

Last time I checked with my broker, before upgrading brakes and suspension, there was no problem with that or minor power mods. They get a bit concerned about power mods like nitrous. They did suggest getting a licenced mechanic to do brake works, and to keep receipts.

It seems like there is more of an issue in Ontario right now, but I haven't heard of anyone having problems in Alberta yet.
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