Wow, that WAS a bit harsh
You have to admit, these insurance companies do try it on...
They are in a business where risk is an occupational hazzard, but rather than play the odds and make a tidy profit, they basically load up on no-brainers and refuse anything that has even the wiff of risk!
It's not just mods either; there are many vehicle owners out there who can't even get cover for their std vehicles, especially if their titles include STI, Evolution, GT-R or HSV.
We have a customer who owns a low k's NZ new Integra Type R; He was with Pioneer and his policy lapsed, so he tried to renew but they won't insure him.
I rang around and no-one else will either...at any price.
He has coilovers, an exhaust and a brand new Mugen engine as mods, he also has a full (clean) licence, two alarms (factory AND aftermarket), a secure garage and is 27 Y/O.
He also has a $600,000 house and was happy to have his home and contents insured along with the car...
And still a BIG FAT NO!
Way i see it, these companies are either in the business of insuring shit or they ain't.