|
Post by DamnJeep on Dec 8, 2004 9:41:48 GMT -4
All this time I was worried about the DOT or vehicle compliance guys pulling me over and saying to take my jeep off the road.
In the end it wasn't them. Rather it was the insurance company.
Make a long story short. I wanted to put my jeep away for winter. Usually I just take insurance off. This time I wanted to put fire and theft on it. Because I never had fire/theft and the jeep is over 10 years old they wanted to see pictures. Crap. Now starts the questions.....
End results are they really don't want to insure a modified rig. Matters not if it passed inspection or whatever. The underwriter is still checking into it but doesn't look good. I also got the impression that if something had happened I would not have been covered as the jeep no longer was what was originally insured. I don't want to think about the court costs!!!
We shall see. Who does everyone else get coverage with? Mine "was" Economical Insurance".
So possibly this ends my "street legal" jeeping. And if I have to trailer it and not worry about passing inspection... All you folks who think you are "fabricators" you ain't seen nothing yet!
Rico
|
|
|
Post by tothewall on Dec 8, 2004 9:50:10 GMT -4
I am with wawanesa... Good prices and good service.
|
|
justajeep
Moderator
Valley - VP
Bear River, NS
Posts: 7,214
|
Post by justajeep on Dec 8, 2004 10:13:21 GMT -4
Too bad your Jeep isn't 15 years old, you could get the Custom Wheel Plan insurance for modified vehicles. If it's street legal, they'll insure it. Just have to have an appraisal done, as the premium is valve based.
For example: $5000 value - $184 a year, fully covered $10000 - $272
There are driving restrictions, but no different than how you use it now. Give Gary Steeves Insurance a call, they are the Maritime broker for the plan (Silver Wheel Plan for antiques too), and might be able to help you out. 1-800-595-3403
|
|
|
Post by JeepNB on Dec 8, 2004 10:27:28 GMT -4
As for Gary Steeves Insurance, might wanna talk to Country Girl (Lisa) on the NBJC Board, as she works for them, so she would be able to help you out...or call and ask for her maybe, she's a fellow Jeeper!! Not sure if she has registered on this new board yet, she was on the old one Good Luck with it however u go.... Wendell
|
|
|
Post by countrygirl on Dec 8, 2004 11:41:22 GMT -4
Hey Guys,
Unfortunately, there has been a bit of a misunderstanding as to what type of vehicles we insure at Gary Steeves Insurance. We specialize in antiques and classic automobiles. In order to apply for insurance, your vehicle must be 15 years or older. This does not mean that you automatically qualify for our plan. All vehicles must be show quality. We do not insure off road vehicles.
Now, if you have an old willy's that you have restored and are planning on using this vehicle for things like parades, car shows, just driving around town to show it off, that is something that we may be able to insure.
A 1989 Jeep with 35" Boggers, winch, etc., unfortunately we would be unable to insure.
If anyone has any questions, please email me, lisarossiter@rogers.com
|
|
|
Post by mike1997tj on Dec 8, 2004 12:18:26 GMT -4
I tryed all most every insurance broker in the yellow pages and no one would insure my lifted jeep
|
|
|
Post by sportsguy on Dec 8, 2004 12:31:07 GMT -4
I have had several conversations with my broker (Fraser & Hoyt - located in New Glasgow) regarding my Jeep and mods.
They in turn have spoken with the underwriter (Trader's General or Aviva, can't recall right now).
They had zero problems with my Cherokee after I added the 4" of lift and 31" tires. Their concern was that it had a valid safety inspection.
Of course, we then chatted about the fact that I drive my Jeep off road - they said have fun...just don't try to claim any damages from an incident resulting from trail riding.
So, the bottom line, as it was explained to me, was that so long as my Jeep is street legal and has a valid inspection, and the incident occurs while on road, I'm fine.
If I hit a tree in the woods, I'm on my own - but I kinda assumed that anyway.
I do have a very good relationship (so far) with my agent. They have always been honest. Though I do feel I still pay WAY too much to insure my 16 year old relic, such is life - it's not my agent's doing, the high rates...
We have been with this agent for the last 14 years or so, so that may have something to do with our rates being as good as they are. Additionally, we have, so far, clean abstracts.
I think there may be a difference, though, when the truck becomes noticably modified. My old Cherokee looked pretty much stock to most folks. I specifically asked the agent about adding larger tires than stock and she said how much larger? I said stock was 28", I'm at 31" - she said not to worry...if I had installed something like 56" tires (*laughs*), then I'd have to worry - not much clarity there on where the limit is, but I was fine with my 31's.
Not sure if any of this will help - but I can say, wait to hear form the underwriter. I was expecting to have to rip everything out of the Jeep...I was pleasantly surprised.
|
|
davecar
Jeeper
Webmaster and Mudder Newsletter Co-ordinator
Posts: 294
|
Post by davecar on Dec 8, 2004 13:25:26 GMT -4
AP Reid is the same. On road, insured. Off road, tough break. Need jeep safety inspected and legal. did not get any limit on sizes or extremes. i guess that will be a question/mod.
|
|
|
Post by DamnJeep on Dec 8, 2004 15:59:33 GMT -4
Thanks for the replys.
Duane hit it right on. Level of change is a BIG factor. Lets face it. "Most" of the jeeps in the club are lightly modified and may have lots of bolt on accessories but aren't to the point where they would draw too much "wrong" attention.
However. Once you get to my level of modification there just isn't anymore hiding.
Like I said before. The company didn't seem to care if the jeep was inspected and still "street legal" it is no longer in the same configuration as when it was originally insured.
Still haven't heard back yet. But life goes on.
If you are takning the "don't ask, don't tell" approach to insurance just make sure it won't come back and bite your butt in an incident.
|
|
|
Post by Johnniemac on Dec 8, 2004 19:51:01 GMT -4
I spoke with an insurance rep from Sydney today about this. He told me that basically if you smash it off road you are on your own. It needs to be MVI'd and he says it is safe for the road. Also any modifications which make it non-legal for NS highways get deamed un-insurable. He also remarked that because things get banged up while wheeling that a vehicle can get to look unsafe.--read copbait. The cracked taillamp may not be a lot but when the popos start snooping there may be something else to find like e-brakes not working, broken horn etc.
|
|
|
Post by sportsguy on Dec 9, 2004 7:51:57 GMT -4
I hate it when I break my horn off roading...LOL Sorry - had to...
|
|
davecar
Jeeper
Webmaster and Mudder Newsletter Co-ordinator
Posts: 294
|
Post by davecar on Dec 9, 2004 7:52:03 GMT -4
Once you get tothe point where it starts to look like a professional rock crawler, I think its time to buy another jeep for a towing your creation. If you can literally drive over other cars, insurance may be leary.
|
|
|
Post by DamnJeep on Dec 9, 2004 10:45:09 GMT -4
Yeah Dave. There is THAT problem.
I remember driving our CRX and parked in front of the jeep. I was basically looking at the bottom of the jeep/engine etc...
And when I was running side pipes they dumped at head level on most cars. Oops.
Already looking for a tow rig.
|
|
davecar
Jeeper
Webmaster and Mudder Newsletter Co-ordinator
Posts: 294
|
Post by davecar on Dec 9, 2004 10:49:01 GMT -4
There is a real nice bargain in Jeepkings.ca. Look under jeeps for sale...2003 jeep TJ, 18,500.
|
|
|
Post by Johnniemac on Dec 9, 2004 11:03:42 GMT -4
I'm desprately trying to dump two '04s. PM me.
|
|