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Insurance Coverage of Old, Modified Audis
Here's a question I haven't seen discussed during my presence on the
list. I'm primarily interested in responses from U.S. listers, as
from an examination of the UK's VW/Audi Magazine, I see our
nations handle auto insurance just a bit differently.
My insurer is GEICO Casualty (used to be with GEICO Indemnity,
my, _that's_ a story!). Periodically, GEICO asks its policyholders to
fill out a questionnaire about their driving habits and the status of
the insured automobiles. Generally, these are the same questions
they ask when you fill out the application for the policy.
One question they ask is: has the car been restored or modified in
Of course, they need to know this; if you're carrying comprehensive
firem theft, and collision coverage, they need to have an idea how
much you car will cost to replace/restore/rebuild.
How "forthright" are listers about disclosure? In particular, do you
tell them about those illegal non-DOT Euro headlights? No? Anybody
had a wreck in a 5K with Euro lights, and then had to make a claim to
get replacement parts?
Anybody's rates go up with they admitted their 86 5kcstq is pushing
225hp, not the 160hp it had on the showroom floor?
The two main issues, then are:
1) Do your rates go up if you admit to performance mods?
2) Will they continue to insure your car if you're running
And lastly, does anyone on the list use one of those insurers who
specialize in souped-up and restored cars? What kind of rates,
-Douglas Hurst Quebbeman (firstname.lastname@example.org) [Call me "Doug"]
QuattroClub USA# 4536 Audi International # 100024
74 100LS Auto, 77 100LS Auto, 84 Coupe GT, 86 5Kcstq
"The large print giveth, and the small print taketh away." -Tom Waits