Aftermarket parts insurance?

shirokenkami · 12-06-2016, 04:17 PM

Is there such a thing? I already have GREAT insurance with Farm Bureau and love them but I was wondering if there is a company that will cover any loss of aftermarket parts? I mean God forbid you get in an accident with an Amuse body kit and $10k in engine parts... Just curious if there is such out there.

Jayhovah · 12-06-2016, 05:21 PM

Most will do something. I have progressive and they cap the limit of aftermarket part value at $5k... I am planning to switch when I find the time to shop around.

Hagerty I believe will cover all your mods... I haven't hit them up for a quote yet though.

future370zzz · 12-06-2016, 05:46 PM

They will but it's expensive.

birdman71 · 12-06-2016, 07:46 PM

Coming from an Insurance professional in CA
Other states besides CA have aftermarket parts coverage, although it does cost a lot like others said before.

Although Insurance companies split up the term Aftermarket parts.
Of course, we all know there are Aesthetic and Performance mods you can do.
Anything that tampers with the engine internals that is not OEM parts being repaired or replaced are Performance Mods.
Aesthetics are of course body kit parts etc.
Insurance companies see Performance mods as a reason to break traffic laws since it makes your car faster and more dangerous, seen as much more of risk that they exclude it from their policies. Since it is a intent to make the vehicle faster. If you are in a wreak they will place the blame on your for the intent of making the vehicle faster with performance mods making it unsafe and a high liability risk.
The grey area I don't know about are Aerodynamic mods. Like Diffusers and splitters and canards. They are aesthetic, but for performance. So if you have it and any insurance person asks you they are for aesthetic reasons lol

So for example, if you strap a Twin Turbo Kit to stock/performance internals and 3 months after blow your engine, your insurance company will deny the claim because of them being performance modifications.
Even if you were in an incident to where it was a collision and not a blown engine, the insurance would pay out aesthetic parts but not the TT kit or any install/labor.

I have not found one insurance company other than Lockton Motorsports (track insurance) which would cover Performance Parts. But that kind of Insurance for $100,000 costs close to $500 per month ($6k/yr) here in Cali.

IF YOU FIND A COMPANY THAT TELLS YOU THEY COVER PERFORMANCE AFTERMARKET PARTS LIKE THE TT AND SC KITS GET THAT SHIITT IN WRITING LOL!

Just my

kenchan · 12-06-2016, 08:16 PM

Wth is a farm bureau.

SouthArk370Z · 12-06-2016, 08:50 PM

Quote:

Originally Posted by kenchan

Wth is a farm bureau.

A rural chest of drawers

kenchan · 12-06-2016, 09:03 PM

madeinjapan · 12-07-2016, 08:13 AM

you can buy insurance for anything you can think of really

Hotrodz · 12-07-2016, 08:40 AM

I have State Farm and have been with them forever. I called them to asked about paying for additional insurance to cover my mods and I was told I didn't have to as they will cover what ever the shop states needs replacing. I have not had need for any of my performance parts to be replaced but they did replace my front bumper, zspeed under tray and Next Level carbon fiber splitter minus my $500 deductible after a high seed encounter with a jack rabbit.

birdman71 · 12-07-2016, 06:10 PM

Quote:

Originally Posted by Hotrodz

I have State Farm and have been with them forever. I called them to asked about paying for additional insurance to cover my mods and I was told I didn't have to as they will cover what ever the shop states needs replacing. I have not had need for any of my performance parts to be replaced but they did replace my front bumper, zspeed under tray and Next Level carbon fiber splitter minus my $500 deductible after a high seed encounter with a jack rabbit.

I work for State Farm in California, and yeah we wouldn't be one to have issues with covering those types of aesthetic parts in states that have aftermarket parts coverage included. Lucky haha

This may be different in AZ as insurance regulations and policies vary state to state, and beginning with you actually have included aftermarket parts coverage haha.
If you have a chance sometime soon I would call over to the Agents office and ask them to call underwriting and have them ask in regards specifically to performance parts, like you TT setup. Just to confirm at least.
If they confirm the coverage, have them ask for the underwriters name and alias and write it down with the date and time and then relay the info to you.
That way, if in the rare chance that there is an issue with covering it you have yourself covered.

More of a reason I want to move away from socal/ cali too much bs and flaming hoops to jump through.

Hotrodz · 12-07-2016, 10:57 PM

I hear you man, I hope I never have to find out because if I or anyone is in an accident that compromises a tt or supercharge system is bad juju!

birdman71 · 12-08-2016, 02:14 PM

Quote:

Originally Posted by Hotrodz

I hear you man, I hope I never have to find out because if I or anyone is in an accident that compromises a tt or supercharge system is bad juju!

Anytime anything happens to the Z it is bad juju, unless you end up pulling a Ricky Bobby to win a race.

12-06-2016, 04:17 PM	#1 (permalink)
shirokenkami Base Member Join Date: Oct 2016 Location: Middle Tennessee Age: 38 Posts: 232 Drives: 2013 Z Tour Spt 6mt Rep Power: 23	Aftermarket parts insurance? Is there such a thing? I already have GREAT insurance with Farm Bureau and love them but I was wondering if there is a company that will cover any loss of aftermarket parts? I mean God forbid you get in an accident with an Amuse body kit and $10k in engine parts... Just curious if there is such out there. __________________ “The only thing necessary for the triumph of evil is for good men to do nothing.”- Edmund Burke

12-06-2016, 05:46 PM	#3 (permalink)
future370zzz Track Member Join Date: Dec 2011 Location: Bay Area Posts: 555 Drives: 10 Nissan 370z Rep Power: 14	They will but it's expensive. __________________

12-06-2016, 07:46 PM	#4 (permalink)
birdman71 A True Z Fanatic Join Date: Apr 2015 Location: Los Angeles, CA Posts: 1,579 Drives: People Crazy! Rep Power: 40	Coming from an Insurance professional in CA Other states besides CA have aftermarket parts coverage, although it does cost a lot like others said before. Although Insurance companies split up the term Aftermarket parts. Of course, we all know there are Aesthetic and Performance mods you can do. Anything that tampers with the engine internals that is not OEM parts being repaired or replaced are Performance Mods. Aesthetics are of course body kit parts etc. Insurance companies see Performance mods as a reason to break traffic laws since it makes your car faster and more dangerous, seen as much more of risk that they exclude it from their policies. Since it is a intent to make the vehicle faster. If you are in a wreak they will place the blame on your for the intent of making the vehicle faster with performance mods making it unsafe and a high liability risk. The grey area I don't know about are Aerodynamic mods. Like Diffusers and splitters and canards. They are aesthetic, but for performance. So if you have it and any insurance person asks you they are for aesthetic reasons lol So for example, if you strap a Twin Turbo Kit to stock/performance internals and 3 months after blow your engine, your insurance company will deny the claim because of them being performance modifications. Even if you were in an incident to where it was a collision and not a blown engine, the insurance would pay out aesthetic parts but not the TT kit or any install/labor. I have not found one insurance company other than Lockton Motorsports (track insurance) which would cover Performance Parts. But that kind of Insurance for $100,000 costs close to $500 per month ($6k/yr) here in Cali. IF YOU FIND A COMPANY THAT TELLS YOU THEY COVER PERFORMANCE AFTERMARKET PARTS LIKE THE TT AND SC KITS GET THAT SHIITT IN WRITING LOL! Just my Cheech and shirokenkami like this. __________________ *Birdman's Build:* Powerhouse Amuse/ Nismo/ Eibach/ ACT/ Tommy Kaira/ Avant Garde/ Fast Intentions/ Project Kics/ Fly 1 Motorsports/ EVO-R/ Z1 Motorsports/ Weber Sports/ Zoom/ Zele Japan

12-07-2016, 08:40 AM	#9 (permalink)
Hotrodz A True Z Fanatic Join Date: Aug 2012 Location: NW, AZ Posts: 9,330 Drives: 10 Nissan 370z Nismo Rep Power: 2684385	I have State Farm and have been with them forever. I called them to asked about paying for additional insurance to cover my mods and I was told I didn't have to as they will cover what ever the shop states needs replacing. I have not had need for any of my performance parts to be replaced but they did replace my front bumper, zspeed under tray and Next Level carbon fiber splitter minus my $500 deductible after a high seed encounter with a jack rabbit. birdman71 likes this. __________________ *Fast Intentions TT Installed and Tuned by Seb at SpecialtyZ 610whp 560tq:\|Fast Intentions 3" TT-TDX*\|SpecialtyZ/Fast Intentions 72 Row Oil Cooler\|SZ 6 Puck Clutch & Flywheel\|3GsCustoms\|Z1\|Wavetrac\|Hotchkis\|Whiteline \|Blitz\|Fortune Auto 500\|Fujimura\|SPL\|H&R\|TK\|TWM\|RPM Rollbar\|Sparco\|Next Level Performance\|TrackSpec\|AeroFlow Dynamics\|Pioneer\|

12-07-2016, 10:57 PM	#11 (permalink)
Hotrodz A True Z Fanatic Join Date: Aug 2012 Location: NW, AZ Posts: 9,330 Drives: 10 Nissan 370z Nismo Rep Power: 2684385	I hear you man, I hope I never have to find out because if I or anyone is in an accident that compromises a tt or supercharge system is bad juju! birdman71 likes this. __________________ *Fast Intentions TT Installed and Tuned by Seb at SpecialtyZ 610whp 560tq:\|Fast Intentions 3" TT-TDX*\|SpecialtyZ/Fast Intentions 72 Row Oil Cooler\|SZ 6 Puck Clutch & Flywheel\|3GsCustoms\|Z1\|Wavetrac\|Hotchkis\|Whiteline \|Blitz\|Fortune Auto 500\|Fujimura\|SPL\|H&R\|TK\|TWM\|RPM Rollbar\|Sparco\|Next Level Performance\|TrackSpec\|AeroFlow Dynamics\|Pioneer\|

12-06-2016, 08:16 PM	#5 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141521	Wth is a farm bureau.

12-06-2016, 09:03 PM	#7 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141521

12-07-2016, 08:13 AM	#8 (permalink)
madeinjapan Banned Join Date: Jan 2016 Location: pistolvania Posts: 1,387 Drives: 2013 g37x 2014 370z Rep Power: 0	you can buy insurance for anything you can think of really

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