Intercooler: FMIC & TMIC

[bass_straitener]

I'm currently shopping for insurance as I've completed all my mods and will let the forum know.

I've faxed off a full mod list to the RACV, GIO, my current insurer, and Shannons.

On the call back I'll ask the FMIC and removal or modification of the front crash bar question.

Simply judging by the line of questioning and detail requested I'll say the mod being suggested here will void any insurance policy.

[Rome_BRZ]

Line of questioning and detail requested from who? Would be good for everyone to know if you do get something in writing though as that's hard to dispute. What they say over the phone and what they put in writing can vary greatly!

At the end of the day though, insurance companies are not in the business of paying out otherwise they would not be in business full stop. Regardless of what an insurance company says they cover or don't cover, if on the day they decide they don't want to pay you out that's the end of the story. If your car is completely totalled how are you going to be able to argue that one of your mods wasn't the original cause of the accident? That's the line that they used on a friends BMW that was wrapped around a pole. Thankfully he only came out with a broken arm.

This is the risk we take by modifying our cars outside of OEM specifications. Gambit is the most recent success story, he had quite extensive mods done to his car yet was still paid out by Shannons. I highly doubt every single case will be that lucky.

EDIT: Sorry Gambit I didn't mean it was a success that your car was written off I just meant successful claim!

[bass_straitener]

Exactly the reason I get everything in writing, declare everything and get faxed confirmation of all phone conversations and documentation submitted.

All 3 companies I spoke of earlier will comprehensively insure my car, though I am a bit older as well as having a pretty good driving record.

At the end of the day I don't want to see me, my family, or someone else adversely affected because of the pursuit of a few kw.

Is it worth the risk given the risk?

[Rome_BRZ]

Exactly the reason I get everything in writing, declare everything and get faxed confirmation of all phone conversations and documentation submitted.

All 3 companies I spoke of earlier will comprehensively insure my car, though I am a bit older as well as having a pretty good driving record.

At the end of the day I don't want to see me, my family, or someone else adversely affected because of the pursuit of a few kw.

Is it worth the risk given the risk?

You've already taken a risk though? This is my point, getting it all in writing improves your chances of a successful claim but it isn't the be all and end all. They can still deny your payout. Worst case scenario, your car gets totalled right at a time when they are experiencing much higher than normal claims (say during flooding or something like that), they could start assessing cases a lot more stringently and if they want to find a way to deny your payout they can. That's why they will include wording such as "the modification will be covered as long as it does not become the cause of accident or damage" or some shit like that blah blah blah.

After 5 years of dealing with all kinds of insurance companies I can tell you that nothing is certain no matter what you have in writing, but not having it in writing is just taking an unnecessary risk

[Rome_BRZ]

Sorry am just too much of a sceptic and I'm only 23, god help me

[rooby]

I'm with Shannon's and they are fine with my mods so far but I haven't checked about FMIC.

[Rome_BRZ]

I'm with Shannon's and they are fine with my mods so far but I haven't checked about FMIC.

Shannons will cover a FMIC.

[[ITS-STI]]

That sucks because i am with NRMA... Too late now... Have spent quite a bit of time and money to get this looking alright FOR NOW...

This is when i picked up the intercooler kit off Jim... Had scratches and blemishes on the pipework and a few bent fins...

Before:





And this is after i purchased a brand new core and sent the pipes away to get the epoxy polished off and to have the welds mildly linished (no offence PHAT but you know how i am) which was curtosey of Sam from All Chrome Bits...

[Rome_BRZ]

1. You can cancel an insurance policy at any time and they will refund you if you have paid an annual premium (calculated by how many days are left for your premium year). I know NRMA does this because I cancel and renew my policy every year I get older (until I turn 25) as it gets cheaper and cheaper. Just make sure your insurance with the new provider is in force before cancelling current insurance or else you could end up uninsured for a period of time.

2. Nice work looks nice and shiny now...you're not going to go with a black core for stealth? Also the new core looks slightly wider than the original core....or is that just me? Phat fits the pipes very precisely so if it is a different size that could pose a fitment problem...

3. Stop trying to make it look like you lift

[<GB>]

front mount with the removal or cutting of the crash bar/reo will void your insurance if they catch you. when they say you can have one im sure they assume you havent changed or modded the crash bar/reo

i want a water to air for this very reason

[Rome_BRZ]

front mount with the removal or cutting of the crash bar/reo will void your insurance if they catch you. when they say you can have one im sure they assume you havent changed or modded the crash bar/reo

i want a water to air for this very reason

The Shannons info came from someone who had advised of the removed crash bar. I also received this info over the phone from Shannons

[[ITS-STI]]

1. You can cancel an insurance policy at any time and they will refund you if you have paid an annual premium (calculated by how many days are left for your premium year). I know NRMA does this because I cancel and renew my policy every year I get older (until I turn 25) as it gets cheaper and cheaper. Just make sure your insurance with the new provider is in force before cancelling current insurance or else you could end up uninsured for a period of time.

2. Nice work looks nice and shiny now...you're not going to go with a black core for stealth? Also the new core looks slightly wider than the original core....or is that just me? Phat fits the pipes very precisely so if it is a different size that could pose a fitment problem...

3. Stop trying to make it look like you lift

That is why i haven't said a thing! I have been with them for 6 years now plus it is under my fathers name for cheaper premium...

I originally wanted to go the stealth look but i figured what is the point of spending a $1,000.00 bucks on your car for people to say it looks the same? If you got it flaunt it! It is a few maybe 10mm wider which shouldn't be a problem as i will push the pipes hard up against the outlets...

Sorry bro... That one isn't mine... That is my mums one... Mine doesn't fit in the picture lol!

[[ITS-STI]]

front mount with the removal or cutting of the crash bar/reo will void your insurance if they catch you. when they say you can have one im sure they assume you havent changed or modded the crash bar/reo

i want a water to air for this very reason

Well... Kind of perfect that you have posted in here... I am EXTREMELY interested in veiwing your FMIC set up as to my opinion is one of the neatest... Do you have any pics? Also, if you get your hands on a WAIC i'll take yours off you!

[Rome_BRZ]

That is why i haven't said a thing! I have been with them for 6 years now plus it is under my fathers name for cheaper premium...

I originally wanted to go the stealth look but i figured what is the point of spending a $1,000.00 bucks on your car for people to say it looks the same? If you got it flaunt it! It is a few maybe 10mm wider which shouldn't be a problem as i will push the pipes hard up against the outlets...

Sorry bro... That one isn't mine... That is my mums one... Mine doesn't fit in the picture lol!

True...plus you don't even drive yours so it doesn't matter. Once you get your licence back do you go to fulls? Or Ps?

Because it DRIVES better isn't that the point? Nah I know what you mean...I'm gonna have mine painted black though after some consideration

And to your last comment...

[<GB>]

front mount with the removal or cutting of the crash bar/reo will void your insurance if they catch you. when they say you can have one im sure they assume you havent changed or modded the crash bar/reo

i want a water to air for this very reason

The Shannons info came from someone who had advised of the removed crash bar. I also received this info over the phone from Shannons

thats bullshit,, if you have modified your car and this mod effects the car original structral integrity in anyway its classified as un roadworthy if say the front mount was Australian design approved like a bullbar nudge bar than this is ok, but this is all they need to void your insurance.

New laws have been introduced in victoria and these new laws allow a licenced vehicle tester to knock back your car if its structure has been modified or even after a crash and the repairs are sub standard

and you trust some wanker in a call center?