"A friend of mine had a minor claim delayed because the insurer wanted extra verification on his aftermarket headlights, despite him having proper receipts and installation records."
Haha, insurers and aftermarket parts—name a more iconic duo. I once spent weeks convincing my insurer that the vintage-style side mirrors on my classic were legit. Had invoices, photos, even a letter from the shop owner... Felt like I was submitting evidence in court rather than filing a simple claim. Definitely agree with keeping thorough records; it saves headaches down the road.
"Definitely agree with keeping thorough records; it saves headaches down the road."
Couldn't agree more about documentation being key, especially with aftermarket gear. I've noticed insurers often scrutinize modifications because they can affect safety standards and vehicle performance. Curious though—has anyone here had their premiums adjusted significantly after declaring aftermarket modifications, even minor ones like lighting or mirrors? Seems like a double-edged sword sometimes...
I had a similar experience with my '67 Mustang—declared upgraded brakes and suspension components, thinking it'd reassure the insurer about safety. Ironically, my premium went up slightly... seems insurers equate "safer" with "higher performance," hence higher risk. Bit frustrating, honestly.
"seems insurers equate 'safer' with 'higher performance,' hence higher risk."
Yeah, learned that lesson myself when I upgraded my brakes. Thought I'd get a pat on the back... instead got a higher bill. Guess insurers prefer us cruising slow and stock, haha.
"Yeah, learned that lesson myself when I upgraded my brakes. Thought I'd get a pat on the back... instead got a higher bill."
You're spot-on there. It's counterintuitive, but insurers often see modifications—even safety-focused ones—as indicators of increased risk. From their perspective, upgraded brakes or suspension components suggest the vehicle might be driven more aggressively or at higher speeds, even if that's not your intention. It's all about statistics and risk assessment models. Stock vehicles have predictable performance metrics insurers can easily factor into their calculations. Once you start tweaking things, even for safety, it introduces uncertainty into their equations.
I had a client who installed advanced safety tech like lane-assist and collision avoidance systems aftermarket, thinking it'd lower his premiums. Instead, his rates went up slightly because the insurer couldn't verify the reliability or proper installation of the aftermarket parts. Frustrating, I know... but that's how the industry operates. Best bet is usually to check with your insurer before making significant mods—might save you some headaches down the road.
