Same deal with AAMI. All legal (key word) modifications are covered under the policy up to the amount insured for the car. I.E if agreed value is $20k, that remains the same with modifications. You need to raise the agreed value of the car to cover them.

That's how it works for me.

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MY08 WRX 325hp/456nm/18psi E85

I would be thinking that would be anything cosmetic rather than performance based.

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[I]and then we discovered it wasn't the Robot King after all, it was the real one. Fortunately I was able to reattach the head.[/I]

RAC is a bit of a weird one. every time I've talked to them about modifications on my wrx they ask me to list them, which I do, then they ask me "What is the power output of the engine stock and what is it now?" and i'm like ummm...

It's clear that they're just reading from a sheet of paper because when I question them on where they want the power output measured at, flywheel or wheels, i just get confusion in response. I then asked them do they want a dyno output or something and they still can't tell me. I discussed this with the poor lady for about 5 minutes having no luck so in the end i ended up kind of making it up based on what I thought the power output might be at the flywheel. I think they need to amend their policies on minor mods.

Ahhh ok I see! I just did my quote online and the automatic agreed amount that came in was about $10,000 over what I bought it for. Maybe they do that to allow for modifications?? Mine doesn't have any (YET) so I just knocked the agreed price down to what I paid for it and it reduced the premium. I'd say perhaps if they have no idea about where the power is measured etc it will be mostly cosmetic mods as howlfactor said?

Both SGIO and AAMI are a rip off for our cars.. Especially AAMI with it's $1200.00 Excess, they can shove it.

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2016 Levorg GT-S
Old man spec.

The whole principle of excess is so flawed.

My age excess at 24 $600
My age excess at 25 $0

In one day I become a $600 dollar safer driver. Not to mention said excess has absolutely no bearing on my driving experience. Find it bullshit some one could be 25 and have their license for 3 days and pay $600 bucks less excess than myself who has driven and held comp insurance and a license for almost 8 years straight never making claim.

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A man in nature;

"All in relation to nothing. Nothing in relation to infinity. A central point to both, And infinitely far from understanding either."

Just went to RAC to update my mod list with new turbo, injector and frp. Agreed value at 37000, 260 kw power (210 before). Incrwased my premium by 250, so I have to increase excess to bought it down.

Excess: 1000
High risk vehicle excess: 700
Agreed value: 37000
Premium: 1365 with max no claim bonus protection


using the Perth-WRX mobile app

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MY08 STI 422whp at 1.5bar on E85, built by Diversion Garage, assembled and tuned by EvoR

Update from new owner: 375whp at 1.4bar on 98, at Tokyo Motorsport

Probably because it is easier and more consistent for insurance companies to base their premium calculation on age rather than driving experience. It is all down to the numbers they get from the actuaries.


using the Perth-WRX mobile app

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02STi - Vipec, Oval Varex, APS CAI with K&N Filter, Walbro 255L, 53MM Koyorad & STD Coilover

19.5psi tune 271.6HP@6000 351.3NM@4700

At rally sprint last week i put my name down to get a quote from shannons ....

The foz is now full comp(besides racing) for limmited driving use, transport and towing covered and agreed value .. and all mods

using the Perth-WRX mobile app

Oh yea cams licence holders get a decent discount too

using the Perth-WRX mobile app