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Thread: Modified Jeep Insurance

  1. #21
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    Hi Guys,

    Sorry that I have not been too active over the last bit. Unfortunatley I was recently diagnosed with B cell lymphoma and have been in the Hospital since mid December. Out look looks good but I will be out of commission for a couple more weeks. I am however still in discussions with one of our insurance companies to develop a product to cover some modifications for your rigs. This process has slowed a bit due to my health, but I hope to have news by end of Jan. Please continue to post any questions you have but allow for litte bit of time for me to answer. Happy Holidays and hope everyone has a great New Year
    97' TJ SE.
    lift challenged

  2. #22
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    Quote Originally Posted by Cormega View Post
    Hi Guys,

    Sorry that I have not been too active over the last bit. Unfortunatley I was recently diagnosed with B cell lymphoma and have been in the Hospital since mid December. Out look looks good but I will be out of commission for a couple more weeks. I am however still in discussions with one of our insurance companies to develop a product to cover some modifications for your rigs. This process has slowed a bit due to my health, but I hope to have news by end of Jan. Please continue to post any questions you have but allow for litte bit of time for me to answer. Happy Holidays and hope everyone has a great New Year





    Well you take really good care of yourself. Im not in a huge hurry

  3. #23
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    Your health is priority one, get better man

  4. #24
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    Quote Originally Posted by Cormega View Post
    This process has slowed a bit due to my health, but I hope to have news by end of Jan.
    Holy shit dude, forget about trivial things like Jeeps until you get better.

    Good luck with it and best wishes.

  5. #25
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    Modified Jeep Insurance

    What the last three guys said.
    His ---> 04 LJ - 4.0L, Auto ɹnoɟ pɐǝɹʇǝɹ
    Hers ---> 75 Renegade Project - 304 V8, T15 3 speed uoıʇɐıɔossɐ ʎq pɐǝɹʇǝɹ

  6. #26
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    get better dude
    http://www.youtube.com/user/piratexpress1369a
    96 ZJ 4.0L 33x15 BFG'S

    OF4WD#5926

    http://www.jeepkings.ca/forums/showt...sket+placement


    IN LOVING MEMORY ..DAYKOTA
    PIRATES NEVER LEAVE HOME WITHOUT HIS BOAT..

  7. #27
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    How are you doing now I know its been a while but I didnt find an update on you. Sooo how goes it?
    OF4WD #7392 88 Romeo

  8. #28
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    I dont speak for everyone else... main concerning question in my mind is liability regardless of modifications that wont be dropped when claim is needed.
    IE - someone else smokes you,
    find out you have some mods that change certain aspects of the vehicle in question only to find you're found to be ineligible and dropped to counter claims from second party saying...
    they have permenant back inuries because your vehicle got in the way and caused an accident. (as a baisic scenerio off the top of my head)

    Or worse yet, its wet or snowing out, you have problems and run into someone else causing bodily injury because of the iron bumpers and side bars that are now raised up to a height not normaly tested in crash conditions with a particular vehicle.

    there is probably more I could think of, just a quick couple as an example.

  9. #29
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    to even get to that point you need insurance just to get a plate. And you need to be honest to your agent Big tires slashed " we dont cover that" winch same deal, etc etc....

  10. #30
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    I had my Jeep Appraised by a Professional.. all Mods Fully disclosed.
    Mods were almost a full page, Full Color pictures the whole deal.
    and handed it to my broker..

    Not sure how or what they did, My rates went up.. BUT
    I am Fully Insured for replacement value Including ALL Mods.

    Did same thing with Wifes Jeep.

    I will ask her what she had to do to get it thru next time I talk to her
    and let you know.

  11. #31
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    Re: Modified Jeep Insurance

    When it comes to insurance its all about the money..... I know a person who bought a modified car..... Borrowed the money to do so.. ..... Bank wanted the loan secured....... He tried everywhere NO one would touch him...... Daddy owns a company with a fleet of vehicles...... He makes his young lad sweat it out for a few weeks and then calls his insurance company........ Not a problem....... Bet if I called them there's no way they would touch me...... Then again I don't spend 50 thou a year or more with them.

    Sent from my Nexus 7 using Tapatalk 2
    A wise man once said "Better to remain silent and be thought a fool than to speak out and remove all doubt."

  12. #32
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    Re: Modified Jeep Insurance

    ^ I was just going to suggest something similar.
    Badthumper I'm betting you also have a house and possibly other stuff with them?
    2010 JK Unlimited Sahara, rubi axles, 35" duratracs, OME lift: Written off, RIP.
    2006 LJ Rubicon Lots of stuff from TMR installed by CT Motorsports (see profile if you want to know) project once more with feeling
    Quote Originally Posted by igotafrigginjeep View Post
    Listen to the wise Drizit
    Hey he said it not me.
    There Must have been a time when we could have said no.

  13. #33
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    Egg refered me to the co-operators in London. the answer I got is basically "no" I need insurance!!! I have a whole package to insure for a good agent.

  14. #34
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    Getting insurance for a plate on a modified Jeep/vehicle is no problem at most places. Getting your mods insured is also no problem. But getting liability coverage over 200g is impossible through my research. My previous post in this thread explains the changes they made a few years ago under our noses. It sucks.
    1991 Xj Gone to a new home.
    1948 willys Jeep pickup sitting and waiting.
    1984 toyota currently beating & building.

    OF4WD #6069

  15. #35
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    Quote Originally Posted by stickyken View Post
    Getting insurance for a plate on a modified Jeep/vehicle is no problem at most places. Getting your mods insured is also no problem. But getting liability coverage over 200g is impossible through my research. My previous post in this thread explains the changes they made a few years ago under our noses. It sucks.
    This company gave an option of 2,000,000 included in the quote?

  16. #36
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    If you disclosed everything I would jump on that depending on price of coverage.

  17. #37
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    there was nothing to disclose as I said they asked the particulars on the jeep ie vin year and value I want to insure for. thats it(so far). Im not ready to pay insurance before my drive shafts are bought though!!!
    Last edited by jeeper52; 03-15-2013 at 03:37 PM.

  18. #38
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    Ok, so it's bone stock? If so, then this is out of context.

  19. #39
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    its not stock, but they didnt ask either. Just vin year and insured amount thats all they asked besides having another vehicle thats a DDand its insured they ask you current policy #.

  20. #40
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    Quote Originally Posted by Cormega View Post
    I'm actually working with one of our carrier in hopes of developing a product that would cover such a risk. Unfortunately the second most companies hear modifications they automatically think racing. Some brokers will provide coverage on a case by case basis, they are usually an individual broker who has an understanding of the mods and can properly explain it to the underwriters. I should have some more information on this within the next few weeks.


    Have you got anywhere yet? youll have a bunch of clients as soon as you do. Keep us informed.

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