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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 01-07-2011, 08:59 PM   #1
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Question about proper coverage from icbc

Hey guys I was wondering if anyone knows the correct approach to take in insuring a car say with modifications in terms of being protected in the event of collision/writeoff etc...
Basically a vehicle with a new engine and other transplanted parts from a newer vehicle won't get into detals about it...
autoplan guy wasn't very helpful as he didn't know which steps to take..
Do I just get it appraised?
Anyone have any experience with this situation good or bad?
Thanks
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Old 01-07-2011, 09:20 PM   #2
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This was mentioned in the R34 stolen thread. I forget what it was called but there is a special plan
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Old 01-07-2011, 09:25 PM   #3
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Quote:
Originally Posted by CL_S View Post
Hey guys I was wondering if anyone knows the correct approach to take in insuring a car say with modifications in terms of being protected in the event of collision/writeoff etc...
Basically a vehicle with a new engine and other transplanted parts from a newer vehicle won't get into detals about it...
autoplan guy wasn't very helpful as he didn't know which steps to take..
Do I just get it appraised?
Anyone have any experience with this situation good or bad?
Thanks
Depending on what parts, it may have to be re-inspected.

Anyway, took me about 30 seconds to find this on ICBC's website:
http://icbc.com/autoplan/optional/ve...cial-equipment
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Old 01-07-2011, 11:05 PM   #4
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Try going to another autoplan.... or call ICBC... They would have the most accurate information to help you out.
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Old 01-08-2011, 02:19 AM   #5
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Thanks guys although the icbc link doesn't help though......basically if anyone with an eg has done a k20 conversion what options have you taken? Aside from receipts, what else is sufficient?
I guess I will have to phone icbc directly.
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Old 01-08-2011, 05:19 PM   #6
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Appraisal. And arguing when your car gets written off. That being said, your car will be covered for my 1/6 of what it's worth.

Try going private.

Or, accept that you have a modified car and anytime you crash a modified car you're fucked. Hopelessly fucked.
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Old 01-08-2011, 07:30 PM   #7
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Appraisal. And arguing when your car gets written off. That being said, your car will be covered for my 1/6 of what it's worth.

Try going private.

Or, accept that you have a modified car and anytime you crash a modified car you're fucked. Hopelessly fucked.
The only decent way to recover any funds from a modified car that gets wrecked is swap stock parts back on and sell the after market stuff.. but still.. your pretty much fucked.
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Old 01-08-2011, 07:56 PM   #8
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It depends on the age / model of the car.

Basically you won't get full amount back if you modify your daily driver (according to ICBC's definition of your daily driver.)

I have made a post about it here.
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Old 01-08-2011, 09:06 PM   #9
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Keep your receipts and have an appraisals done on the vehicle. Your in a way covered up to the first $5,000 in attached modifications (ie: paint jobs, wheels, etc.) in the regular coverage. ICBC also sells an excess special coverage coverage on top of the $5,000; they use like an special ratio for this coverage (ie: every $100 worth of mods could be xx dollars).
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