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Thread: Vehicle modification causes insurance complications for Ontario man

  1. #1
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    Default Vehicle modification causes insurance complications for Ontario man

    This seems like a way for insurance providers to get out of their obligation of providing the services paid for by drivers.

    Modasir Ayobi takes a lot of pride in his car.


    A year ago, the 21-year-old Whitby, Ont., man leased a 2020 Subaru BRZ and is working two jobs to pay for it.

    The monthly lease costs him about $500. His insurance is even more: $7,200 a year.

    But after he collided with another vehicle on March 12 that left his vehicle a total loss, Ayobi got a second shock: the insurance company wouldn’t pay up.

    “They denied the whole claim, around $35,000,” Ayobi said.

    Ayobi was never charged in the accident although he was determined to be at fault by Desjardins Insurance.

    It refused to pay for the loss because Ayobi had modified the Subaru exhaust system without its knowledge or permission.

    When he leased the vehicle in 2020, Ayobi paid more than $2,000 to have a customized exhaust system installed on the Subaru. He kept the original one in his basement, intending to have it reinstalled on the vehicle when a four-year lease came up.

    A modified exhaust system, a favourite of many young drivers, is typically louder than the original equipment that comes with the vehicle.

    “If I knew modifications would affect insurance I wouldn’t have done that,” he told Global News.

    Other drivers are probably unaware as well, especially if they don’t carefully read their insurance policy and the documents that accompany it.

    In an overview letter that was sent to Ayobi at the time he was insured, Desjardins alluded to the risk.

    “Your vehicle is considered to be modified if it has been changed in any way from its original condition in order to improve or alter its performance, appearance or increase its value. If you make or plan to make modifications to your vehicle, contact us to make certain we are able to insure you properly,” the document reads.

    Modifications could include a louder exhaust system, a lowered suspension, even tinted windows. If an insurance company believes you have violated its terms, you could pay the price.

    Desjardins Insurance not only denied the claim it cancelled his insurance policy.

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    However, Ayobi’s story has a bright ending: after Global News contacted the company about Ayobi’s case, Desjardins Insurance reviewed the claim and has agreed to pay in full.

    “That is correct,” a spokesperson said in an email.

    Others might not be so lucky. If someone wants to modify a vehicle, the safe bet is to contact the insurance company to see if it will be a problem.
    https://globalnews.ca/news/7825120/v...complications/

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    Quote Originally Posted by heavyD View Post
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    This seems like a way for insurance providers to get out of their obligation of providing the services paid for by drivers.

    https://globalnews.ca/news/7825120/v...complications/
    That sucks. End of the day, all insurers literally ask (and record you) through a set of questions that includes are you going to modify the vehicle as you're buying insurance. Answer it honestly to understand how much more you might be paying if you do said mods.
    Originally posted by SEANBANERJEE
    I have gone above and beyond what I should rightfully have to do to protect my good name

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    Quote Originally Posted by rage2 View Post
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    That sucks. End of the day, all insurers literally ask (and record you) through a set of questions that includes are you going to modify the vehicle as you're buying insurance. Answer it honestly to understand how much more you might be paying if you do said mods.
    Fair, but that exhaust system "modifies" that vehicle about as much as a thorough wash and wax. The insurance company is just being... An insurance company which is synonymous with a bag of sweaty cocks.
    If he turbo'd the shit out of it and increased its power by 70% then that's quite a different story.

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    My guess is having modified exhaust puts you in a riskier bucket. Insurance is welcome to draw their buckets as they see fit. Same as how your postal code affects your premium.

    Pro tip, don’t lie to your insurance company
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    https://www.desjardinsgeneralinsuran...fect-insurance

    Look it what these guys may void your insurance on.....

    Tinted windows
    Advanced stereo system
    Alloy wheels
    Larger transmission (for more power)
    Paint modifications
    Raised suspensions
    Larger tires
    That said, $7200 seem excessive even for a 21yr old in GTA. There's gotta be more to the driver's history.
    Last edited by Xtrema; 05-05-2021 at 03:14 PM.

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    “Larger transmission” lol
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    Quote Originally Posted by killramos View Post
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    “Larger transmission” lol
    It's for more power.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    Quote Originally Posted by ExtraSlow View Post
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    It's for more power.
    I’m just picturing the adjuster breaking out the tape measure under your wreck
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    Paint modifications? You can argue PPF or ceramic coating is a paint modification. Insurance companies are really trying hard here to get out of their obligations IMO.

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    Quote Originally Posted by heavyD View Post
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    Paint modifications? You can argue PPF or ceramic coating is a paint modification. Insurance companies are really trying hard here to get out of their obligations IMO.
    If it's in the insurance agreement and you signed (agreed you read all fine print) then it's on the owner of the policy at the end of the day.

    That said, I don't agree with those sort of things making a difference on cost of policy.

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    A guy that buys a car he needs two jobs to make payments on, then spends money to mod it, seems like the exact type of person that would not pay attention to any fine print, insurance policy or otherwise. Nothing to see here.

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    My neice has a boyfriend that has owned 5 brand new cars in the last 6 years. He works at A&W part time. Somehow I picture this dude as that dude.
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    Quote Originally Posted by ExtraSlow View Post
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    My neice has a boyfriend that has owned 5 brand new cars in the last 6 years. He works at A&W part time. Somehow I picture this dude as that dude.
    ‘Member octoexhaust guy with the modded C63 that paid for it delivering pizzas?
    Originally posted by Thales of Miletus

    If you think I have been trying to present myself as intellectually superior, then you truly are a dimwit.
    Originally posted by Toma
    fact.
    Quote Originally Posted by Yolobimmer View Post
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    guessing who I might be, psychologizing me with your non existent degree.

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    I thought that was Raj2?
    Quote Originally Posted by killramos View Post
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    You realize you are talking to the guy who made his own furniture out of salad bowls right?

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    I used to have an asshole friend who would phone the bank to tell them he was cutting his lawn and record the conversations.
    "Yeah, well, RBC wrote the mortgage and when I signed it, I acknowledged that any improvements on any aspect of the property need to be accounted for and reported immediately to the Lender, so I'm just doing my due diligence and notifying you. Is it ok if I go ahead and keep cutting the grass? I feel bad because I forgot to phone and I already made one lap, so I hope you guys aren't going to call my loan. I didn't write that clause in there and when I suggested it be removed, RBC objected, so obviously it's of extreme importance and I want to assure you that I take my obligations seriously..."

    Fuck these insurance companies.

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    I blame the Actuaries.

  17. #17
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    Is a new windshield a modification?
    It's not OEM.

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    Something doesn't pass the sniff test here. I'd be willing to bet a round of scotch there's a lot more to the story. The fact that it's Desjardin definitely lends credibility to the asshole factor but I'm not convinced they're even that low...
    "Masked Bandit is a gateway drug for frugal spending." - Unknown303

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    Who wastes $2000.00 on an exhaust system for a 205 hp BRZ?

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    Quote Originally Posted by Masked Bandit View Post
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    I'd be willing to bet a round of scotch there's a lot more to the story.
    He probably has a history of cars wrapped around poles.
    Or he was trying to milk them for the exhaust system cost, and they finally told him to fuck off.

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