Automotive

Aviva cancelled my insurance due to aftermarket suspensions

  • Last Updated:
  • Dec 22nd, 2018 10:28 am
[OP]
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Nov 1, 2017
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Aviva cancelled my insurance due to aftermarket suspensions

Is this going to hurt me? When applying for insurance I've noticed companies ask you if your insurance has ever been cancelled.. does this fit into that scenario?

They are still keeping our house insurance and the insurance in our other car, but they are dropping the modified car in January...
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Deal Expert
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Jul 30, 2007
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you mean they cancelled during an active coverage period or they are notifying your renewal will not be extended ?

what's the story behind this ? You modified the suspension and resulted in an accident that a claim has been filed ?
Deal Addict
Aug 10, 2013
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they will keep you on the house insurance until you modify your house!

This is not good for you OP..... You got caught with a modified car and it wasn't disclosed to insurance and hence they dropped you. Essentially you misrepresented yourself to your insurance company.
Smash that like button!
Deal Addict
May 4, 2014
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Toronto, ON
How did they find out in the first place?

What aftermarket suspension you have? Bags? Coilovers? Lowering springs?

Image
Deal Guru
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Feb 11, 2007
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Un-modify your car. Problem solved.
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Jan 15, 2006
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Must be slammed for insurance to drop you. I've had lowered cars in the past where they did an inspection and no issues.
[OP]
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Nov 1, 2017
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booblehead wrote:
Dec 20th, 2018 3:33 pm
you mean they cancelled during an active coverage period or they are notifying your renewal will not be extended ?

what's the story behind this ? You modified the suspension and resulted in an accident that a claim has been filed ?
er34er34 wrote:
Dec 20th, 2018 4:00 pm
How did they find out in the first place?

What aftermarket suspension you have? Bags? Coilovers? Lowering springs?

Image
The car was lowered.


No claim.

We notified insurance a few months ago when the custom suspension was installed, and they had no problems insuring the car (though they did increase our premiums)

We called them today due to an overbilling issue, and during that phone call they told us was a mistake in the system and the car should have never insured with custom suspension.

They are refunding the amount that they overbilled, but insurance for that car will be dropped in January.

Our policy was supposed to last until March.
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EP32k2 wrote:
Dec 20th, 2018 4:16 pm
Must be slammed for insurance to drop you. I've had lowered cars in the past where they did an inspection and no issues.
50mm spacers with 30 degree negative camber.
175 width tires on 10" rims
Deal Expert
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Jul 30, 2007
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if it's just no renewal, then you should not be as concerned when shopping for new coverage. You can take your house coverage elsewhere too.
Deal Addict
May 4, 2014
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I doubt this is considered "cancelled" insurance, they just refuse to cover you because of modifications. Just like RHD cars, nobody wants to touch those.

Just shop around and find another insurer.
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Aug 22, 2011
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EP32k2 wrote:
Dec 20th, 2018 4:16 pm
Must be slammed for insurance to drop you. I've had lowered cars in the past where they did an inspection and no issues.
+1, when I switched from Co-operators to Coseco, I had to bring in the summer vehicles (both lowered) for a pictures and a quick once over at a designated shop and had no issues getting them insured.
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vkizzle wrote:
Dec 20th, 2018 4:31 pm
+1, when I switched from Co-operators to Coseco, I had to bring in the summer vehicles (both lowered) for a pictures and a quick once over at a designated shop and had no issues getting them insured.
Is this normal? I've never been asked for an inspection, but I've been with TD Meloche forever.
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engineered wrote:
Dec 20th, 2018 4:41 pm
Is this normal? I've never been asked for an inspection, but I've been with TD Meloche forever.
In my case, it was two reasons because I mentioned that my vehicles were modified and they are 17 and 18 years old.
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PerformingAzura wrote:
Dec 20th, 2018 3:29 pm
..

They are still keeping our house insurance and the insurance in our other car, but they are dropping the modified car in January...
I would tell them you are taking everything to a new company if they don’t cover the so called “modified” car
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l69norm wrote:
Dec 20th, 2018 4:54 pm
I would tell them you are taking everything to a new company if they don’t cover the so called “modified” car
At least ask them for an inspection, unless your car is slammed with stretched tires.

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