Good question!
I checked, and in my particular case, Chubb Insurance issued by Grundy,
there's a specific rider which defines my policy as an "Antique Automobile"
for hobby purposes - exhibition, club activities, etc. Coverage will not
apply if the vehicle is used for racing, or participation in any speed,
competitive or timed events. Lucky for me, no mention of modifications is
stated.
You are correct.
According to Hagerty, certain modifications, like the addition of nitrous,
blown alcohol systems, lift kits, and drag racing components including
wheelie castors and parachutes may render a vehicle exempt from collector
car insurance coverage. High horsepower numbers and hydraulic systems, while
sometimes acceptable, can also keep a vehicle from being insurable.
Before thinking about modifying your car, everyone should contact their
insurance company as any changes you make such as wheels, tires, exhaust,
steering or suspension changes may affect your policy if they affect the
level of safety, strength or reliability of vital systems such as brakes and
steering.
As far as the Roll Hoops, it is a shame that your insurance company would
deem these as "inappropriate". I wonder if they would say the same for
adding a fire extinguisher ;)
Corey
--
No virus found in this outgoing message.
Checked by AVG Free Edition.
=== This list supported in part by The Vintage Triumph Register
=== http://www.vtr.org
|