A couple guys say they don't tell their insurance they put a supercharger on their car. Will your insurance reject your claim if you get in a wreck and you added a SC without notifying them?
That's a question for your insurance company. I used State Farm for years and they never questioned the legitimacy of my aftermarket parts if I produced a receipt. Performance parts or otherwise, it never mattered.
Now I'm with Allstate and they require a rider after a certain dollar amount to account for those added parts and it bumps the premium. I don't know what the threshold was, but I went over it pretty much with just the procharger's cost.
I have everything with Allstate - home, boat, multiple cars, motorcycles, and this rider thing wasn't something I expected. I still get a killer deal overall and I've known my agent so long I simply don't want to cut to someone else over something so minor..
I'd be up front and ask the agent direct, you don't want to find out after the fact that they specifically don't cover...
You need to check with your insurance company or agent. Every company has different Underwriting guidlines and will either just accept the receipt or most likely will increase the premium based on the additional equipment added to the veh. Sometimes if the additional equipment (rims, parts, stereo combined) are above a certain percentage of the cars value the Underwriters will decline insuring the vehicle - I've seen this alot on New Business policies, not sure about existing ones, they may just decline insuring physical damage coverage (comp & coll) on the veh due to increased risk.
You sure don't want to just pop up a receipt at the time of loss stating you had this part on there for so many months/years and hope to be reimbursed for it. It's always better to be 100% sure, and have it recorded in your declarations page as additional/special equipment.
my insurance company (geico) raised my rates 80 bucks every six months because of my turbo and other upgrades. . not that much considering. . well worth it
My former insurance company (State Farm) refused to pay out on an accident claim because they said I had modded the vehicle beyond the performance capabilities it was originally designed for. This was my Integra GS-R. It had aftermarket wheels and exhaust when I bought it (they took photos when I started the policy that clearly showed the mods.) The only mods I added were a CAI and a short throw shifter.
Yes, that's right. They denied me coverage after the fact because of maybe 25hp in upgrades.
I fought back and eventually won but it was a stressful nightmare. Needless to say, I would highly recommend keeping your insurance provider in the loop.