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FG/CF Hood Question!
Posted: Sat Mar 13, 2010 6:44 pm
by tadz0rz
Yoooo!
I just called up my insurer regarding upgrading the stock hood to a fibreglass/carbon fibre hood and they said they would cover it as long as though it was passed by vic roads etc.
Now i know vic roads wont pass it, but i was wondering at what point would vic roads step into examine cars etc in an accident? I mean, as far as vic roads knows, my car is legal...When would they actually look at the car when its in an accident?
What would happen if no one was injured due to the aftermarket hood?
I know, so dont bother saying it...I know FB/CF hoods are illegal, but i just want to know the likely hood of vicroads picking it up and passing it onto the insurer and say dont cover him he had an non ADR hood etc etc
Thanks boyos!
Posted: Sat Mar 13, 2010 6:48 pm
by bd-850
as far as i know, if the car is in an accident, they have to take photos and send it to the insurer, they will probably see that the bonet has not crumbled and more of shattered. therefor voiding your claim.
I maybe wrong but thats my understanding as my brother worked for a NRMA Smash Repairs
Posted: Sat Mar 13, 2010 7:12 pm
by aspir3
If you have an accident and some one looses their life from it, insurance companies are the least of your problems.
An investigation will likely result in charges.
Modifying a vehicle in to a deadly weapon is a no no in MHO.
I personally can not understand why you want it as the cost and little gains in weight minus the change in the safety of the car in an accident.
Posted: Sat Mar 13, 2010 7:59 pm
by tjoz
You can get a RWC on a non stock hood providing it meets certain points. Its not something that is impossible either.
As for insurers, you can put anything on the car if you change the type of insurance you have. Just Car, I think RACV and Shannons have specialized insurance policies for cars that are just for show and track use. Some mods may get covered under these policies instead of a general public one. Need to be careful with those ones though as they may come under a certain KM usage, go over it and your car is insured up until that point.
Your car insurer may not insure it but you can get the part covered by insurance by other means.
Posted: Sat Mar 13, 2010 8:04 pm
by Mr Charisma
Read your PDS dude.
Insurance company won't have a bar of illegal mods. Falls under the reduce or refuse section of a claim. It is in the PDS so the Ombudsman won't be able to help you if you appeal.
I agree, not worth it.
As above Just Car and Shannons do insure cars to be used "for track use" but will still not insure illegal mods. Remember they fall under the Suncorp group and I doubt they are going to let them insure illegal mods.
As for the limited km policies, they are for car that are not driven much and are usually only for classic models. Real do the same thing for over 25's who own normal vehicles. Those policies often go back to Third Party once the km have been exceeded or you can purchase additional km. This policy would not suit him by the sounds of it.
Posted: Sat Mar 13, 2010 8:55 pm
by Blakey
im with AAMI they have said to me that i can do anything i want to my car as long as its not illegal. and they will cover me for it.
Posted: Sat Mar 13, 2010 9:05 pm
by aspir3
Blakey wrote:im with AAMI they have said to me that i can do anything i want to my car as long as its not illegal. and they will cover me for it.
That is the point Blake, it is illegal!
Posted: Sat Mar 13, 2010 9:16 pm
by Blakey
well a CF bonnet is only illegal. if its not created properly. a CF bonnet that warped around a flexible core,and is engineered to prove structural integrity around the hinges and latch. then you can get a legal one.
CF and FG only shatter because they have noting to flex with. like FRP. doesn't shatter, its flexes cause of the plastic core.
Posted: Sat Mar 13, 2010 9:24 pm
by aspir3
Blakey wrote:well a CF bonnet is only illegal. if its not created properly. a CF bonnet that warped around a flexible core,and is engineered to prove structural integrity around the hinges and latch. then you can get a legal one.
CF and FG only shatter because they have noting to flex with. like FRP. doesn't shatter, its flexes cause of the plastic core.
The bonnet should fold in a front impact.
There is a crumple zone in the front of the car to help slow the car down.
Fitting a CF &/or FG bonnet will not fold like a normal bonnet.
Posted: Sat Mar 13, 2010 9:38 pm
by Blakey
aspir3 wrote:Blakey wrote:well a CF bonnet is only illegal. if its not created properly. a CF bonnet that warped around a flexible core,and is engineered to prove structural integrity around the hinges and latch. then you can get a legal one.
CF and FG only shatter because they have noting to flex with. like FRP. doesn't shatter, its flexes cause of the plastic core.
The bonnet should fold in a front impact.
There is a crumple zone in the front of the car to help slow the car down.
Fitting a CF &/or FG bonnet will not fold like a normal bonnet.
the bonnet has noting to do with your crumple zone. that's built into the engine bay.
Posted: Sat Mar 13, 2010 9:40 pm
by Blakey
here is your crumple zone, there is no bonnet. it does nothing for your crumple zone
taken from WIKI
Posted: Sat Mar 13, 2010 9:43 pm
by aspir3
Blakey wrote:here is your crumple zone, there is no bonnet. it does nothing for your crumple zone
taken from WIKI
Blakey some times I have to give up with you.
You must be right again.
My 15 years in the automotive industry taught me nothing.
Posted: Sat Mar 13, 2010 9:46 pm
by Blakey
well you cant say I'm wrong, picture to prove it.
early stages of crash testing. is done with only the chassis. and no body panels.
yes they do have to crumple but they do not have anything to do with the crumple zones of your car.
they only have to no stay in an entire completely ridged piece or break off at the hinges and decapitate the driver or person they crash into.
Posted: Sat Mar 13, 2010 10:05 pm
by 08VET
Huh?? I thought CF was illegal regardless of the crumple zone no matter what because when it is broken the carbon fibre splits and is dangerous or something.. I don't have any idea anyway hahaha just what I read.
Posted: Sat Mar 13, 2010 10:08 pm
by tadz0rz
**Searches for a good facepalm picture**