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-   -   TD meloche monnex pre insurance car inspection?? (http://www.maxbimmer.com/forums/showthread.php?t=148008)

noodles101 01-03-2012 05:01 PM

TD meloche monnex pre insurance car inspection??
 
i used to be insured with desjardin and i was paying 200 for one way...:mad:

and they canceled the policy on me because i didnt change my BC license on time..

and i called up TD meloche monnex and got full coverage for 168 dollars.
( insurance policy in effect starting today )

but they told me i have to do a pre insurance car inspection within the 30 days.

anyone with td meloche monnex and do their inspection?

is this just like safety test? because i think i need new tie rods and new windshield , i'll definitely get new windshield before the inspection but are they going to be all up on my ass for having m3 bumper / projector headlights / side skirts / contour rims / slightly lowered ...? :(:(

Red_Rocket 01-03-2012 05:11 PM

When i got my E30 insured with them they said the same thing. I had to go to one of those rust check places. They took pics of my car and gave me a file number and that was it. Months later they called me and asked me why i didnt have that done. So i told them i did and just asked me for the file number, so i guess its not the biggest deal. Dunno Hope that helps.

MiroE36 01-03-2012 05:18 PM

They require inspections on older cars to look for any defects and prior damage so they can adjust their policy accordingly.

They will check for any "upgrades" from factory specifications but you'll be fine for the headlights, side skirts and rims. But they will likely not be happy with the lowered car... if they do however ask if you lowered it, say no, just say that that is how the car came when you bought it way back when. You can also run the b/s about it costing way too much to buy oem suspension and that you can't afford to make any changes to the car blah blah and the agent will usually let it go without issue. But if your car is slightly lowered I wouldn't worry. I've had 2 inspections with them on 2 slightly lowered cars and it was never an issue. The only items I was ever questioned about was the stereo (which they say they will not cover unless I pay extra as it was an aftermarket deck, and since I had a short-ram intake, but they let that go because I told them that that's how I got the car and that I cannot afford to pay $600 for a factory airbox from the dealership and they let it go... best part is, because it's disclosed to your insurance, in case of an accident they will not deny you any claims due to aftermarket parts. So the inspection will actually work in your favour, not against you... hopefully you don't get some a$$hole agent though as I'm sure there are some that will try to make life miserable.

Cheers...

Never did one on the 335i though, probably because it was too new for them to bother.

noodles101 01-03-2012 05:35 PM

^^ thank you very much guys .

my engine bay is 100 percent stock :) + stock exhaust.. and everything.

i should get my cracked windshield fixed before this right? lol

dbworld4k 01-03-2012 06:45 PM

I think they asked for the same thing for my car, but nothing ever came of it...

Michel 01-03-2012 06:49 PM

I had to get this done on my cars as well. My corolla is a 2010 and I still had to do it, so I don't think age matters. On my bmw, they basically asked me if I wanted to have my rims insured, so I said no; they marked them down as an upgrade/modification but I'm not paying any premium on them. All they did was take pics of the vin numbers and odometer to make sure everything matches in case of insurance fraud...

Sirjetblack 01-03-2012 06:53 PM

No car inspection from monnex for my car.

noodles101 01-03-2012 07:06 PM

oh okay so i dont have to worry so much..lol

its just like how insurance agent used to come to your house to take pictures but TD just makes you go to a place to make it easier for them.

thanks guys for the info :)

sproule905 01-04-2012 07:55 AM

Never had td come and check out any of my cars, but then again I always used oem parts, except for the suspensions.

I wouldn't be too worried about this. Just don't lie and say our car is not turbo'd when they ask for modifications.

Bullet Ride 01-04-2012 09:28 AM

All they do is take a front 3/4 picture and a rear 3/4 picture from the opposite side so they have a view of all 4 sides of the car on file. Then they take a picture of the VIN in two spots (windshield and door) and a picture of the odometer. If there is any obvious damage to the car they will take a picture of it, and if there are any obvious exterior or interior modifications they will take a picture of them. They aren't going to comb over your car in fine detail, the place I went to didn't pop the hood or anything, the guy didn't even mention the rims I had or the fact that the car was clearly not stock ride height.

The whole idea behind the inspection is to prevent insurance fraud where people get a car insured and then make a claim for damages that existed before the insurance policy existed. Some people also have a tendency to insure cars that don't exist or that they never owned and then report them stolen and get a settlement. This just gives them a record of the general state of your car around the time the policy was enacted.

T.Dot_E30 01-04-2012 11:59 AM

They only asked me for 3 pictures of the car when I put full coverage on the M3.

Bullet Ride 01-04-2012 12:24 PM

Quote:

Originally Posted by T.Dot_E30 (Post 1542210)
They only asked me for 3 pictures of the car when I put full coverage on the M3.

3 pics is the bare minimum as you can get the whole car in two shots and one other shot of the VIN#
Some places take more.

T.Dot_E30 01-04-2012 01:13 PM

Quote:

Originally Posted by Bullet Ride (Post 1542215)
3 pics is the bare minimum as you can get the whole car in two shots and one other shot of the VIN#
Some places take more.

Hmm, they didn't ask me for any of the VIN, just front, rear and interior. I guess it depends.

Bullet Ride 01-04-2012 01:28 PM

Quote:

Originally Posted by T.Dot_E30 (Post 1542227)
Hmm, they didn't ask me for any of the VIN, just front, rear and interior. I guess it depends.

lol, sort of defeats the purpose. you could have took pictures of someone else's silver E36 M3. I'm actually surprised that they let you take the pictures and send them in and didn't make you go to an authorized shop that takes the inspection pics.

noodles101 01-04-2012 01:39 PM

How long ago was that tdote30 ??


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