Kenyan insurance companies about to stop insuring cars that have been altered/modified

[Okiya]

They want the car to remain as it was manufactured. Some of the modifications they are not happy about:-

1) Changing from petrol/diesel to LPG (gas)
2) Spacers
3) Alloy wheels
4) Engine modifications
5) Facelifts
6) Expensive radio system

 

[Kdawg254]

How do the last 2 affect safety of vehicles?

 

[It's Me Scumbag]

How do the last 2 affect safety of vehicles?

Was about to ask how a radio affects safety too

 

[Okiya]

Was about to ask how a radio affects safety too

They say expensive radio attracts thieves.

 

[Jug]

They say expensive radio attracts thieves.

hawa waseme wanadai kuruka kuinsure kipetero

 

[The.Black.Templar]

cc @Aviator @The.Black.Templar @mzeiya etall

Panic as insurers cancel covers for modified cars

Common alterations that may put vehicle owners in trouble include engine tuning, fitting alloy wheels, height spacers and other modifications meant to reduce the risk of theft.

bit.ly

the insurance sector in Kenya, and Africa as a region is shit, they just copy paste from their insurance stakeholders and never really do any data driven research.

Look at that article for example, UAP decided to issue a cancellation policy based on one car, Just one car only....did not bother to collect any further data on the numbers of such modifications on our roads, they did not even try and certify the safety precautions or even provide any evidence of a breach in safety protocols even when NTSA said they are safe to drive.

BTW what most people do not know is that insurance is a fluid policy meaning that in the right context, anything can be paid or adjusted to include the new risk, for the gas modified cars, they can easily exclude insurance payments around the modified gas tank or based on research modify the insurance premiums to include the new risk, but bonobo is bonobo, they would rather not think outside of the box or do more work. Their impulse is to first deny paying a claim and squeeze the insured party for the worst benefit of all.

 

[Kdawg254]

They say expensive radio attracts thieves.

Don’t they note the make of radio when you go for assessment therefore price the premiums accordingly?

 

[It's Me Scumbag]

They say expensive radio attracts thieves.

And when the expensive radio is standard issue in a car? Some cars got very expensive sound systems installed as standard issue. Will they not insure the car?

 

[Okiya]

And when the expensive radio is standard issue in a car? Some cars got very expensive sound systems installed as standard issue. Will they not insure the car?

Hizi maswali mnauliza ni ngumu. Mimi my role was just to deliver the message

 

[Introvert]

They want the car to remain as it was manufactured. Some of the modifications they are not happy about:-

1) Changing from petrol/diesel to LPG (gas)
2) Spacers
3) Alloy wheels
4) Engine modifications
5) Facelifts
6) Expensive radio system

Wololo.

 

[mr ShairMan]

Thought ni UAP peke yake

 

[Okiya]

Thought ni UAP peke yake

They all think the same. For now it's UAP but with time the rest will follow

 

[Kender9]

Was about to ask how a radio affects safety too

Radio ziko na scam sana, watu hung'oa ama time umepata accident unaipiga mawe ndio ulipwe mpya(personally I have done that x2)

 

[Mishale]

Radio ziko na scam sana, watu hung'oa ama time umepata accident unaipiga mawe ndio ulipwe mpya(personally I have done that x2)

whose your insurer

 

[Kasaman]

They want the car to remain as it was manufactured. Some of the modifications they are not happy about:-

1) Changing from petrol/diesel to LPG (gas)
2) Spacers
3) Alloy wheels
4) Engine modifications
5) Facelifts
6) Expensive radio system

No.2 ?