This topic has come up a few times, and I wasn't really satisfied by the response I got when I asked a representative previously. They basically told me "It's covered, save your receipts" but without much in the way of details.
So a friend of mine is currently training to be an insurance rep for this company - they have a large call center here. I asked her to dig into this for me a little - and here it is straight from their manual.
I haven't named the company because I'm not sure I want this searchable by their name - but they have a reputation for doing well by people associated with the armed forces
So a friend of mine is currently training to be an insurance rep for this company - they have a large call center here. I asked her to dig into this for me a little - and here it is straight from their manual.
I haven't named the company because I'm not sure I want this searchable by their name - but they have a reputation for doing well by people associated with the armed forces
Coverage for non-Original Equipment Manufacturer (OEM) equipment and parts installed on any vehicle type will be limited to a maximum of $5,000.
This $5,000 will be in addition to the actual cash value (ACV) of the vehicle. No deduction will be taken for depreciation if a loss occurs to custom equipment.
Coverage for custom equipment will be automatic. There is no need for the member to notify **** of the type or cost of the equipment until there is a covered loss, at which time the usual proof of loss will be required.
Custom Equipment
Custom equipment includes equipment, furnishings and parts that are permanently installed on any vehicle type AND are:
Some examples of custom equipment are:
- Not OEM.
- Not a replacement of OEM parts with like kind and quality.
- Not designed to assist disabled persons.
- Not an anti-theft device.
- Not a device intended to monitor or record driving activity (black box or telemetric device).
- Special carpeting or insulation
- Furniture or bars
- Height-extending roofs
- Body, engine, exhaust or suspension enhancers
- Winches, non-original specialty bumpers and custom grills
- Anti-roll or anti-sway bars
- Louvers, side pipes, hood scoops or spoilers
- Rims or wheels (does not include a mounted tire)
- Tires in a size substantially different from those installed by the manufacturer
- Custom chrome, murals, paintwork, decals or other graphics
- Caps, covers, or bed liners
- Sound, picture, or video receivers or transmitters
- Global positioning systems (GPS)
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