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TRD/URD Supercharger on a 5VZ-FE & Your Insurance Co

Discussion in '3rd Gen 4Runners (1996-2002)' started by Husky Driver, Dec 13, 2016.

  1. Dec 13, 2016 at 12:01 AM
    #1
    Husky Driver

    #1
    Husky Driver [OP] Kyna's chauffeur

    Joined:
    May 21, 2014
    Member:
    #140
    Messages:
    79
    Gender:
    Male
    First Name:
    Kipp
    40°35'09.0"N 105°04'38.3"W
    Vehicle:
    2k T4R3 SR5 Highlander Sport TRD
    Toytec Ultimate 3" lift susp w/ OME 891 rear coils, Bilstein 5100 shocks front & 5125 rear, ARB 'Roo Bar, Warn VR10k, 0.7, 2 & 11-meter 2 way radios FCC Lic KE0TDD, Nitrogen inflated 33" BFGoodrich All-Terrain T/A KO2s, FlexFuel E-85 conversion, AFe lifetime filter, Savage Offroad rock sliders, Ryno All Terrain 4.5mm skid plates, Line-X coatings on the armor, LifetimeLED & Rigid Industries LED headlights, UltraGauge 1.2, T3q 4.10 eLocker with armor from LROR, AmsOil lubricants used throughout. CBI plate rear bumper with swingaway, SPC Light Racing UCAs, ARB SS170HF Safari snorkel w/ Afrikaans centrifugal pre-cleaner, Tacoma antenna mod, TRD Supercharger w/ URD 7th inj. & URD pulleys, Anti-Dark engine bay lighting system. Having gone 250k, Aug 2016 was the time to replace the original clutch & get the driver's seat rebuilt/stuffed. Front & back Weathertech liners. '05 Tundra front disc brake swap. Full length Rocky Mountain Rack with 40" lightbar, Alternating strobe rear dust lights. I used a warm weekend in March 2022 to finally install my brand new from old stock 2000 4Runner driver's seat. $800 directly from the factory in Sapporo, Hokkaido, Japan.
    My current insurance company has decided to drop me due to an "unapproved engine modification", i.e. my 4th gen 5VZ-FE S/C. Has anyone else had this bullsh!t happen to them?

    I've been with them since 2003, on my 3rd vehicle with them, always on time with my monthly payments & this year switched to pre-paying 6 mo. at a time in full, never a claim other than a (1) windshield, full coverage w/ $200 deductible, no tickets, nothing. (wtf?)

    They've given me the option to "remove the modification" & keep my policy. (again, wtf?)

    I guess I'm looking for suggestions from those who have done a s/c install & their ins. co. didn't drop them.

    Names of companies other than Geico would be helpful.

    Thank you,
     
    Last edited: Dec 13, 2016
    Husky Driver, Dec 13, 2016
    #1
  2. Dec 13, 2016 at 7:56 AM
    #2
    4runner52

    #2
    4runner52 New Member

    Joined:
    Dec 7, 2016
    Member:
    #3151
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    50
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    Male
    First Name:
    Trevor
    West Slope, CO
    Vehicle:
    1999 4runner
    Toytec Ultimate Lift Spidertrax 285 Duratracs Custom Armor 22" lightbar Cobra 19 CB Other Shenanigans
    Interesting, I can't offer any help but interested in the outcome. :popcorn:
     
    4runner52, Dec 13, 2016
    #2
  3. Dec 13, 2016 at 7:59 AM
    #3
    Sharkpilot

    #3
    Sharkpilot New Member

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    None
    I'd uninstall it, ask them to come over and verify it, then re-install it after. F em.
     
    Sharkpilot, Dec 13, 2016
    #3
    ramonortiz55 and 4runner52 like this.
  4. Dec 13, 2016 at 8:39 AM
    #4
    Relentless

    #4
    Relentless Offroad armor Fabricating beast! Vendor

    Joined:
    Apr 18, 2014
    Member:
    #74
    Messages:
    221
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    First Name:
    Eric
    Sparks NV
    Vehicle:
    05 Limited 4.7 V8, long travel, dual locked
    Lifted on 35s and Relentless Armored, too much to list!
    That seems a bit ridiculous to me. Mind sharing which Ins Co. so we can stay clear?
    We've been with Progressive since 2010 and they've been good to us. No superchargers on our vehicles, but they are all modded/lifted and I have a minimum of $5k aftermarket parts coverage on all 4 of our vehicles on the policy. Hell I think I have $12k aftermarket parts coverage or something around there on our '05 4runner.
     
    Relentless, Dec 13, 2016
    #4
  5. Dec 13, 2016 at 7:19 PM
    #5
    Ol'Blue

    #5
    Ol'Blue New Member

    Joined:
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    1,374
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    "Not all who wander are lost"
    Vehicle:
    99 T4R LTD- 33's and locked, 01 SR5-,SAS Sold...
    A few things here and there. Still dreaming up stuff
    Make them prove it was not factory. Good luck on that. If it continues go to Farmers or Progressive, they are pretty good for the most part. I have USAA so I don't worry about shit like that. We have a total of 4 claims this year between the house cars etc. Never an issue at all. Paid it right away and work is done right.

    Blue
     
    Ol'Blue, Dec 13, 2016
    #5
  6. Dec 13, 2016 at 7:48 PM
    #6
    4runneragain

    #6
    4runneragain New Member

    Joined:
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    Mike
    Vehicle:
    2015 4Runner SR5
    I'm curious how do they know you added the supercharger?
     
    4runneragain, Dec 13, 2016
    #6
    ramonortiz55, Ol'Blue and Relentless like this.
  7. Dec 15, 2016 at 10:14 AM
    #7
    ramonortiz55

    #7
    ramonortiz55 New Member

    Joined:
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    First Name:
    Ramon
    Vehicle:
    2001 4runner limited silver millenium
    Do you still have the paperwork on the car?
     
    ramonortiz55, Dec 15, 2016
    #7
  8. Dec 15, 2016 at 11:40 AM
    #8
    Husky Driver

    #8
    Husky Driver [OP] Kyna's chauffeur

    Joined:
    May 21, 2014
    Member:
    #140
    Messages:
    79
    Gender:
    Male
    First Name:
    Kipp
    40°35'09.0"N 105°04'38.3"W
    Vehicle:
    2k T4R3 SR5 Highlander Sport TRD
    Toytec Ultimate 3" lift susp w/ OME 891 rear coils, Bilstein 5100 shocks front & 5125 rear, ARB 'Roo Bar, Warn VR10k, 0.7, 2 & 11-meter 2 way radios FCC Lic KE0TDD, Nitrogen inflated 33" BFGoodrich All-Terrain T/A KO2s, FlexFuel E-85 conversion, AFe lifetime filter, Savage Offroad rock sliders, Ryno All Terrain 4.5mm skid plates, Line-X coatings on the armor, LifetimeLED & Rigid Industries LED headlights, UltraGauge 1.2, T3q 4.10 eLocker with armor from LROR, AmsOil lubricants used throughout. CBI plate rear bumper with swingaway, SPC Light Racing UCAs, ARB SS170HF Safari snorkel w/ Afrikaans centrifugal pre-cleaner, Tacoma antenna mod, TRD Supercharger w/ URD 7th inj. & URD pulleys, Anti-Dark engine bay lighting system. Having gone 250k, Aug 2016 was the time to replace the original clutch & get the driver's seat rebuilt/stuffed. Front & back Weathertech liners. '05 Tundra front disc brake swap. Full length Rocky Mountain Rack with 40" lightbar, Alternating strobe rear dust lights. I used a warm weekend in March 2022 to finally install my brand new from old stock 2000 4Runner driver's seat. $800 directly from the factory in Sapporo, Hokkaido, Japan.
    I'm one of those people that has a complete history on it since purchase. What paperwork are you asking about?
     
    Husky Driver, Dec 15, 2016
    #8
  9. Dec 19, 2016 at 9:00 PM
    #9
    T-Rex266

    #9
    T-Rex266 Moderator Staff Member

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    Mine actually covers things like superchargers and anything else added to it. They just want receipts.
     
    T-Rex266, Dec 19, 2016
    #9
    Husky Driver[OP] likes this.
  10. Dec 20, 2016 at 2:25 AM
    #10
    Husky Driver

    #10
    Husky Driver [OP] Kyna's chauffeur

    Joined:
    May 21, 2014
    Member:
    #140
    Messages:
    79
    Gender:
    Male
    First Name:
    Kipp
    40°35'09.0"N 105°04'38.3"W
    Vehicle:
    2k T4R3 SR5 Highlander Sport TRD
    Toytec Ultimate 3" lift susp w/ OME 891 rear coils, Bilstein 5100 shocks front & 5125 rear, ARB 'Roo Bar, Warn VR10k, 0.7, 2 & 11-meter 2 way radios FCC Lic KE0TDD, Nitrogen inflated 33" BFGoodrich All-Terrain T/A KO2s, FlexFuel E-85 conversion, AFe lifetime filter, Savage Offroad rock sliders, Ryno All Terrain 4.5mm skid plates, Line-X coatings on the armor, LifetimeLED & Rigid Industries LED headlights, UltraGauge 1.2, T3q 4.10 eLocker with armor from LROR, AmsOil lubricants used throughout. CBI plate rear bumper with swingaway, SPC Light Racing UCAs, ARB SS170HF Safari snorkel w/ Afrikaans centrifugal pre-cleaner, Tacoma antenna mod, TRD Supercharger w/ URD 7th inj. & URD pulleys, Anti-Dark engine bay lighting system. Having gone 250k, Aug 2016 was the time to replace the original clutch & get the driver's seat rebuilt/stuffed. Front & back Weathertech liners. '05 Tundra front disc brake swap. Full length Rocky Mountain Rack with 40" lightbar, Alternating strobe rear dust lights. I used a warm weekend in March 2022 to finally install my brand new from old stock 2000 4Runner driver's seat. $800 directly from the factory in Sapporo, Hokkaido, Japan.
    Who did you go with?
     
    Husky Driver, Dec 20, 2016
    #10
  11. Dec 20, 2016 at 8:09 AM
    #11
    ramonortiz55

    #11
    ramonortiz55 New Member

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    First Name:
    Ramon
    Vehicle:
    2001 4runner limited silver millenium
    +1 My insurance company does the same.
     
    ramonortiz55, Dec 20, 2016
    #11
  12. Dec 21, 2016 at 6:53 AM
    #12
    T-Rex266

    #12
    T-Rex266 Moderator Staff Member

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    We have MetLife. I've also had 2 windshields replaced with them (i70 seems to love my wife's Highlander and my truck) under the glass coverage. Zero issues.
     
    T-Rex266, Dec 21, 2016
    #12
  13. Dec 21, 2016 at 7:05 AM
    #13
    ramonortiz55

    #13
    ramonortiz55 New Member

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    2001 4runner limited silver millenium
    I didn't know MetLife was a car insurance company? o_O
     
    ramonortiz55, Dec 21, 2016
    #13
  14. Dec 21, 2016 at 7:05 AM
    #14
    ramonortiz55

    #14
    ramonortiz55 New Member

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    Farm Bureau here
     
    ramonortiz55, Dec 21, 2016
    #14
  15. Dec 21, 2016 at 9:50 PM
    #15
    T-Rex266

    #15
    T-Rex266 Moderator Staff Member

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    Yep. They are our homeowners insurance too
     
    T-Rex266, Dec 21, 2016
    #15
    ramonortiz55[QUOTED] likes this.
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