Induction Kits Vs Insurance

[Kyias]

I'm looking at getting an induction kit for my 182 but would like to know what the deal is for insurance. Do you have to declare this to insurance as a performance mod even if its the KTec panel filter?

Cheers

 

[AhmedRSi]

yes

 

[smitchell1]

A panel filter should be ok because its in the original airbox, but a full induction kit i guess you should really tell the robbing bast#rds doing the insurance!!!!

 

[Craig]

if its a panel filter i wouldn't but as said a induction kit i would

 

[Kyias]

Would you all recommend a induction over the KTec panel?

 

[AhmedRSi]

BMC CDA, maxogen, pipercross viper

 

[Kyias]

Those are your recommendations Ahmed? I cant afford Maxogen

 

[Craig]

Bmc. they sound awesome

 

[AhmedRSi]

Well, I picked up a viper for £40 recently (second hand obviously) so anything is possible. After buying all the pipes and bends etc ended up with a full viper for circa £60

 

[Gibbo41]

I've got a viper on mine, sounds good, best to declare it, insurance companies will find anyway of not paying out.

 

[rich-6]

Mine charge a big fat 0 for mods as long as theyre not OTT ones like turbos and TB

 

[rich-6]

Mine charge a big fat 0 for mods as long as theyre not OTT ones like turbos and TB

 

[B7JLS]

Rich-6 who are you with?!

 

[ilovewilly]

I declared mine before I fitted it as Ive had a 172 Viper filter for years lying around.
Think its lost me torque though so may lose the noise and take it off.

 

[benmore]

get a simota aeroform - sound is worth it alone.

I also see no reason for it to perform badly given the adequate air feed and it already comes with a decent enough shield in my opinion.

as I say tho, you won't find anything that sounds like this so ensure you are prepared to put up with a deep induction roar every time you go past 1/4 throttle lol

WAARRRRP

 

[Tigger]

I would declare ALL mods mate

 

[AndyT23]

I would declare all mods. When declaring a panel filter I would probably state specifically to them that you have fitted a non-standard filter but that it makes no increase to the performance. Any minor mod like that which will only make small performance increases I would do the same for. The insurance companies will not spend the time and effort trying to prove otherwise. EDIT: A change declared as not performance related has only resulted in an admin charge at worst in my experience (wheels are an exception to this rule!).

A full induction kit which makes definite changes to your engine bay is a different matter, I think you'd have to declare them and take the hit on your policy.

 

[Jonny1*2]

Gains are minimal anyway regardless of which kit you buy. It seems to be a general view that induction kits make no difference over itg panel filter in standard box with a better cold air feed. Save yourself a few bob and modify the standard box.

 

[Haybails1980]

I recently renewed my insurance and my previous insurers were trying to keep me as their customer - when I asked what the best deal on insurance was I was happy but when I mentioned that I was going to be adding an induction kit there was going to be a £160 increase to the total premium. This was with Direct Line.

I would definately make sure you declare the modification or buy it, wait for insurance to run out, join modification friendly insurance company, fit mod and declare it.

 

[Jonny1*2]

someone like greenlight or 'a plan' would be ok to declare mods. So if your looking at renewing they are a good bet.

 

[benmore]

£160 a year for a bit of noise?

anyone say rip off?

these insurance companies are diabolical.

 

[Kyias]

I recently renewed my insurance and my previous insurers were trying to keep me as their customer - when I asked what the best deal on insurance was I was happy but when I mentioned that I was going to be adding an induction kit there was going to be a £160 increase to the total premium. This was with Direct Line.

Thats a shame, im with direct line :-(

 

[Kyias]

I might go with the Ktec panel filter and see what they say, does thi filter increase any grunt and noise at all?

 

[Kyias]

Turns out Direct Line wont touch me because im under 25 on any modifications. I may phone regarding a panel filter thos and state its a non standard replacement.

 

[Tucker]

'induction kit'

there's your problem

its an air filter, for throttle response and not for power gains.

 

[aucky]

Mine didnt charge me because the woman was like ''that doesnt change the performance in anyway does it?'' me: ''nahhhh''
=]
Bell insurance btw

 

[big_dave_r]

when i worked in insurance i had 2 manualy put the power increase of a mod into the system as a percentage of the standard bhp. so with some its nt worth inputting them. it wold be unfair to put a pannel filter in the system as an induction kit. if you get a consultant that dunt have a clue about modifications try n blag it lol

 

[Andyman]

Some maths on insurance:

Q) - You crash your car say. What happens to the car after the accident but prior to putting a claim in??


A) = time


Induction kit, yes but foam filter..............

 

[rich-6]

Rich-6 who are you with?!

Highway i think, Giving them a ring tomorrow to let them know i'm in need of a new exhaust its not going to be a Renault jobby