Insurance issues

[Sunburn]

Just renewed my insurance and was dissapointed to find that your premium goes up if you have (like in my case) a engine replacement. (standard like for like)

how that can effect your insurance ill never knowafter all the there are no changes to the performance of the car.

 

[brisa4984]

ure sayin for example.. an engine rebuild? or swap from the same model car?

 

[Ad]

how do they know you have had replacement engine?

Bizarre that it should go up I agree. But like for like is not a modification.

 

[H182]

Unless it was different than the original, I wouldn't have thought u would need to tell them.

 

[Sunburn]

Engine conrod snapped so had to have a transplant engine which was exactly the same spec. standard 172cup engine.

Was listed under modifications for engine as I have inlets matched + remap.

 

[H182]

It will be the mods that have affected it probably. Think the engine transplant bit is for if you've got a different engine in (bigger etc)

 

[Sunburn]

the mods do effect it yes, but quotes without anything other than a standard replacment engine knocked my prem. up also

 

[Timmay]

well strange

 

[Ad]

Im still confused, you should just be telling them about the mods, the fact the engines been replaced is irrelevent, if you insurer is charging you for that then I suggest you shop around.

Who you insured with?

Are there any other factors affecting you renewal? such as points, NCB, postcode change?

 

[Sunburn]

so, question is, should i declare the engine change with the insurance company as its a like for like change?

 

[Ad]

so, question is, should i declare the engine change with the insurance company as its a like for like change?

simply no. You wouldnt tell them in you had a new anything else..... your fine as long as its OE(original equipment). You just need to tell them about the mods, although im not sure they would know tbh, but thats a risk.

 

[Sash]

I agree a like for like engine shouldnt affect ur premium.
My bro had an H reg micra for his 1st car, which the engine had blown on. anyway to cut a long story short, the original 1.2 engine was replaced with a 1.0 all was well until my mum went to insure it for my bro. gave the reg and the insurers said "its a 1.2 gsx, that will be £750 for the year" my mum not knowing about the engine change said "no its a 1.0" anyway after a dispute they came back and said "ok that will make the premium £1000, as its been modified!"

so even smaller engines mean bigger premiums!