New exhaust and insurance

[missvavavoom]

Hey peeps, Getting a new exhaust fitted tomorrow (rs192) and i know i have to declare it but how much should i tell them. It claims to boost your BHP by 10, haha yeah right..! But should i say that, whats legally viable, i was just going to say its a replacement system that is merely cheaper than Renaults standard.

Your thoughts please..

Cheers vix

oh yeah its Direct Line.

 

[one in a million]

i didnt have to tell my insurers anything, i just said i had an exhaust system put in place, i declared my decat this year tho, i said a gain of 2bhp and they charged me 73 quid:S. so dont say 10bhp, and just declare an exhaust on it

 

[koi]

Will be lucky to see 1-2 bhp from it. Just do as you as you say, only used because it's a cheaper replacement, that's what I done and there was no charge.

 

[Jekyll]

a rs192 you say? :rasp: just declare as exhuast, no need to mention figurers. it wont go up by much, if anything at all.

 

[plasticmorph]

yeh, you need to declare any mods. mine went up £40 per year for the exhaust

 

[one in a million]

yeah well when i declared the decat they then asked what was the power increase, so i had to give a figure on the spot, not knowing what i would get in reality, but hey ho

 

[JackD]

Iirc direct line don't cover any modfications

 

[Sir_Dave]

Its just a replacement exhaust, would you phone them if you bought one from Kwik Fit instead of Renault?

No.

 

[Ollieeee]

Its just a replacement exhaust, would you phone them if you bought one from Kwik Fit instead of Renault?

No.

It's an aftermarket system though. Kwik fit will supply OE spec exhausts.

 

[Sam@NP]

It's an aftermarket system though. Kwik fit will supply OE spec exhausts.

Kwik Fit exhausts are louder than standard.

 

[Goodj]

Direct line may take an existing car that's been modded, they just dont quote for them.

Really, you should check this before you get the exhaust put on. Sure, it'll give a full 0% performance gain, so tell them that, but they need to know.

 

[Goodj]

http://www.cliosport.net/forum/showthread.php?377488-OE-Exhaust-Insurance...

Direct line, no modz!

 

[Stu_350z]

Surely a decat is illegal as it wont pass an mot with it....

so how can they insure an illegal mod?

or am i confused here,,,

 

[missvavavoom]

Its on... Shat..

 

[Goodj]

well, you'd best get looking for a new insurance company then

Which, to be fair, may not be a bad thing Direct Line aren't all that

 

[domjolly]

Surely a decat is illegal as it wont pass an mot with it....

so how can they insure an illegal mod?

or am i confused here,,,

The mod isn't illegal but it make your car unroadworthy so it makes your car illegal, it's a crazy grey area in mods/insurance, my Decat is insured through sky insurance on here. Never been pulled over or stopped and checked though(touch wood) just need to take it out every MOT

 

[Fred@BTM]

it came on the car and you thought it was standard?

 

[one in a million]

Surely a decat is illegal as it wont pass an mot with it....

so how can they insure an illegal mod?

or am i confused here,,,

yeah it is illegal, but adrian flux do cover decats, so although it is illegal via vosa and what have ya, an will fail mot's, you can still keep yourself covered when declaring on your insurance

 

[one in a million]

it came on the car and you thought it was standard?

haha a few people told me to do that lol

 

[Sam]

Ooops. What you going to do ?

Sam!

Edit: I like the story above. Play Dumb!:quiet:

 

[one in a million]

The mod isn't illegal but it make your car unroadworthy so it makes your car illegal, it's a crazy grey area in mods/insurance, my Decat is insured through sky insurance on here. Never been pulled over or stopped and checked though(touch wood) just need to take it out every MOT

was going to say "touch wood" then but you had it up lol

 

[Addicted]

that's why i moved from direct-line, no mods for under 25's, their loss at the end of the day!

 

[Goodj]

that's why i moved from direct-line, no mods for under 25's, their loss at the end of the day!

Actually, they probaby lose less because of it

 

[Addicted]

Actually, they probaby lose less because of it

cheeky! never had a bump (touch wood)

 

[Goodj]

cheeky! never had a bump (touch wood)

yoof + car = dangerous enough
yoof + car + 'modz' = claim in waiting

That's the mindset and, going by the weekly thread trend below, it's not wrong.
"gotz 172 yo!"
"gotz yozza and coileverz!"
"Just went nose-first into an orphanage, write off?"

 

[missvavavoom]

I have merely bought a new exhaust which is stainless steel and doesnt rot, does it add BHP, duh, BHP im a girl what does that mean Mr Line.

Sound about right

 

[Addicted]

just say you had to have it replaced due to mot failure from rotting, see what they say!



@ Goodj true or a "i flipped my car in a field and tried to drive roof-down"!

 

[aldo_87]

just dont tell them, to the untrained eye it looks standard! If it ever (touchwood) was to be assessed by insurance i highly doubt they would notice!

 

[Jjay]

my insurance is Aviva and they are rather good, i declared just a backbox as thats all you can see thats different unless you actually get underneath it and have a look, havent had any problems yet!! touch wood! lol!

 

[missvavavoom]

Its gone up £40 a month...! really pissed off.

 

[Jekyll]

£40 a month? time to change insurance company i think!!

how are you finding the scorpion?

 

[SBV116]

£ 40 a month!!! £480 a year for a c*nting exhaust??!

 

[missvavavoom]

very upset

 

[missvavavoom]

Jekyll... Not enjoying it at the moment

 

[The Sherrif70]

Hi,
Change your insurance. £480 for an "aftermarket Stainless exhaust" is a joke. Its price jumps like that, that make you NOT tell them of your mods, which is not a good route to go down. Always tell your insurance of your mods, as these days they will do ANYTHING not to pay out. I regularly deal with insurance companies, and hear of the stunts they pull. eg Mileage...car is insured for 10k a year, 3 months into policy you have a bump and you have done 4k. They estimate your annual mileage at 16k and tell you that you are under insured by 60%, so thats what %age they work out you claim at. Believe me, unless you can afford to lose the cost of your car, declare your mods. However, you can be "choosey " on the words you use to describe stuff, "aftermarket Stainless exhaust" is what you have fitted, "performance exhaust" will upset your insurer.

 

[Naith]

lol... 40 a month. Lost for words.

theres so many ways out of paying that, use your noggin woman.

 

[missvavavoom]

Can you re-fit a standard exhaust, it was cut off. RAC will only charge me £14 a month more for it. Still fed up.

 

[missvavavoom]

lol... 40 a month. Lost for words.

theres so many ways out of paying that, use your noggin woman.

dont want to lie though Naith.

 

[DrR]

lol at 40 a month!

 

[missvavavoom]

not sure what to do now to be honest, i will see what Adrian Flux will say tomorrow.