Q for those with de cats

[Gilbert_Ratchet]

Alright folks. We know there are ways to get round having no cat mot time but what have you people told your insurance??
cheers
Rich.

 

[MarkM]

I asked direct line they said they would not insure a decat as it would be illeagal to drive the car on the road.

 

[Middo]

tell them its a sport cat and plead ignorance

 

[Martin_172]

personally id tell them nothing and if u have an accident just stick the old cat back on

 

[Neil82]

Tell them you have a modified exhaust system/manifold.

 

[16v_jon]

it aint illegal to have a decat as long as the car can pass the emmisions test, on the 172 it gives good gains. mine passed the MOT recently with 5 litres of cool blue and a dose of fuel system cleaner in the tank.
My mate is a tester and we tested the emmisions before with bog standard petrol in and the results were very bad the CO, CO2 and hydrocarbon emmissions were tripple the maximum allowed

 

[thedoc]

"Tell them you have a modified exhaust system/manifold." - bang right.

 

[Gilbert_Ratchet]

I've had my fingers burnt years ago with a MK1 Fiesta i shoehorned a 1.6 into. hard to swap the cat over if your in a hospital bed and your car is impounded! All very well if the car passes emissions but no cat is no cat surely?

 

[White16valver]

I've had my fingers burnt years ago with a MK1 Fiesta i shoehorned a 1.6 into. hard to swap the cat over if your in a hospital bed and your car is impounded! All very well if the car passes emissions but no cat is no cat surely?

This is true - but the point is that you don't need one if you pass the emissions test!

 

[donsrno1]

I just sent a letter to my insurance saying I was fitting a cat back stainless steel exhaust and decat and I got an letter back saying that it was OK.

 

[theduck]

modified exhuast/manifold is the way to describe it, means you can modify exhuast as much as you like with no further premium increases

 

[Ali]

I wouldn't tell them jack s**t.

 

[Djw John]

Yeah I'd go along with the modified exhaust as well, same way mine is declared as bing lowered, no more details than that.

 

[Turkish]

Just tell them you are fitting a sports exhaust system. Insurers know f**k all and getting too specific only confuses them. As long you've told them the exhaust is replaced with a perfromance item you're covered.

 

[Gilbert_Ratchet]

Insurers are thick I'm sure,but the engineers checking your written off motor over to get the insurance company out of paying out? Maybe be a bit more switched on?

"Loony" Is that your name? You don't fancy buying a reg plate do you?

 

[Alan]

I wouldn't tell them jack sh*t.

Maybe he aint as hard as you sister! lol