DPF removal and Insurance
Discussion
There's a bit of a debate going on over in BMWLand about removing DPFs and invalidating your insurance. According to the AA's website, if you remove your DPF you should tell your insurance company who will likely cancel your insurance as the car has been illegally modified.
http://www.theaa.com/motoring_advice/fuels-and-env...
However, one chap here is arguing that an insurance company is highly unlikely to discover it but another chap disagrees.
http://www.bmwland.co.uk/forums/viewtopic.php?f=5&...
What's the general feeling from the insurance types on here?
Some caveats:
1. I'm neither of those blokes on BMWLand.
2. I have a BMW.
3. But I have no intention of removing my DPF.
http://www.theaa.com/motoring_advice/fuels-and-env...
However, one chap here is arguing that an insurance company is highly unlikely to discover it but another chap disagrees.
http://www.bmwland.co.uk/forums/viewtopic.php?f=5&...
What's the general feeling from the insurance types on here?
Some caveats:
1. I'm neither of those blokes on BMWLand.
2. I have a BMW.
3. But I have no intention of removing my DPF.
AA's website doesn't say that. It says -
"You must notify your insurer if the vehicle is modified but such a modification could in turn invalidate any insurance cover because it makes the vehicle illegal for road use."
Note they use the word 'could'. I wouldn't rely on their website for advice about anything.
I don't have a dog in this particular fight.
"You must notify your insurer if the vehicle is modified but such a modification could in turn invalidate any insurance cover because it makes the vehicle illegal for road use."
Note they use the word 'could'. I wouldn't rely on their website for advice about anything.
I don't have a dog in this particular fight.
Having a DPF gutted, or indeed a bypass fitted, would not invalidate your insurance unless you told them following an accident....in the worst case just play dumb (if a pre-owned car).
On the flip side its a general consumable. Do you notify them if you switch the factory conti's to pirelli/wanli or the standard brake pads to pagids from ECP?
On the flip side its a general consumable. Do you notify them if you switch the factory conti's to pirelli/wanli or the standard brake pads to pagids from ECP?
Magic919 said:
AA's website doesn't say that. It says -
"You must notify your insurer if the vehicle is modified but such a modification could in turn invalidate any insurance cover because it makes the vehicle illegal for road use."
Note they use the word 'could'. I wouldn't rely on their website for advice about anything.
I don't have a dog in this particular fight.
Which is why I said 'likely' as opposed to 'will' but like you, I have no particular dog in this fight either, just idle curiosity."You must notify your insurer if the vehicle is modified but such a modification could in turn invalidate any insurance cover because it makes the vehicle illegal for road use."
Note they use the word 'could'. I wouldn't rely on their website for advice about anything.
I don't have a dog in this particular fight.
kiethton said:
On the flip side its a general consumable. Do you notify them if you switch the factory conti's to pirelli/wanli or the standard brake pads to pagids from ECP?
I have heard that upgraded pads should be declared but never thought about tyres, especially as it’s possible to buy really cheap ones that can’t be any good. I would have thought the increase risk of putting £30 tyres on would be more of a concern to the insurance companies than the green stuff pads fitted.
Type R Tom said:
kiethton said:
On the flip side its a general consumable. Do you notify them if you switch the factory conti's to pirelli/wanli or the standard brake pads to pagids from ECP?
I have heard that upgraded pads should be declared but never thought about tyres, especially as it’s possible to buy really cheap ones that can’t be any good. I would have thought the increase risk of putting £30 tyres on would be more of a concern to the insurance companies than the green stuff pads fitted.
kiethton said:
On the flip side its a general consumable. Do you notify them if you switch the factory conti's to pirelli/wanli or the standard brake pads to pagids from ECP?
I wouldn't have thought so given that changing your pads/tyres is not potentially illegal which seems to be the crux of the problem with DPFs and emissions regulations. Nor does changing them potentially fail your MoT. Not really a sensible comparison to be honest.Osinjak said:
Magic919 said:
People have be de-catting cars for years. No big dramas have unfolded. Can't see DPF removal being so different.
But it is different because as of Feb 2014 it's supposedly 'illegal.'Magic919 said:
Is 'illegal' in quotes any different to being illegal? What is the new law that is enacted from that date regarding DPFs?
Yes it is, it indicates that I'm not entirely sure about it hence the apostrophes. For the last part of your question, the info is in the AA link above.kiethton said:
Osinjak said:
But it is different because as of Feb 2014 it's supposedly 'illegal.'
Surely if the car passes the MOT with the core knocked out/skin place AND passes the emissions test it is legal.Osinjak said:
Magic919 said:
Is 'illegal' in quotes any different to being illegal? What is the new law that is enacted from that date regarding DPFs?
Yes it is, it indicates that I'm not entirely sure about it hence the apostrophes. For the last part of your question, the info is in the AA link above.Osinjak said:
kiethton said:
Osinjak said:
But it is different because as of Feb 2014 it's supposedly 'illegal.'
Surely if the car passes the MOT with the core knocked out/skin place AND passes the emissions test it is legal.Plus there is then the fact that you may not have owned the car from new - unless you show them receipts play dumb
Osinjak said:
Magic919 said:
Is 'illegal' in quotes any different to being illegal? What is the new law that is enacted from that date regarding DPFs?
Yes it is, it indicates that I'm not entirely sure about it hence the apostrophes. For the last part of your question, the info is in the AA link above.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff