Replacement engine and insurance

[AndyNetwork]

Quick one for the knowledgeable on here (I hope anyway)

had a manufacturer supplied like for like replacement engine fitted to my car, due to the old one suffering from excessive oil usage. Do I need to let my insurance co. know that it now has a new engine, even though it is the same spec as the old one?

Cheers,

Andy

[anonymous-user]

It's a repair not a modification so there is no reason to.

[Retroman]

No, but might be a good idea to update the engine number on the V5

[BertBert]

In the same vein, I recently washed my Rover 25, gave it a good polish, changed from mineral to synthetic oil and it now looks really smart whereas before it looked a bit of a shed. I'm sure it's much quicker on Mobile 1 as well. Do I need to tell my insurance company?

In fact to make matters worse, I habitually pick my nose when driving and wipe it off on the seat. I realised that was pretty skanky so cleaned the seat too. I really ought to tell them didn't I?

Bert
Sorry

[ZOLLAR]

Yes, typically there will be an option for the insurer to choose on the Mods screen "Engine replacement - same" or something similar.
There are options for when you do quotes too.

[TwigtheWonderkid]

That's unkind Bert. OP has a point. My mate's auntie's neighbour's brother in law had his claim refused because he had an "I've been to Whipsnade" sticker in his window. They said it was an undeclared modification so wouldn't pay the claim ....apparently.

[ging84]

BertBert said:

In the same vein, I recently washed my Rover 25, gave it a good polish, changed from mineral to synthetic oil and it now looks really smart whereas before it looked a bit of a shed. I'm sure it's much quicker on Mobile 1 as well. Do I need to tell my insurance company?

In fact to make matters worse, I habitually pick my nose when driving and wipe it off on the seat. I realised that was pretty skanky so cleaned the seat too. I really ought to tell them didn't I?

Bert
Sorry

Absolutely
insurers often make it very clear ANYTHING which changes the appearance or performance of your car must be declared, so polish clearly counts, also the dirt you took off i assume that was previously declared anyway, that can now be taken off the policy.
They often advise you that anything which was not factory installed is a modification, so you must declare front and rear number plates, the dealer sticker in the window, luckily you don't have do declare tax disk holders any more, but if you have a parking permit, that obviously counts, as do air fresheners and phone / sat nave holders and chargers.

[AlexRS2782]

Retroman said:

No, but might be a good idea to update the engine number on the V5

As above. A couple of years ago with my old Saxo track car the engine expired and rather than rebuilt it, i decided it was cheaper & easier to source another like for like 16v engine albeit with slightly less mileage.

I mentioned it to the insurers at the time who said it was of no interest and they would only want to know if it was a different capacity / power engine, had different modifications, etc.

I updated the DVLA with the new (replacement) engine number and 2 weeks later back came an updated V5