At what point is it aftermarket?
Discussion
Cars tend to need a new exhaust at some point in thier life.
However if you got a new exhaust and the backbox tip was different to how it was from factory, i.e one big tip rather than a dual tip, is this then classed as aftermarket in the insurances eyes? And therefore should it be declared as such.
However if you got a new exhaust and the backbox tip was different to how it was from factory, i.e one big tip rather than a dual tip, is this then classed as aftermarket in the insurances eyes? And therefore should it be declared as such.
In my mind there are three bands, OEM, after market pattern parts, after market performance parts.
On the exhaust front for example, a main dealer would fit an OEM exhaust. No insurance implication.
Kwik-Fit might fit a pattern part, not OEM manufactured, but manufactured to their design/style/fitment. No insurance implication.
Or you could fit a Milltek (or any other performance option) - your insurer will need to be told.
On the exhaust front for example, a main dealer would fit an OEM exhaust. No insurance implication.
Kwik-Fit might fit a pattern part, not OEM manufactured, but manufactured to their design/style/fitment. No insurance implication.
Or you could fit a Milltek (or any other performance option) - your insurer will need to be told.
It's worth noting that insurers aren't particularly going to care whether the exhaust increases the performance of the car; they care far more whether you're the kind of person who fits a "performance exhaust". For the insurers, something that makes the car look and/or sound more "sporty" is a sports exhaust whether it increases performance or not.
Dr Interceptor said:
In my mind there are three bands, OEM, after market pattern parts, after market performance parts.
On the exhaust front for example, a main dealer would fit an OEM exhaust. No insurance implication.
Kwik-Fit might fit a pattern part, not OEM manufactured, but manufactured to their design/style/fitment. No insurance implication.
Or you could fit a Milltek (or any other performance option) - your insurer will need to be told.
Ive seen cars claiming to be standard but the exhaust tip says otherwise. How can you tell if its not that the insurer needs informing off? On the exhaust front for example, a main dealer would fit an OEM exhaust. No insurance implication.
Kwik-Fit might fit a pattern part, not OEM manufactured, but manufactured to their design/style/fitment. No insurance implication.
Or you could fit a Milltek (or any other performance option) - your insurer will need to be told.
Literally just base it on noise?
dieseluser07 said:
Ive seen cars claiming to be standard but the exhaust tip says otherwise. How can you tell if its not that the insurer needs informing off?
Literally just base it on noise?
It's not just exhausts though is it? Do you tell your insurers if you fit pattern rubber suspension bushes bought from a motor factors, rather than OEM ones from a dealer?No you don't. Literally just base it on noise?
A little bit of common sense is required.
Dr Interceptor said:
dieseluser07 said:
Ive seen cars claiming to be standard but the exhaust tip says otherwise. How can you tell if its not that the insurer needs informing off?
Literally just base it on noise?
It's not just exhausts though is it? Do you tell your insurers if you fit pattern rubber suspension bushes bought from a motor factors, rather than OEM ones from a dealer?No you don't. Literally just base it on noise?
A little bit of common sense is required.
kambites said:
bomma220 said:
Insurers wouldn't get in a major flap over something like that, surely?
I think that depends hugely on both the insurer and on the nature of the claim you're trying to make against them. dieseluser07 said:
If a car was advertised as standard and the exhaust wasent loud and you kept proof of the advert, should you crash could insurers still wiggle out of it?
You could supply photographs of your vehicle to your insurer to be placed on your file, this is commonplace with the classic policies where we have to supply photos to support the value we place on the vehicle.TonyTony said:
I have insurance through Chris Knott and I found it via a car club website.
They said a non power gain mod would cost nothing at all on my insurance premium, so putting a cat back exhaust would be free. I suppose that and an air filter is about it though!
Always nice that.They said a non power gain mod would cost nothing at all on my insurance premium, so putting a cat back exhaust would be free. I suppose that and an air filter is about it though!
Similarly, I just renewed with Adrian Flux and both my front splitter (not a VW part) and spoiler (VW part) added nothing to the cost of my policy.
dieseluser07 said:
If a car was advertised as standard and the exhaust wasent loud and you kept proof of the advert, should you crash could insurers still wiggle out of it?
IIRC you sign that everything you've told them is true to the best of your knowledge, how many people buy a remapped car without knowing? Probably a few. Based on my experience - watch out for 'Calm Down Dear / Michael Winner" (eSure) for this one. My Mrs had to make a claim on her insurance with them a few years back after coming back to her car and finding someone had kindly dragged the front of their car down the entire length of her Nissan Micra, restyling it for her. When it went in for 'damage assessment' she received a letter from eSure a few days later saying that they'd taken an additional £45 from her direct debit (or possibly the card she used to pay for the policy - I can't remember) because it had a 'performance exhaust' fitted.
Anyway - long story short, it turned out that the factory-fitted chrome tip fitted to the original factory exhaust on her completely standard Micra had been classed by the insurance assessor as a performance modification and that regardless of anything I said otherwise, their 'trained mechanic' had told them it was a performance exhaust. In the end, after numerous lengthy phone calls over about three weeks, it was only after I obtained parts diagrams from Nissan and took photographs of the exhaust which had the same part numbers stamped on them that eSure reluctantly agreed to refund her money.
Anyway - long story short, it turned out that the factory-fitted chrome tip fitted to the original factory exhaust on her completely standard Micra had been classed by the insurance assessor as a performance modification and that regardless of anything I said otherwise, their 'trained mechanic' had told them it was a performance exhaust. In the end, after numerous lengthy phone calls over about three weeks, it was only after I obtained parts diagrams from Nissan and took photographs of the exhaust which had the same part numbers stamped on them that eSure reluctantly agreed to refund her money.
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