Stage 1 conversion and insurance
Discussion
Thinking of having the stage 1 conversion to my standard 3R which I've been told will be about 400-420 bhp. What kind of impact would this make to my insurance? I'm 48, 7 years ncd, 1 own fault claim about 18 months ago and I normally pay about £400ish. I don't want any track cover, anybody had any experience of a good insurance company that doesn't take the pee when it comes to modifications? Also anyone had the same conversion to their car? Would you recommend it? My car hasn't flickered in the 2 years I've had her, Jetstream would do the work. cheers John
mrpbailey said:
No fuel pump or exhaust upgrade? Intercooler won't give power increase, will just stop heat soak. Valve springs allow you to hold the power at higher revs without float, so it's really only the re-map that is giving a real power gain, which I don't think will get you near 420. Have you had your car on a dyno? As some of them are only around 330 standard anyway?
I had dual exhaust, cam timing, fuel pump & wiring, intercooler and made just over 400 a few years ago. I also broke the gearbox at this power, which is something worth thinking about.
Thanks for the feedback, if it risks the gearbox I think I'll give it a miss! Anyone else stuffed the gearbox by running 400ish hp?I had dual exhaust, cam timing, fuel pump & wiring, intercooler and made just over 400 a few years ago. I also broke the gearbox at this power, which is something worth thinking about.
cdhoole said:
Hi Johns355,
I am of a similar age and have a similar power output (425HP/400lbft with modified Exhaust/Fuel Pump/Intercooler/re-map)and I paid £500 with Sky Insurance. This was for 6,000 mile limit, social domestic and commute, £350 excess and with girlfriend as a named driver (yes I know, what was I thinking). I also declared all other mods such as wheels, hard pipe kits, even stereo etc. At the time, having trawled through this forum for clues as to who other owners had insured with, this seemed to be about the going rate as regards those I contacted. Others included track days for the same sum but restricted the mileage to 4,000 or 5,000 miles max. The cheapest I found with a 4,000 mile restriction was about £420.00. If you search on the forum, there is some debate as to whether you need to declare these modifications on the basis it is unlikely anyone would know what was original from the factory or not (and it varied), and while I think both points of view have merit I thought for the sake of a £100 or so it was worth hedging my bets!
Chris.
Thanks for the feedback Chris, I appreciate it, have you had any gearbox issues running that power? Cheers John I am of a similar age and have a similar power output (425HP/400lbft with modified Exhaust/Fuel Pump/Intercooler/re-map)and I paid £500 with Sky Insurance. This was for 6,000 mile limit, social domestic and commute, £350 excess and with girlfriend as a named driver (yes I know, what was I thinking). I also declared all other mods such as wheels, hard pipe kits, even stereo etc. At the time, having trawled through this forum for clues as to who other owners had insured with, this seemed to be about the going rate as regards those I contacted. Others included track days for the same sum but restricted the mileage to 4,000 or 5,000 miles max. The cheapest I found with a 4,000 mile restriction was about £420.00. If you search on the forum, there is some debate as to whether you need to declare these modifications on the basis it is unlikely anyone would know what was original from the factory or not (and it varied), and while I think both points of view have merit I thought for the sake of a £100 or so it was worth hedging my bets!
Chris.
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