How can a car be legally insured if....
Discussion
This has been brought up time and again. Maybe he does have an effective policy on it but if he crashes and the insurer's engineer comes to inspect the vehicle, the insurer will find out that the car has had an engine change to increase capacity and power. This will be treated as a material non disclosure and the insurer will consider the option to refuse indemnity to the owner. In which case they may void the policy from inception or alternatively deal in their capacity as RTA insurer and then seek recovery of their outlay from the owner.
SLCZ3 said:
I am surprised that the MOT does not include verifying the engine number/vin are complimentary.
Do you know where the engine number is on every model of car from 1960 onward ?Then consider that cars with a replacement engine may not have an engine number, if they do it won't match the original one.
In older cars surface corrosion will hide the number.
Its just too difficult to manage.
Besides swapping the engine and not declaring it why would anyone buy a car being advertised with a welded diff ?
Crafty_ said:
SLCZ3 said:
I am surprised that the MOT does not include verifying the engine number/vin are complimentary.
Do you know where the engine number is on every model of car from 1960 onward ?Then consider that cars with a replacement engine may not have an engine number, if they do it won't match the original one.
In older cars surface corrosion will hide the number.
Its just too difficult to manage.
Besides swapping the engine and not declaring it why would anyone buy a car being advertised with a welded diff ?
king ashamed of himself.
My track car shows on the log book as a 2.8 and is actually a 3.2.
The car was originally a 1.6 and had an engine upgrade. It took enormous mounts of messing about to get it switched from 1.6 to a 2.8. the DVLA are really not very helpful and often don't know/understand their own rules.
I blew the 2.8 up and went for the 3.2 M3 and I am now back in the idiot loop that is the DVLA to try and get it on the log book.
All mods on my car are fully declared and the insurance company have just insured it as a 3.2 while I argue with the DVLA!
So in theory at least you could buy that car and declare it to the insurance company, taxing it will be an issue though as the engines fall into different bands I think.
The car was originally a 1.6 and had an engine upgrade. It took enormous mounts of messing about to get it switched from 1.6 to a 2.8. the DVLA are really not very helpful and often don't know/understand their own rules.
I blew the 2.8 up and went for the 3.2 M3 and I am now back in the idiot loop that is the DVLA to try and get it on the log book.
All mods on my car are fully declared and the insurance company have just insured it as a 3.2 while I argue with the DVLA!
So in theory at least you could buy that car and declare it to the insurance company, taxing it will be an issue though as the engines fall into different bands I think.
StuntmanMike said:
I think many many laymen out there would spot the size difference, extra two cylinders etc, someone who is MOT'ing that car that doesn't pick that mod up, ought to be fking ashamed of himself.
I'm not sure what that has to do with insurance but when a tester does pick up on the mod what do you think happens, the most is they change the engine cc on the computer, that's if the tester knows what it is. king ashamed of himself.StuntmanMike said:
I think many many laymen out there would spot the size difference, extra two cylinders etc, someone who is MOT'ing that car that doesn't pick that mod up, ought to be fking ashamed of himself.
The suggestion was to check engine numbers ties up with paperwork at MOT time, so in order to tie them up one must be able to find the engine numbers.king ashamed of himself.AFAIK there isn't any requirements in the MOT to check/report the car is what it says
StuntmanMike said:
I think many many laymen out there would spot the size difference, extra two cylinders etc, someone who is MOT'ing that car that doesn't pick that mod up, ought to be fking ashamed of himself.
If I remember correctly, but remember I have only held my driving license for 45 years, so could be wrong here, every engine block has a number stamped on it, and is it not advisable, when purchasing a car, to verify the vin/engine number with all documentation, reg doc etc. king ashamed of himself.It's an undeclared mod so in the event of an accident, the insurance company would only pay out to a third party, and would then probably come after the owner of the car for any additional money that should have been paid on the premium (I wouldn't be surprised if there was some sort of "flag" put on file against the owners name/address to highlight the insurance fraud in the future).
PurpleMoonlight said:
I'm intrigued as to why the diff has been welded.
So it can be used for "diffing"http://www.youtube.com/watch?v=3RF_PgS-LKs
http://www.youtube.com/watch?v=comPUQTb4P0
Car's ran as a daily drifter - welded diff isnt particularly an issue. I run an e46 328 in a similar spec. Drives fine and is only really noticable at slow speeds ie parking. Welded diff is not MOT failure - advisory on mine last week - and is declared on my insurance as a listed modification, along with hydraulic handbrake, coilovers etc etc.
If I had the cash I would have bought this BMW had it not been for the log book issue - sending it away is fine, easy to do, just some insurers start asking for engineers reports, which are a pain in the arse.
If I had the cash I would have bought this BMW had it not been for the log book issue - sending it away is fine, easy to do, just some insurers start asking for engineers reports, which are a pain in the arse.
StuntmanMike said:
I think many many laymen out there would spot the size difference, extra two cylinders etc, someone who is MOT'ing that car that doesn't pick that mod up, ought to be fking ashamed of himself.
It's got absolutely sod all to do with a MOT whether the car has had an engine swap The only time it will be relevant is in ascertaining the age of the engine for the emissions limits. We test as presented and if we started putting advisories down as to the suitability of the engine, we may as well start sticking them down as to the state of non testable stuff like the transmission and minor body repairs, then you'll end up with an unsaleable car.king ashamed of himself.Another thing on checking engine numbers, what do we check them against?, as we don't have access to the full DVLA record.
mcford said:
It's got absolutely sod all to do with a MOT whether the car has had an engine swap The only time it will be relevant is in ascertaining the age of the engine for the emissions limits. We test as presented and if we started putting advisories down as to the suitability of the engine, we may as well start sticking them down as to the state of non testable stuff like the transmission and minor body repairs, then you'll end up with an unsaleable car.
Another thing on checking engine numbers, what do we check them against?, as we don't have access to the full DVLA record.
I guess as it has been decatted that would be a problem though?Another thing on checking engine numbers, what do we check them against?, as we don't have access to the full DVLA record.
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