Stainless Steel exhaust - Insurance Impact?
Discussion
Hi everyone, I had a call today from my broker ahead of the renewal for my Z4C.
Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better
)
Would love to hear from anyone else who has had an issue with this!
Don't think I will bother telling them I use winters on my E46 325ti - duty of disclosure arises at renewal so as long as I have the winters off before 24 April renewal each year they don't need to know!
Would also be interesting to get a view from our new insurance partner!
Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better
)Would love to hear from anyone else who has had an issue with this!
Don't think I will bother telling them I use winters on my E46 325ti - duty of disclosure arises at renewal so as long as I have the winters off before 24 April renewal each year they don't need to know!
Would also be interesting to get a view from our new insurance partner!
Mr Tidy said:
Hi everyone, I had a call today from my broker ahead of the renewal for my Z4C.
Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better)
Would love to hear from anyone else who has had an issue with this!
Don't think I will bother telling them I use winters on my E46 325ti - duty of disclosure arises at renewal so as long as I have the winters off before 24 April renewal each year they don't need to know!
Would also be interesting to get a view from our new insurance partner!
I think you'll find you have to declare any modifications to your insurer as soon as they happen, not when the policy is up for renewal.Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better
)Would love to hear from anyone else who has had an issue with this!
Don't think I will bother telling them I use winters on my E46 325ti - duty of disclosure arises at renewal so as long as I have the winters off before 24 April renewal each year they don't need to know!
Would also be interesting to get a view from our new insurance partner!
https://www.uswitch.com/car-insurance-10-things-yo...
"If you add any modifications to your car after taking out your insurance policy, make sure you let your insurer know"
Mr Tidy said:
Hi everyone, I had a call today from my broker ahead of the renewal for my Z4C.
Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better)
Right up until that last bit, I was going to ask if it was just a direct replacement exhaust that happened to be stainless, or if it was an aftermarket "modification" exhaust. And the answer is clearly that it's a mod...Went through the usual questions about convictions, accidents and disabilities then got to modifications!
I said it had stainless centre and rear exhaust sections, and I haven't heard since! It is surely just a sensible route to go! (And it sounds much better
)Mr Tidy said:
Don't think I will bother telling them I use winters on my E46 325ti - duty of disclosure arises at renewal so as long as I have the winters off before 24 April renewal each year they don't need to know!
If that was true, why don't you just take off the exhaust just before you phone to renew, and then refit after you've hung up 
Greendubber said:
Make sure its listed on your policy or the police could take the car off you for no insurance. The boy racers are hating it at the moment as they never declare mids so spend a lot of time walking home.
If you had not told the insurance company why would there be no insurance? The policy would be valid and on MID. That is what the police will check. Those that have to walk home having had the car impounded will not have had any valid insurance.eatcustard said:
When I cup a SS cat back exhaust on my Mini I was just asked did it sound much louder, I said no as it was not much Louder, no increase on insurance. But as previously stated tell them when you fit them.
Well that's a bit subjective isn't it?Sounds like you were talking to a complete mug.
KevinCamaroSS said:
If you had not told the insurance company why would there be no insurance? The policy would be valid and on MID. That is what the police will check. Those that have to walk home having had the car impounded will not have had any valid insurance.
I know what they will check, I've done it.Stop car
Notice mods
Call insurance company
No cover for modded car
Arrange a recovery truck
Job done, false statement to obtain insurance.
Edited by Greendubber on Wednesday 1st June 19:53
Greendubber said:
KevinCamaroSS said:
If you had not told the insurance company why would there be no insurance? The policy would be valid and on MID. That is what the police will check. Those that have to walk home having had the car impounded will not have had any valid insurance.
I know what they will check, I've done it.Stop car
Notice mods
Call insurance company
No cover for modded car
Arrange a recovery truck
Job done, false statement to obtain insurance.
Edited by Greendubber on Wednesday 1st June 19:53
I was running about in a 1.8t Audi A3 a few years back, hybrid turbo, full custom exhaust, bigger brakes, uprated anti roll bars and coilovers and it was less than an 80 quid increase on my premium and that was purely based on the turbo change, everything else made no difference to the premium BUT I still had to declare them.
Cost me about £50 extra when I put a sports exhaust on my TVR and informed my insurers. No real worry there.
A fun game I like to play is to declare modifications in the most petrolhead way and see how confused the call centre staff get. Trying to explain an intake kit and a remap on my old 370Z was fantastic; we went from exhaust, to blueprinted engine, to supercharging, to something else before settling on "induction kit" and "engine remap".
I know the folks on the other end of the phone tend not to be car enthusiasts but it's interesting when you read out the full product name of whatever you've bought, only to be asked if it's something completely different. Again, I know they read from scripts but there's also a childish amusement to be had from being asked whether a VX220 is a 5-door car, and if it is a petrol or diesel.
A fun game I like to play is to declare modifications in the most petrolhead way and see how confused the call centre staff get. Trying to explain an intake kit and a remap on my old 370Z was fantastic; we went from exhaust, to blueprinted engine, to supercharging, to something else before settling on "induction kit" and "engine remap".
I know the folks on the other end of the phone tend not to be car enthusiasts but it's interesting when you read out the full product name of whatever you've bought, only to be asked if it's something completely different. Again, I know they read from scripts but there's also a childish amusement to be had from being asked whether a VX220 is a 5-door car, and if it is a petrol or diesel.
Edited by sebhaque on Thursday 2nd June 02:22
del mar said:
I have an old Maserati with a ss exhaust as there are no originals left.
Any modifications ?
Yes ss exhaust as there are no originals left.
We would only replace it with standard equipment
But there aren't any left.
Em err we could only replace it with an original one ......
Del
In that situation many insurers would give you the last known UK price for the part in question (although saying that when you say there are no "originals" left is there any on the used market? as some insurers now include the option to use used parts in the repair of a vehicle).Any modifications ?
Yes ss exhaust as there are no originals left.
We would only replace it with standard equipment
But there aren't any left.
Em err we could only replace it with an original one ......
Del
sebhaque said:
Cost me about £50 extra when I put a sports exhaust on my TVR and informed my insurers. No real worry there.
A fun game I like to play is to declare modifications in the most petrolhead way and see how confused the call centre staff get. Trying to explain an intake kit and a remap on my old 370Z was fantastic; we went from exhaust, to blueprinted engine, to supercharging, to something else before settling on "induction kit" and "engine remap".
I know the folks on the other end of the phone tend not to be car enthusiasts but it's interesting when you read out the full product name of whatever you've bought, only to be asked if it's something completely different. Again, I know they read from scripts but there's also a childish amusement to be had from being asked whether a VX220 is a 5-door car, and if it is a petrol or diesel.
Had a similar experience trying to insure my MX5 with a broker associated with this site. A fun game I like to play is to declare modifications in the most petrolhead way and see how confused the call centre staff get. Trying to explain an intake kit and a remap on my old 370Z was fantastic; we went from exhaust, to blueprinted engine, to supercharging, to something else before settling on "induction kit" and "engine remap".
I know the folks on the other end of the phone tend not to be car enthusiasts but it's interesting when you read out the full product name of whatever you've bought, only to be asked if it's something completely different. Again, I know they read from scripts but there's also a childish amusement to be had from being asked whether a VX220 is a 5-door car, and if it is a petrol or diesel.
Edited by sebhaque on Thursday 2nd June 02:22
First they ask if it's not petrol or diesel, then if it was an estate or hatchback!
Final straw was telling me the reason their quote was 4 times the amount I paid them to insure a modified 2.8turbo Saab was because the MX5 was quicker!
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