De-Cat and Insurance?

[Bob1984]

How does this work?

[Hollywood Wheels]

Not a problem depending on the company. I have all my mods declared (decat, nitrons, Janspeed, Hurricane...) and it doesn't add a penny to my insurance. Ignore the people who talk about the car being 'illegal', even NOT having a valid MOT doesn't necessarily make a car illegal and therefore uninsured.....

[Bob1984]

Nice thanks just what i wanted to hear!

Just out of curiousity, who are you with? Im with Admiral.

Edited by Bob1984 on Monday 14th January 22:51

[Hollywood Wheels]

I'm insured through A-Plan, but I think the actual policy ends up with 'Markerstudy'. Honestly mate, it's been proved in law that having no MOT does NOT invalidate insurance, so having a properly declared mod like a decat pipe is NOT a problem, as long as it's noted on the policy. I couldn't get rid of mine whatever....the flames out the back are too much to give up!

[Bob1984]

I have heard enough!

Edited by Bob1984 on Monday 14th January 23:36

[bombadier]

On a related subject my insurer has informed me that non OE tyres (ie anything other that P zero's on my S1) constitute a modification and must be declared. This prompted a discussion regarding what exactly constitutes a modified vehicle, and the response was that it was up to me to decide, but that if there was a claim their assessor would make a binding decision, and any undeclared mods would invalidate the claim.

They also add 10% to the premium for any declared mod.

[Chris49]

bombadier said:

They also add 10% to the premium for any declared mod.

Thats what I have on my policy. Declared an induction mod and ended up paying an extra £50 a year.