Modified insurance

[Mr Classic]

The car isn't 'modified' as such but will be having a replacement engine before being insured. How am i going to go about this without selling a kidney as I'm only 18! Companies to use or tactics appreciated

[otolith]

If you are replacing the engine with an identical one, your insurer won't care.

[Mr Classic]

Say that to the 300% increase of insurance cost....

[C. Grimsley]

Some things are just best kept to yourself.

Carl

[otolith]

What on earth are you telling them? If the replacement engine is identical to the old one the car is not modified.

[Lowtimer]

If a knackered standard engine is being replaced by another, fresh standard engine of the same type, capacity and capacity and nominal power then it is not a modification and should not be declared as such, any more than if you have changed the brake pads, clutch or gearbox for new factory ones, or replaced the air in the tyres come to that.

[ZOLLAR]

Even if it's for an identical engine some insurers will need to know the engine has had a replacement.

[DaveyBoyWonder]

The engine was replaced prior to you buying the car and you have no knowledge of it.

[otolith]

Even if - for example - it's just failed under warranty and been replaced by the manufacturer? Or are we talking about cars where a new engine means the vehicle is worth substantially more than it was?

[Carl-H]

Brentacre. They are brilliant! Only issue I can see you having is they only insure under 21's if the car is modified and I'd day yours is still standard if it's a replacement engine going in. If you have any other mods though give them a ring!

[Lowtimer]

ZOLLAR said:

Even if it's for an identical engine some insurers will need to know the engine has had a replacement.

Why? And says who? And what other factory standard replacement parts does this apply to?

[vtecyo]

I hydrolocked the engine in my 1.2 Corsa when I was 17 ("it's not THAT deep!"). Never even crossed my mind to notify the insureres as the replacement unit was from an identical (albeit with 10k less miles) car.

[Lowtimer]

Nor should you, unless there was some bizarre term in your specific policy that demanded you tell them of all maintenance or repair work carried out.

[ZOLLAR]

Lowtimer said:

ZOLLAR said:

Even if it's for an identical engine some insurers will need to know the engine has had a replacement.

Why? And says who? And what other factory standard replacement parts does this apply to?

Well for one, Admiral Group.

As the insurer is accepting the risk they have the right to know any alterations made to the vehicle.
An engine change regardless of whether it's identical or not would be significant enough to be declarable.
That's not to say it will increase the price of insurance, just that with some insurers they will need to know.

[Ash From Flux]

If you are having trouble with insurance please do give me a DM - I'm sure we can help.

Thanks

Ash

[otolith]

Even if it was done under warranty by the manufacturer after a failure at low mileage?

[J8 SVG]

Who have you asked already?

Give Adrian Flux a ring, they tend to understand these kind of things.

[Lowtimer]

ZOLLAR said:

Well for one, Admiral Group.

As the insurer is accepting the risk they have the right to know any alterations made to the vehicle.
An engine change regardless of whether it's identical or not would be significant enough to be declarable.
That's not to say it will increase the price of insurance, just that with some insurers they will need to know.

A factory replacement engine is not an alteration, it is a repair. What does the policy wording say?

[98elise]

ZOLLAR said:

Lowtimer said:

ZOLLAR said:

Even if it's for an identical engine some insurers will need to know the engine has had a replacement.

Why? And says who? And what other factory standard replacement parts does this apply to?

Well for one, Admiral Group.

As the insurer is accepting the risk they have the right to know any alterations made to the vehicle.
An engine change regardless of whether it's identical or not would be significant enough to be declarable.
That's not to say it will increase the price of insurance, just that with some insurers they will need to know.

It is in no way a modification thought its a repair. Not something that needs to be declared at all.

[ZOLLAR]

98elise said:

ZOLLAR said:

Lowtimer said:

ZOLLAR said:

Even if it's for an identical engine some insurers will need to know the engine has had a replacement.

Why? And says who? And what other factory standard replacement parts does this apply to?

Well for one, Admiral Group.

As the insurer is accepting the risk they have the right to know any alterations made to the vehicle.
An engine change regardless of whether it's identical or not would be significant enough to be declarable.
That's not to say it will increase the price of insurance, just that with some insurers they will need to know.

It is in no way a modification thought its a repair. Not something that needs to be declared at all.

According too?