Strange thought regaring insurance and tweaked engines

[Rob_the_Sparky]

Given that the book figure for engine power is a tad inflated, if I fettle the engine to get more power and achieve the book figure do you have to declare a power increase due to fettling of 0bhp, despite a significant real world improvement?!

Maybe there is an upside to TVR's small horses...

[Alexdaredevilz]

If it were me and you were making book hp I'd say it had strengthened internals

[Hoover.]

I always declare mods, then reason with them that it's only making book figures so not realy a performance mod...... they normaly quote standard afterwards, but your arse is covered..... believe it or not bedue to gearbox change from Rover LT77 to Borg T5 I've been refused or loaded despite it beinga recognised box on latter Griffs....... talk to a broker who knows what they are talking about, it pays dividends

[lestershaw]

recently i had to pay £25 for a mod that raised my brake horse power from 263 to 289, i argued that when you quoted for me that you would have had to gone by book quoted figures when you first quoted for my policy .
his reply was simple, "is it faster now than when we first insured it for you, if it is it will cost you a fee"

[TVR Beaver]

With my engine mod's, whilst still under the 325 / 340 BHP for the 500's, my insurance has been fine...
But I did ask about improving the brakes at one point and guess what! Crackers!!

[7 TVR]

I went from 260 to 486 for a small fee of £60! Simples and cheap

[FlipFlopGriff]

Mines got a page and a half of mods declared and any I've done have not affected the premium. Best to declare everything as they'll try and wangle out of paying up even for the slightest thing.
FFG

[Shawbags]

I've just re-insured with Manning's. They were knowledgeable and sensible when it came to upgrades. They were also very competitive.
David.

[Bluebottle]

SC-Power successfully argued with my insurers that their system was only adding 50bhp over the factory figure as most cars are typically 50bhp below the factory quoted figure. (but I'm not letting them see my dyno printouts lol)

[SSPPGG]

I disclose EVERY mod to my insurers

seats, shocks, brakes, engine, gearbox, retrimmed roof. the lot.

It makes it easier to argue that they've been fully informed, also makes it easier to argue the value of your car, if you can evidence upgrades that theyve been made aware of, especially if they argue "market value" in the event of a claim.

so far, the performance upgrades 240 to 430hp have cost me nil

[jeboa]

I've used Classicline for the past 7 yrs. They register all modifications, the price doesn't really alter with modifications, it's the value that makes the difference.

So drop £12k's worth of LS conversion into a £12k Grif, and expect to pay more - not for the BHP, but for the increase in value to replace your new toy.

[5.0ltr]

May be of help?


Your car must be in its original state and should not have been modified from the manufacturer’s specification. Your car insurance company deals with the risk associated with your insured vehicle which it assesses with reference to the exact make, model and trim, then calculates an insurance premium based upon this (and other) factors. If your car has undergone changes the information they used as the basis of their assessment is inaccurate. If for instance the engine specification has been enhanced to increase the acceleration or top speed, your car could present a higher insurance risk, or if the bodywork has been amended, it may cost more to repair if making a claim. If your vehicle has been modified you need to consult your car insurance company with the exact modification to ensure they will accept the altered risk or find a specialist insurer.

[dnb]

I'd love to see a Griff built to "manufacturer specification".

[Rob_the_Sparky]

Yeah, I was never thinking about not declaring mods, just it is an interesting situation where engine mods may still leave your car with less power (performance?) than the book figures due to the original figures being inflated.

Good to hear that insuring most mods is no big deal though, I do have to do some engine work at somepoint so this opens the options.

[red griff roger]

TVR Beaver said:

With my engine mod's, whilst still under the 325 / 340 BHP for the 500's, my insurance has been fine...
But I did ask about improving the brakes at one point and guess what! Crackers!!

As has been said - talk to the guys that know. I upgraded my brakes and Mannings jokingly said I should get a reduction - I didn't, but I did get a note from them that I had a mod and had told them. CYA.