Crash - Insurance Unaware Of Engine Swap - Consequences

Crash - Insurance Unaware Of Engine Swap - Consequences

Author
Discussion

tigger1

8,402 posts

221 months

Friday 8th September 2017
quotequote all
Mark-C said:
PorkInsider said:
essayer said:
Nobody's even mentioned relocating the battery in the boot to maintain 50/50 weight distribution!
And folding the rear seats down to lower the CofG...
Is this so it will take off when driven quickly on a treadmill ?
Only works if you cadence-clutch it.

creampuff

6,511 posts

143 months

Friday 8th September 2017
quotequote all
Sea Demon said:
I'm not sure on that, was just told that the police took away the car & his mobile phone so probably checking to see if he was on a call at the time.
Oh what basis are the police able to take a mobile phone?

SantaBarbara

3,244 posts

108 months

Friday 8th September 2017
quotequote all
creampuff said:
Oh what basis are the police able to take a mobile phone?
To check whether it wa actually live and in use at the time of the accident

Mr2Mike

20,143 posts

255 months

Friday 8th September 2017
quotequote all
C70R said:
Your deliberate obtuseness is not helping the conversation. To clarify something, can I please have your opinion on two scenarios, and you can tell me which is more dangerous (from the perspective of braking efficiency/power):
Scenario 1: E46 318i with four occupants (4x 75kg) and 30kg of luggage. Total weight: 1690kg (1360kg + 330kg)
Scenario 2: E46 318i with E46 330i engine: Total weight: 1505kg (stated weight of 330i)

If 318i brakes are specified to deal with Scenario 1 within their tolerances, they are fine to deal with Scenario 2.
Can I have your opinion on the following, rather more realistic scenarios:

Scenario 1: E46 318i driven hard, max acceleration followed by hard braking into bends
Scenario 1: E46 330i but with 318i brakes, driven hard, max acceleration followed by hard braking into bends

Do you think both cars will continue to perform exactly the same under braking?

Do you think the kind of person that fits an engine with ~double the power will never use that power?

Do you think manufacturers are wasting their money by fitting larger brakes on higher performance models?

Mark-C

5,092 posts

205 months

Friday 8th September 2017
quotequote all
Please god, no more discussion about brake sizing sleep

cmaguire

3,589 posts

109 months

Friday 8th September 2017
quotequote all
Mark-C said:
Please god, no more discussion about brake sizing sleep
If only, but who can resist an opportunity to score points on the internet?

corozin

2,680 posts

271 months

Friday 8th September 2017
quotequote all
Aside from the already discussed issue that the insurance is invalidated and the police are likely to charge him with no insurance, I should also point out that there is a very real chance that he will be reported to VOSA who may also take action over the failure to advise them of this rather significant piece of modification.

Your friend's situation may just be about to get a whole lot worse. The only consolation is that having already been fked by both his insurance company, any third party lawyers and the Police, his backside will probably hardly notice a further rogering from the people at VOSA.

anonymous-user

54 months

Friday 8th September 2017
quotequote all
corozin said:
Aside from the already discussed issue that the insurance is invalidated and the police are likely to charge him with no insurance, I should also point out that there is a very real chance that he will be reported to VOSA who may also take action over the failure to advise them of this rather significant piece of modification.

Your friend's situation may just be about to get a whole lot worse. The only consolation is that having already been fked by both his insurance company, any third party lawyers and the Police, his backside will probably hardly notice a further rogering from the people at VOSA.
What would VOSA(it is the DVSA now) really care about an engine swap besides tax issue. The model of car has the engine so not really a 'significant piece of modification'.?

catso

14,787 posts

267 months

Friday 8th September 2017
quotequote all
TVRnutcase said:
Sea Demon said:
The biggest thread I've ever started laugh

In response to the many brakes post, the larger brakes from the donor 330 were fitted & he had good tyres fitted.
You could have said that at the very start - and it would have saved a couple of pages of inane discussion on physics, weights and sizes of brakes.....
I really can't imagine the insurance company would be bothered at how 'professionally' the conversion was done, rather that they were not told about it.

As said a different but similar looking engine may get missed but you'd think they'd spot the 6 cylinder...

dacouch

1,172 posts

129 months

Friday 8th September 2017
quotequote all
Lazadude said:
Going by my previous experience, when I was in an induced coma and in hospital post accident, the insurance company wouldn't even talk to my wife.

They insisted to talk to me no matter what they were told.

If hes hurt himself enough to be kept in an induced coma, then its not just the third party cover that's going to hurt him, his lack of cover for injury etc.
Admiral always used to speak to named drivers on their policy, I assume they still do

Some Gump

12,691 posts

186 months

Friday 8th September 2017
quotequote all
What the fk is up with the brake fetishists?
Cheap st tyres vs proper tyres. Pressures wrong by 7psi. Cack pads vs good ones. Fluid replaced recently vs 5 years ago. Correct geo vs all over the shop. Where does it end? Oh yeah - with a circular wk where 3-4 people try to win an internet fight based on nothing but speculation and deliberately obtuse arguments.

Got to love sp+l.

SantaBarbara

3,244 posts

108 months

Saturday 9th September 2017
quotequote all
corozin said:
Aside from the already discussed issue that the insurance is invalidated and the police are likely to charge him with no insurance, I should also point out that there is a very real chance that he will be reported to VOSA who may also take action over the failure to advise them of this rather significant piece of modification.

Your friend's situation may just be about to get a whole lot worse. The only consolation is that having already been fked by both his insurance company, any third party lawyers and the Police, his backside will probably hardly notice a further rogering from the people at VOSA.
Why do you need to advise VOSA What's that all about?

silentbrown

8,839 posts

116 months

Saturday 9th September 2017
quotequote all
SantaBarbara said:
corozin said:
Aside from the already discussed issue that the insurance is invalidated and the police are likely to charge him with no insurance, I should also point out that there is a very real chance that he will be reported to VOSA who may also take action over the failure to advise them of this rather significant piece of modification.

Your friend's situation may just be about to get a whole lot worse. The only consolation is that having already been fked by both his insurance company, any third party lawyers and the Police, his backside will probably hardly notice a further rogering from the people at VOSA.
Why do you need to advise VOSA What's that all about?
Tricky, as VOSA hasn't existed since 2014...

But you'd certainly need to notify DVLA of the engine change.
https://www.gov.uk/change-vehicle-details-registra...

...but of course, if that had been done, the bigger engine would have shown up to the insurance company.

cmaguire

3,589 posts

109 months

Saturday 9th September 2017
quotequote all
SantaBarbara said:
corozin said:
Aside from the already discussed issue that the insurance is invalidated and the police are likely to charge him with no insurance, I should also point out that there is a very real chance that he will be reported to VOSA who may also take action over the failure to advise them of this rather significant piece of modification.

Your friend's situation may just be about to get a whole lot worse. The only consolation is that having already been fked by both his insurance company, any third party lawyers and the Police, his backside will probably hardly notice a further rogering from the people at VOSA.
Why do you need to advise VOSA What's that all about?
He's also in an induced coma, so dying or being a vegetable is probably the only way his situation will get a whole lot worse.
He's unlikely to be aware if anyone is rodgering him up the arse or probably care either.



DaveCWK

1,990 posts

174 months

Saturday 9th September 2017
quotequote all
It's just as likely that the insurer will just ask for the additional premium which they would have originally charged to cover the undeclared modification, assuming engine swaps are in their drop-down box list as a generic modification that they cover.

SantaBarbara

3,244 posts

108 months

Saturday 9th September 2017
quotequote all
Sea Demon said:
Friend of mine is in hospital at the moment following a big crash that he was involved in a few days ago, he hadn't told his insurance about his engine conversion & the police took the car away etc - from what I gather, the accident was his fault.

What's the likely outcome going to be for him apart from probably having a limp?

Before anyone says it, yes it really is a friend that had the crash and not me as Im not as stupid as him laugh

Edited by Sea Demon on Thursday 7th September 12:16
Has the incident been reported in the local press?

Jaybmw

315 posts

81 months

Saturday 9th September 2017
quotequote all
Was his diff open or welded ? Or have I opened a barrel of worms on that also 😂 in any case no matter what I hope your mate pulls through

IJB1959

2,139 posts

86 months

Monday 11th September 2017
quotequote all
I would suspect that there are 1000's of drivers out there with undeclared insurance notifiable modifications which would void any potential claim such as new wheels, tuning boxes, ECU remaps etc.....but swapping a 1.8 for a 3.0lt and not doing so is utter stupidity.

hijimhere

6 posts

87 months

Monday 11th September 2017
quotequote all
Its a surprise to hear your friend was injured in the smash which was probably his fault. He could be done for all manner of driving related matters - the worst being causing death by dangerous driving. Let this be a lesson, if its a write off the insurers will send an inspector. Guess what the inspector will do first, check for any modifications. Yes they do and thats as far as the inspection will go before his insurers declare his policy is void and was when the 3ltr was installed. No insurance is an automatic disqualification. He may find that after the disqualification he is uninsurable. Insurers take a dim view of the stupidity (fun) of sticking a 3ltr engine in a vehicle suited to a 1.8 ltr. Fine he rolled the dice, without a thought for other road users, Dangerous driving also carries a prison term - so your good friend will have time to think about what he did. I don't know of any normal insurer who would cover on the road a 3 ltr modification.

SantaBarbara

3,244 posts

108 months

Monday 11th September 2017
quotequote all
hijimhere said:
Its a surprise to hear your friend was injured in the smash which was probably his fault. He could be done for all manner of driving related matters - the worst being causing death by dangerous driving. Let this be a lesson, if its a write off the insurers will send an inspector. Guess what the inspector will do first, check for any modifications. Yes they do and thats as far as the inspection will go before his insurers declare his policy is void and was when the 3ltr was installed. No insurance is an automatic disqualification. He may find that after the disqualification he is uninsurable. Insurers take a dim view of the stupidity (fun) of sticking a 3ltr engine in a vehicle suited to a 1.8 ltr. Fine he rolled the dice, without a thought for other road users, Dangerous driving also carries a prison term - so your good friend will have time to think about what he did. I don't know of any normal insurer who would cover on the road a 3 ltr modification.
The assessor should also examine the condition of the tyres