Crash - Insurance Unaware Of Engine Swap - Consequences

[IJB1959]

DomesticM said:

TooMany2cvs said:

The non-stupid move would be to check that out before modifying the car to something that isn't insurable at a price you want to pay. Not to modify anyway, then waste £900 on a useless-when-needed insurance policy simply to get the MID tag against the plate.

It's the same with every other car. I can't modify any without paying an obscene amount of money that nobody in their right mind would pay. I've got some nice new brakes ready to go on but it will increase my insurance by £450 a year - why? No idea.

Maybe I was lucky then.....I changed my wheels on a Audi S5 from 19 x 8 to 20 x 10 and the extra was £14.00 a year.

[silentbrown]

IJB1959 said:

Maybe I was lucky then.....I changed my wheels on a Audi S5 from 19 x 8 to 20 x 10 and the extra was £14.00 a year.

I suspect you're not under 20, and wheels are largely a cosmetic exercise!

[IJB1959]

silentbrown said:

IJB1959 said:

Maybe I was lucky then.....I changed my wheels on a Audi S5 from 19 x 8 to 20 x 10 and the extra was £14.00 a year.

I suspect you're not under 20, and wheels are largely a cosmetic exercise!

Correct, but the wheels are 1" bigger and 2" wider, not that should make much difference to them though, rather just an opportunity to cash in on them because I was obliged to inform them in the policy conditions.

[silentbrown]

IJB1959 said:

Correct, but the wheels are 1" bigger and 2" wider, not that should make much difference to them though, rather just an opportunity to cash in on them because I was obliged to inform them in the policy conditions.

Still largely cosmetic, though. Tyre width makes the difference in grip, and IIRC you went from 255 to 265? so it's only marginally increased. (standard wheels are 8.5", not 8", BTW.)

Stiffer sidewall does changes the handling slightly, but weight is likely a more important factor. Did you happen to weigh the OEM wheel tyre vs the TSWs?

[Helicopter123]

DomesticM said:

Ekona said:

It worries me that people this stupid genuinely still exist in the world. I just can't fathom why you'd go to all that cost of carrying out the swap and then not bother insuring your investment, ignoring the legal aspect of it for a second.

Because the insurance is stupid. I changed my wheels, headlights and exhaust and my insurance went from £900 a year to £3,000. We're not stupid, we're just sick of insurance being ridiculous.

'Halfords Tax' applied to cars deemed to have been barried up?

[IJB1959]

silentbrown said:

Still largely cosmetic, though. Tyre width makes the difference in grip, and IIRC you went from 255 to 265? so it's only marginally increased. (standard wheels are 8.5", not 8", BTW.)

Stiffer sidewall does changes the handling slightly, but weight is likely a more important factor. Did you happen to weigh the OEM wheel tyre vs the TSWs?

The TSW's are much lighter, but by just how much I don't know.