Insurance charges for change of exhaust!
Discussion
I just want to have a whinge really.
Just called Admiral to let them know I am having a Dansk Sports silencers fitted to my 996, more as a courtesy than anything else and they hit me with a £33 charge. It isn't the money so much as the fact that these silencers aren't going to improve performance. In fact Admiral didn't even ask about any possible BHP increase. I tried to explain that Dansk are the OE for the Porsche silencers but that was a waste of time.
When I had X pipes fitted to my 928 the insurance company, can't remember which one but through Adrian Flux, just made a note but no charge.
Whinge over.
Just called Admiral to let them know I am having a Dansk Sports silencers fitted to my 996, more as a courtesy than anything else and they hit me with a £33 charge. It isn't the money so much as the fact that these silencers aren't going to improve performance. In fact Admiral didn't even ask about any possible BHP increase. I tried to explain that Dansk are the OE for the Porsche silencers but that was a waste of time.
When I had X pipes fitted to my 928 the insurance company, can't remember which one but through Adrian Flux, just made a note but no charge.
Whinge over.
spareparts said:
£33 sounds like an admin charge for any change, as opposed to a premium loading?
I think you're probably right, maybe I should have just kept quiet.The change is because one silencer is pretty badly corroded but not blowing plus I fancied a little more noise than the standard ones give.
When I owned a 350Z and wanted to do some non-performance enhancing mods, my insurer at the time (L&V) wanted to charge me £50 for each modification and this was irrespective of whether I did them independantly or at the same time. I'm now with Pace Ward who only require that you notify them of any non-performance enhancing mods but don't charge for the privilege.
So, I ask the question ....... If I change the exhaust on my car am I under obligation to tell my insurance company ??
For every car I've owned in the last 30 years I have never done it and never thought of doing it.
Is an insurance company any more likely to try and wriggle out of a claim if you have a Porsche with Dansk silencers fitted any more than a claim involving a Mondeo with a Quick Fit exhaust fitted ??
Both non standard items.
Grey area.
For every car I've owned in the last 30 years I have never done it and never thought of doing it.
Is an insurance company any more likely to try and wriggle out of a claim if you have a Porsche with Dansk silencers fitted any more than a claim involving a Mondeo with a Quick Fit exhaust fitted ??
Both non standard items.
Grey area.
Biggriff said:
Sounds like an admin charge, not a loading
+1 - I'm with Admiral on a multi-car and when I asked for my milege limit to be increased, they waived the admin fee as it's only an advisory anyway (!)All the same, the admin fee would have been about £30 odd, just to issue a new certificate and schedule.
Waitforme said:
So, I ask the question ....... If I change the exhaust on my car am I under obligation to tell my insurance company ??
For every car I've owned in the last 30 years I have never done it and never thought of doing it.
.
As always, check the policy wording, but yes, in the main, you are obliged to mention to your insurers about any modifications that you may have had carried out on your car.For every car I've owned in the last 30 years I have never done it and never thought of doing it.
.
My car has had a couple of alterations, nothing earth shattering and my insurers made a note but there was no premium penalty, nor indeed any admin. charge.
£33.00 to me sounds like a premium load not an admin. charge, worth considering the percentage of the annual premium and the amount of time left on the policy term. As if it's £33.00 for 4 months left as an example, you can expect a £99.00 charge for 12 months.
Big thread on this with a lot of nonsense in GG.
Any modifications at all you are supposed to inform your insurer. Whether they add a loading or charge an admin fee is up to them.
But you should let them know if you change anything from the way the car left the factory.
In the case of louder headers, well that could be seen as making it more attractive to thieves who don't want to just steal the Porsche, they want to steal the Porsche with the fruity sounding exhaust that must be worth a bit extra.
Any modifications at all you are supposed to inform your insurer. Whether they add a loading or charge an admin fee is up to them.
But you should let them know if you change anything from the way the car left the factory.
In the case of louder headers, well that could be seen as making it more attractive to thieves who don't want to just steal the Porsche, they want to steal the Porsche with the fruity sounding exhaust that must be worth a bit extra.
OlberJ said:
Big thread on this with a lot of nonsense in GG.
Any modifications at all you are supposed to inform your insurer. Whether they add a loading or charge an admin fee is up to them.
But you should let them know if you change anything from the way the car left the factory.
In the case of louder headers, well that could be seen as making it more attractive to thieves who don't want to just steal the Porsche, they want to steal the Porsche with the fruity sounding exhaust that must be worth a bit extra.
Very well said.. & spot on. Any modifications at all you are supposed to inform your insurer. Whether they add a loading or charge an admin fee is up to them.
But you should let them know if you change anything from the way the car left the factory.
In the case of louder headers, well that could be seen as making it more attractive to thieves who don't want to just steal the Porsche, they want to steal the Porsche with the fruity sounding exhaust that must be worth a bit extra.
hopeydaze said:
Following this logic we need to tell the insurer every time we change tyres:
1 especially if we change brand of tyre, even assuming they are both correctly rated for your car by Porsche
2 new tyres will have more tread and will therefore be more appealing to car thieves
Don't polish your cars any more, the thieves love a shiny car1 especially if we change brand of tyre, even assuming they are both correctly rated for your car by Porsche
2 new tyres will have more tread and will therefore be more appealing to car thieves
jhfozzy said:
Bingo - Makes the car more desirable, it's not all about more horsepower, it's also about how nickable it is.
In this case that is nonsense. A dansk exhaust will not affect the stealability of the car.If it's not just an admin fee, it's more likely to be just to do with the fact that it's a mod and owners who do such mods are higher risk.
Bert
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