DB9 Manifold cat delete, is there an insurance impact?

[Neil.LK]

Hi, I was thinking of changing the manifolds in my DB9 to remove the misfire, engine failure risk.
Would this have to be disclosed to my insurance company?
If so has anyone any experience of insurance costs involved?
Thanks

[Neil1300r]

I always declare everything. I've even declared additional factory features.
Makes no difference to premiums in my experience

[LTP]

I'd echo Neil. While the rules on disclosure have changed (in the UK at least), in my experience all insurance companies will look for a reason not to pay. If you've declared "no modifications from factory spec" (or they've or the broker have put it in the proposal forms and you signed it) then you've given them a potential reason. Before you do the mod I'd be inclined to talk to them, explain your reason (reliability, not performance) and gauge their reaction.

Just my $0.02

[IanV12VSRs]

I agree. Let them know what you are doing. When I did my cat delete advised my insurers and it made no difference to the premium.

[anonymous-user]

Neil.LK said:

Hi, I was thinking of changing the manifolds in my DB9 to remove the misfire, engine failure risk.
Would this have to be disclosed to my insurance company?
If so has anyone any experience of insurance costs involved?
Thanks

Unless they removed the manifolds and went looking for the cats they’d never know, but to answer the question, after I had mine done I did tell the insurer and it made no difference to the premium.

[Neil.LK]

Thanks everybody for your comments, very helpful

[leef44]

This is the bit I get confused with.

I thought a cat delete strictly does not pass an MOT which means it is not roadworthy which means insurance company should not cover and so you cannot by vehicle excise duty (road tax or whatever it's called nowadays)

[Neil1300r]

leef44 said:

This is the bit I get confused with.

I thought a cat delete strictly does not pass an MOT which means it is not roadworthy which means insurance company should not cover and so you cannot by vehicle excise duty (road tax or whatever it's called nowadays)

If it passes the emissions test at the time of the MoT it's fine.

[sidewaysste]

Technically no it isn't fine. If a vehicle was fitted with cats at manufacturer then it must have them at time of the MOT, regardless of whether or not it was subject to a CAT test originally.

Of course identifying a missing cat can be quite tricky, especially as the MOT tester is not allowed to remove any undertrays or sheilds.

[leef44]

Thanks for explaining so there is a "loophole"

[crispyj]

Apparently removal off the primary cats will not push the emissions over , if you keep the 600 cell secondary’s.

[gs1]

Would people mind sharing which insurance company’s don’t mind, or increase their prices, when people remove their cats?

Thanks

[anonymous-user]

Aviva - no change to premium

Edited by anonymous-user on Friday 5th June 23:24

[cornershop]

Alan and Thomas have said zero premium impact.