Buying a car with an engine conversion - insurance

[Emubiker]

I am currently considering buying a car with a different engine in the car than original. If the dvla know about the conversion and the car is logged as now having this new engine. It also appears on the insurers info as having a different engine...Do I still need to state that the car has had an engine conversion?
Or is this for when the car has a differnet engine to what it is currently registered as having?

Thanks for your help in advance, and I oppologise for any speeling or non-sense making explanations.

[JB!]

if its like-for-like i'd only change engine number on v5 and insure as normal.

if its a 2.0 16v where there once was a 1.3 8v, i'd change V5 and tell my insurer.

[Jez200]

Yes. Insurance company needs to know it is a different engine. Definitely.

[ZOLLAR]

Even if its a like for like engine swap still tell the insurer.

[ZOLLAR]

Sorry iphone double post

Edited by ZOLLAR on Monday 23 August 11:22

[JB!]

ZOLLAR said:

Even if its a like for like engine swap still tell the insurer.

why?

you dont declare engine number to your insurers? merely capacity, fuelling and spec.

[KrazyIvan]

I thought for any engine swap you need a qulified engineers report on the work done, for your insurance!

[Justayellowbadge]

JB! said:

ZOLLAR said:

Even if its a like for like engine swap still tell the insurer.

why?

you dont declare engine number to your insurers? merely capacity, fuelling and spec.

You also declare it is standard and unmodified.

[balls-out]

If in doubt - always tell the insruance company - its your legal obligation and therefore if you don't, you pay that premium but not be insured.

I expect you will have to use a specialist insurance company. The mainstream (elephant, more than, direct line etc), will not touch you.

Basically a load of hassel, so unless its a modification that you are determined to have...

Edited by balls-out on Monday 23 August 12:03

[ZOLLAR]

balls-out said:

If in doubt - always tell the insruance company - its your legal obligation and therefore if you don't, you pay that premium but not be insured.

I expect you will have to use a specialist insurance company. The mainstream (elephant, more than, direct line etc), will not touch you.

Basically a load of hassel, so unless its a modification that you are determined to have...

Edited by balls-out on Monday 23 August 12:03

Elephant will quote but only if its an engine swap thats like for like if its anything different your right they wont cover.

[T84]

Do you tell them when you replace your airfilter with standard? or change your oil? Surely replacing a blown engine like-for-like counts as maintainance?

[Deluded]

If the engine is different to the one that it came from the factory, regardless if declared on the v5 or not, you need to tell your insurance co.

If the engine has been replace but is the same then the engine no on the V5 needs to be updated but insurance wont need to know.

Thats like saying you need to tell your insurance that you have had the brake pads changed.

[JB!]

Deluded said:

If the engine is different to the one that it came from the factory, regardless if declared on the v5 or not, you need to tell your insurance co.

If the engine has been replace but is the same then the engine no on the V5 needs to be updated but insurance wont need to know.

Thats like saying you need to tell your insurance that you have had the brake pads changed.

exactly.

If I have a MK3 Golf 2.8 VR6, blow the engine, and replace it like-for-like with another 2.8 VR6, what do they care, it's STILL a 2.8 VR!

IF however I replace the blown engine with a 2.9 VR lump, then that is a deviation from standard, or if I switch from a dizzy engine to a coil pack one, then I'd declare it, as it is no longer standard.

[busta]

Yes you have to tell them, and if it's anything even slightly fruity they'll stick a couple of 0s on the end of your premium price! Going from a 1.3 to a 1.6 doubled my insurance.

[Emubiker]

Thanks all, much appreciated.