Insurance and changing the exhaust?

[leaf blower]

Just called my insurers and told them I was changing the rear muffler section from a to a non standard section, they asked if it made the engine more powerful, I said no, because I really dont think it does, they said that it would just be classed as as a maintenance mod and will make no difference on the policy

Think I would rather have paid just some sort of fee just for piece of mind.

Anyone have any comments or have been down this road before, I would hate to think I was not covered if anything happened.

[thinfourth2]

Well send me £25 and i shall tell you it is fine

[BMWBen]

thinfourth2 said:

Well send me £25 and i shall tell you it is fine

Send me £50 and I'll WRITE to you to tell you it's fine. Beat that eh!

[hornetrider]

Joking aside, I understand your concerns. When I was looking at cars to buy some had aftermarket exhausts and some did not. On speaking to potential insurers one asked not only if they were performance enhancing - but by how much of a percentage did they increase engine output by(!)

How on earth are you supposed to know that? Are we talking about DL?

[Decky_Q]

My friend is an insurance broker and when he was sorting out my insurance he said that although the SS exhaust I had on the car probably didnt make any difference at all, I had to make sure that it was recorded on the policy because it was sold as a performace enhancing exhaust.

Was yours a direct replacement or was it sold as a performance enhancing exhaust?

[leaf blower]

I purchased the exhausts second hand, they replace the last muffler and is a straight through section of pipe, just makes the car sound a lot better, sure it feels that the car is slower to be honest

[saaby93]

Since they already want to know if you fit a non-standard air filter, I'm not surprised they'd want to know if you fit a non-standard exhaust.
Whether it's a cheapo or a stainless it's still non standard.
Crazy world

[snotrag]

You have done everything you can reasonably be expected to do - so I dont think you have much to worry about.

[Blown2CV]

most insurers hopefully would not be bothered as it is a non performance related mod - AF are ok with mine

[leaf blower]

I am trying to find out from previous tail pipe owner what make and where he got them from, and will email ins company of what they are, at least then I have it in writing, but like most of you have said, I have told them.

[hyperblue]

Just try and get it in writing from them that they know about the exhaust and that you are insured with it fitted. Stops them trying to void your insurance if the worst happens.

[Chris944_S2]

Blown2CV said:

most insurers hopefully would not be bothered as it is a non performance related mod - AF are ok with mine

AF seem to be rather good for that, when I told them I was removing my centre box, the policy went down by £7

[mattmoxon]

I recently had a braided brake hose kit fitted to my car along with using DOT 5.1 brake fluid (Stock US stuff is DOT 3) I of course rang my insurance company they basically said "thanks for telling us" not even an admin fee. I made a note of the time and date of the phone call just encase any slip ups were made on their end.

Matt.

[saaby93]

mattmoxon said:

DOT 5.1 brake fluid (Stock US stuff is DOT 3)

Is synthetic oil a modification too?

[mattmoxon]

saaby93 said:

mattmoxon said:

DOT 5.1 brake fluid (Stock US stuff is DOT 3)

Is synthetic oil a modification too?

Nah fluids fluid otherwise you'd have to tell them you were using super unleaded rather than regular stuff.

Matt