Section : General

What will the insurance company say about my new engine

Posted By : Chris Dickinson, 18-Jul-2007, 07:15pm

• What will the insurance company say about my new engine

  Posted By : Hugh Glossop, 18-Jul-2007, 11:08pm

  if its footman james, probably very little
  
  Hugh
  

• What will the insurance company say about my new engine

  Posted By : Chris Taylor, 19-Jul-2007, 00:07am

  There can ONLY be one answer to this: tell them the complete truth. Anything else leaves you exposed to the risk of finding yourself not insured when you most need it. As increased performance is to be expected from a 2 litre engine, and it's non standard, you can expect an increased premium, and they may need an engineer's inspection to prove the conversion has been done competently.

  • What will the insurance company say about my new engine

    Posted By : Mike Crewes, 19-Jul-2007, 07:58am

    Chris
    
    Any changes to your car and/or personal circumstances that might effect your insurance MUST be communicated to your insurer. If you do not, not only do you risk being uninsured at the crucial time you need it, you could also commit an offence under the Fraud Act 2006 (see forthcoming Cop Shop article).
    
    Quite simply, you have a legal duty to tell your insurer of any changes that might effect your cover. Footman James are usually very simpathetic to vehicle mods (ring them for a quote first).
    
    Regards
    Mike

    • What will the insurance company say about my new engine

      Posted By : Hugh Glossop, 19-Jul-2007, 09:03am

      completely agree you have to notify the insurance company, but my experience with tr7s is that the insurance increase from 2ltr to rover v8 is fairly small and ive never been asked for an engineers report they have always been quite happy.
      
      If youare worried get them to quote before you do the conversion you can then decide which way you want to go!.
      
      93-105 bhp isnt a huge increase!
      
      
      hugh
      

      • What will the insurance company say about my new engine

        Posted By : Colin Wake, 19-Jul-2007, 12:41pm

        They will probably class it as a sprint.
        
        Capacity is more important it seems.
        
        Cheers
        
        Colin

        • What will the insurance company say about my new engine

          Posted By : Mark Astley, 19-Jul-2007, 02:44pm

          With FJ, there is a modified vehicle report form to fill in and send off listing what you've changed or had done.
          
          My MkIV Spit went to 1300 fast road engine, O/D, 4 branch and twin exhaust, lowered uprated suspension, 62bhp up to around 90, plus other bits and bobs and the premium went up maybe £10.
          No pictures and no inspection needed.
          
          Lots of people should probably have done these but probably haven't.
          
          Yours
          Mark

          • What will the insurance company say about my new engine

            Posted By : Chris Dickinson, 19-Jul-2007, 06:20pm

            Thanks everyone for your advice. I will certainly tell them of the modifications. I am insured with FJ so hopefully my current insurance of £106 per year should not go up too much.
            THanks
            
            Chris

            • What will the insurance company say about my new engine

              Posted By : Clive Senior, 19-Jul-2007, 08:30pm

              At a guess about 25% seems to be the figure for modded cars! Strangely if you have a second modded one it is added at the same rate as a std one (at least with mine!)
              
              Clive