24 replies to this topic

[Sean Egan]

as the title says will a stage one kit make the insurance rise alot?]

[conlad]

Just dont tell them... Say you bought it like that haha

Nahhh honestly though... My quote didnt go up because of it (from what I know)

[Sean Egan]

hahahaha thanks

[Bungle]

it is likely to if using a main stream insure if you use a specialist insurer it might not

[AVV IT]

It depends on your insurer, as the methods insurers use to calculate any increases in premiums for modifications can vary. Many of them use the formula of a directly proportional increase in premium, to reflect any increase in BHP. So if you're insurer uses that method, then you could be looking at a 20% hike in your premium for a stage 1 kit, (as stage1 kit manufacturers claim an increase in power of up to 20%) and I should imagine that could add up to being a fairly big lump of cash, if you happen to be a young driver.

Edited by AVV IT, 08 January 2013 - 09:53 PM.

[cal844]

I fitted one after i was insured and told the ins company that id fitted it, they didn't take any more money.(£2100 for 2 years fully comp for a 89 998cc mini. i was 18 at the time, had been passed my test by two months. I didn't drive the car on the roads until i was insured..)

[Tahiti Joe]

Ring them and ask!

As unhelpful as this may seem, there really is no straight answer when it comes to insurance! It may make a massive difference to some people, and almost nowt for others. Ring and ask buddy, it'll probably take you 10 minutes top... Quicker than waiting around for us lot to answer you!

[Chappb]

i have declared a stage 1 kit on my SPi, i was 17 at that time as well and it didn't alter the premium whatsoever mate, im insured with adrian flux, they always seem to be the cheapest on comparison sites, maybe because they specialise in classic cars and modified cars...

[jonny f]

Ring them and ask!

As unhelpful as this may seem, there really is no straight answer when it comes to insurance! It may make a massive difference to some people, and almost nowt for others. Ring and ask buddy, it'll probably take you 10 minutes top... Quicker than waiting around for us lot to answer you!

What he said.

To many variations come into it to ask really.

[Jayme 1275]

to be honest mate i wouldnt bother telling it for such a minor difference and even if you (god forbid) bin it, im sure most assessors wouldnt pic it up as it just an exhaust and air filter.

[SA MINI]

I'm with performance direct & they basically said there not fussed unless I have a vtec engine conversion or rollcage

[Bungle]

to be honest mate i wouldnt bother telling it for such a minor difference and even if you (god forbid) bin it, im sure most assessors wouldnt pic it up as it just an exhaust and air filter.

pop the bonnet and a quick look down the back and the first thing you spot is a non standard tubular manifold, followed by a peek round the back to confirm the pea shooter tail pipe is missing

even my gran would spot that

[the.stroker]

to be honest mate i wouldnt bother telling it for such a minor difference and even if you (god forbid) bin it, im sure most assessors wouldnt pic it up as it just an exhaust and air filter.

Some bad advice here.The difference between an LCB and a standard manifold are blatant.Yes there is a possibility it may be missed but is it really worth the risk.Insurance companies look at any and every exuse to evade paying out,dont help them.Always declare any modifications. If your unsure about anything dont take the risk and ask your insurer prior to buying/fitting anything if there will be any changes.

[the.stroker]

to be honest mate i wouldnt bother telling it for such a minor difference and even if you (god forbid) bin it, im sure most assessors wouldnt pic it up as it just an exhaust and air filter.

pop the bonnet and a quick look down the back and the first thing you spot is a non standard tubular manifold, followed by a peek round the back to confirm the pea shooter tail pipe is missing

even my gran would spot that

Geoff has beat me to it!!

[AVV IT]

to be honest mate i wouldnt bother telling it for such a minor difference and even if you (god forbid) bin it, im sure most assessors wouldnt pic it up as it just an exhaust and air filter.

Let's be clear on one thing, insurance assessors are not stupid!

Plus part of their role is to reduce the amount the insurer pays out, so if they can find any justifiable reason to declare a claim as invalid through undeclared performance modifications or any other cause, then they will. Also as a young driver you usually have to pay out many thousands in insurance premiums each year. Now that's an awful lot of money to pay out for insurance that ends up being invalid and not actually worth having in the event of a claim.

Edited by AVV IT, 14 January 2013 - 10:34 PM.