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Mods And Insurance


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#1 fenghuang

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Posted 27 November 2014 - 04:37 PM

I'm intending to do the following mods.
stage 1 kit
Stage 3 cinder heads
coil spring kit (doughnut replacement)
Adjustable suspension geometry brackets.

Do mods like this usually make a difference to the price to classic car insurance?
(Please don't suggest you don't need to tell the insurer!!!!!!)

#2 sonikk4

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Posted 27 November 2014 - 04:39 PM

In answer to your question yes they will. All of them.

#3 Dan

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Posted 27 November 2014 - 04:40 PM

A stage 1 kit is usually free, for general engine tuning they normally want to judge the increase in risk based on the increase in horsepower as a percentage above standard. Anything adjustable in the suspension that isn't standard scares them.

#4 ShaunaFTW

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Posted 27 November 2014 - 04:41 PM

A stage 1 kit had absolutely no effect on my insurance when I had one, I'm not sure if a head would. Some insurers ask about the bhp some don't so I'd imagine it depends who you go with.

#5 KernowCooper

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Posted 27 November 2014 - 04:44 PM

There is a possibility depending on insurance companies you may be asked for a engineers report they dont like mods to brakes/suspension



#6 Tamworthbay

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Posted 27 November 2014 - 04:59 PM

I had a similar list to yours (no metal springs as I think they ride awful) and adjustable everything on the suspension, alloys wheels, plus a load of interior mods. It didn't cost a penny more. I made sure they were all listed and it was nice to see them with a £0 next to them. The only grey area is the stage three head as this is a marketing term used by the sellers and it means little to insurance companies and they may want a BHP print out from a rolling road session. Mine was an MG large valve head and they were happy with that as its a 'standard' part.

#7 Fossy313

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Posted 27 November 2014 - 05:05 PM

Although I'm in jersey hopefully this helps

I just entered down in my insurance last week

Hi low adjustable suspention with gmax lowered shot

13x7 standard wheels with Yokohama tires

Stage one maniflow straight through decat system with LCB (no mot over here)

K and n air filter

Standard gearbox with x pin diff and changed final drive from 2.76 to 3.2

Keith calver gt spec cylinder head....

That's what I wrote in the modding form and I got a phone call yesturday (bearing in mind the mini is on my wife's insurance and she is under 25) and there was NO CHANGE to my insurance.

#8 Dan

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Posted 27 November 2014 - 05:08 PM

Moved to where it should be!

#9 crackfoo

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Posted 27 November 2014 - 07:25 PM

I'm in Canada and my insurance didn't ask or care about anything other than the year, make, VIN and if it passed safety inspection, which it did. Granted the actual car isn't covered, only damage to other vehicles and personal injury. To cover the car, I need to get an appraisal, but even then I don't think they'd care what was done to it, just how much it would cost to replace it.


Edited by crackfoo, 27 November 2014 - 07:26 PM.


#10 Cooperman

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Posted 28 November 2014 - 12:01 AM

It is likely to be the coil springs which will cause the insurers most worry. They are a complete change from the original design, not an improvement to the existing. Also they are generally not as good as the rubber spring cone suspension unless the car is for racing use only.



#11 Grimshaw17

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Posted 28 November 2014 - 08:04 PM

All depends on the insurance company and your age.. im 19 and mine cost £470 with all mods declared (exhaust, manifolds, suspension, interior and exterior changes) and then a list of said mods sent in with my agreed insurance quote form. Best bet is to phone them up and ask before you buy them, I have a feeling my insurance was a little cheaper as I have had a 2litre insured with them aswell 






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