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Jul 24, 2006 18:43:27 GMT
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i know this is linked to my other thread but i thought it needed its own one.
how do i declare the new carb to my insurer? i remember someone told me it was a recognised part or something. recognised by who? does it even need declaring at all?
in short: how do i go about declaring it?
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Jul 24, 2006 19:00:33 GMT
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don't AFAIK.
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Jul 24, 2006 19:41:06 GMT
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^^^ what mr guz said. you don't need to inform anyone.
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Jul 24, 2006 19:48:27 GMT
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score.
so its all good and considered "standard" in the event of a claim?
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Jul 24, 2006 20:46:53 GMT
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yeah it'll be considered an alternative part, same as fitting pattern panels or non-OEM exhaust. There's no real performance benefit so they won't really care. Trying to pass off a Eaton supercharger as an 'alternative' to your standard airbox won't cut it though
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Never trust a man Who names himself Trevor. Or one day you might find He's not a real drug dealer.
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Jul 24, 2006 20:56:09 GMT
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nahhh
it wear out you replace it
not a worry
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2001 HONDA CT110 (NOT RCV)
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Jul 24, 2006 20:58:42 GMT
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guess thats why skoda peeps are so happy the 'standard' replacement weber is about twice the size...
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Jul 24, 2006 20:59:21 GMT
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cheers all. happy to hear it wont put my insurance up any more than the extortionate (sp?) amount it is now.
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Jul 24, 2006 21:21:44 GMT
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what about moving to a 12 inch steering wheel, I told the guy at insurance i was gonna, but its down as a standard car, would i get done if i had an accident with it, undeclared Similarly the fancy wheels on the sapph, i think i'll have to tell em about them, makes it 100x more stealable IMO!
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Jul 24, 2006 22:58:11 GMT
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Isnt it just worth telling them anyway? Insurers will do anything to wriggle out of a claim,i cant see any harm in informing them of it. If they decide that its A OK then fine, if not, well they will be aware and wont be able to wriggle out of paying out if the worst happens. For the sake of them not paying out if your car is damaged/totalled, its got to be worth a phone call?
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If Typhoo put the Tea in Britain who put the c**t in Scunthorpe?
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Stu
Posted a lot
Posts: 2,913
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I declared the non standard carb(s) on my Mk1 Golf, they weren't exactly a direct replacement though as there are two and they are huge (twin 40's) so thought I better had. I also declared the alloys, no problem at all, that's on a classic policy with Lancaster insurance.
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'89 BMW E30 325i Sport, '04 MINI Cooper S, '09 Volvo V70 D5
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Cool, i'm with Lancaster for the Sapph, there might just be an admin charge, will give em a call...
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Carb's no problem! what about moving to a 12 inch steering wheel, I told the guy at insurance i was gonna, but its down as a standard car, would i get done if i had an accident with it, undeclared Similarly the fancy wheels on the sapph, i think i'll have to tell em about them, makes it 100x more stealable IMO! I'm on an Admiral Multi-car policy now, and my 15" wheels, Janspeed manifold & Ashley exhaust made NO difference to the premium. They won't cover anything over 25 years old though which is spoiling my "green Ital" / "bronze Starlet" plan!
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My fleet: Suzuki GSX-R600Y SRAD with bald, melted tyres A borrowed Mondeo
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With one of my vehicles insurers I had it explained to me that if you do ‘cosmetic’ changes (wheels, seats, spoilers, etc.) to tell them. If you do not and your car is involved in an accident they will only repair it back to ‘standard’ condition and not replace any add on items you bought for it. Example: Hence an aftermarket (and slightly oversize) set of £700 alloy wheels and lower profile tyres cost me an additional £5 a year on the policy, which I think is a fair price to cover.
However if the ‘add on’ part is from the same manufacturer, e.g. You own a VW Golf and fit optional alloy wheels originally bought through a V.A.G dealership then they do not charge additional cost as item is considered ‘manufacturer approved’.
Although still best to inform them.
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Jul 25, 2006 10:38:47 GMT
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when i finally bit the bullet and told my insurer that my samba was no longer stock 56bhp 1600 and had put in a 110bhp 1776 there was no problem. not even an increase. when i later told them that i'd dropped the 1776 for a 200+bhp 2332 with EFI they didn't bat an eyelid and my premium increased by £65 a year. they asked me to upgrade brakes (already done but forgot to tell them)... bargain. i phoned up and tried to sound stupid said a local VW garage suggested the 'standard upgrade' to make the car safer for modern motorway driving. 'oh, the fuel injection, well it's a DTA setup, appparently it makes the engine very economical....' honest
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Jul 25, 2006 10:40:46 GMT
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oh, just forgot, i never told them about the 6 point roll cage i put in it, apparently they don't like them and i never got round to telling them. i'll be putting a full cage in the new wedge soonish.... anyone had experience of telling insurers about roll cages ?
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Jul 25, 2006 10:56:54 GMT
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Its been mentioned on here that roll cages give the impression its built for motorport or its gonna be driven mad on the road, plus TWOCers will wanna take it for a spin! never insured owt with a cage myself though - yet!
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Jul 25, 2006 11:05:14 GMT
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depends on the insurer.... some, like HIC (spit) have two levels - standard speed and fast. anything styling or structural doesn't cost any extra, so a rollcage will be fine. then once you bolt on the twin tubros you're into 'fast' which costs a few quid more, but then any more engine mods and you won't pay extra (but still need to declare).
other insurers, more into their everyday roadcars, will have a heart attack with the phrase "i've just fitted a roll cage". quite why i don't know as it lessens the risk of you claiming for broken necks, brain damage etc but i suppose they think you're a lunatic that needs one for the weekly asda trip.
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Never trust a man Who names himself Trevor. Or one day you might find He's not a real drug dealer.
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Jul 25, 2006 11:31:13 GMT
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Technically *any* change from standard spec can invalidate your insurance. That means they can decline to pay out in the event of an accident, and if someone presses a personal injury claim as a result you could be paying throusands out of your own pocket. Then you can be done for driving with no insurance and see how that effects your premium...
A lad on another forum got his insurance voided following an accident when they discovered he had Green stuff brake pads. Non-standard, not declared, good night vienna. That was the only modification as well.
Eagle Star Direct famously got in the headlines when the refused a claim on a car because it had stickers on it! Non OE after all...
A mate's humber had its insurance revoked because of some small hand painted graphics on it.
Thats on the black side.
Many insurers don't give a monkeys so long as you declare it. Many of them don't really know what you're talking about. If I say I've swapped from a .494" lift cam to a .509" cam with double springs do they really expect to make a value judgement on the change in road risk? Nope, so they just say "carry on sir".
The thing is to find an insurer who's happy about insuring modifications and has the right attitude. Some will just decline any mods at all.
As for OE mods, a lad I know has an Astra LX or something, brand new one. It has dealer fitted optional alloys as part of an incentive package when he bought the car, and this increased the insurance when declared!
Whats stock and whats not? Well I wrote about a page of A4 on my Buick last time I had to fill in the form as it states "modifications, non-original or non-authentic features should be listed here as well as any restoration of the vehicle" Hell I even put radial tyres down as a modification.
roll cages and nitrous are the two things which cause most insuarnace problems.
roll cages, well, I've given a list of about 10 reasons in another thread a while ago but they are concerned about the fitting of them, the fitness for purpose, the increased likely hood of injury to you or your passengers or structural transferrence if its badly designed or fitted causing more damage to the car. Then theres the "why do you need one in a road car anyway" question.
Apparently the AA can refuse to fix or tow your car if it has a cage as "comptetition cars" are excluded from AA cover as well.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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Nick
Posted a lot
Posts: 2,483
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Jul 25, 2006 12:20:00 GMT
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declare everything or nothing at all, if you don't declare everything in my view the insurers will wangle out of paying out, so you might aswell not declare anything at all. but its your responsibility to be insured.
saying that a friend of mine got shunted in traffic from behind in his e28 ages back, when they came to evaluate it he had a side exit exhaust and the insurance bloke didnt even bat an eye lid, not to mention he had uprated suspension and stuff on aswell.
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idea stolen from rattely eddie.
this weeks car count "5"
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