The True Cost Of An After MArket Exhaust

gixxersixxerman

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Nothing to do with the government - Insurance companies are private companies and it is a risk based system. Modified vehicles are more likely to claim or require a claim hence the loading.
That’s interesting.. I pay 8$ more a month to have all my aftermarket parts covered. But... if I never told them they’d never know lol. Usually here in the US most full coverage insurance will cover up to 3-5k of aftermarket parts with no problem. No increase in premium no disclosure to them either. So on that side of the pond, do you have to report it? Are there inspections periodically? If it’s a yearly inspection couldn’t one just swap over the cat back for it? I’m just interested lol





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Toecutter

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I've renewed this week with NFU Mutual for 400 and change. Tried the usual spots when I was going to add stripes and the price went up around 200 notes at least from previous quotes. Rang NFU mutual and it was added to the insurance with no increase whatsoever.
 

hinch

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That’s interesting.. I pay 8$ more a month to have all my aftermarket parts covered. But... if I never told them they’d never know lol. Usually here in the US most full coverage insurance will cover up to 3-5k of aftermarket parts with no problem. No increase in premium no disclosure to them either. So on that side of the pond, do you have to report it? Are there inspections periodically? If it’s a yearly inspection couldn’t one just swap over the cat back for it? I’m just interested lol
no inspections but if you don't declare it they won't pay / replace it they'll only replace oem parts in case of accident damage.
most however flat out refuse to cover mods as they assume that mods = driving like a penis
 

Adam83

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Been working in a Bodyshop 18 years now, (Ford main dealer) never ever seen an insurance company not payout for a vehicle with undeclared modifications. Worst I have seen is customer made to pay an extra £150 on their excess payment due to 2 non standard Wheels needing replacing. And in my time I have only ever seen one insurance claim not pay out and that was for a car with basically racing slicks on the front causing him to hit the back of another car. Bear in mind if you are hit by someone else their insurer has to return your car to pre accident condition, aftermarket parts n all.
 

Gregs24

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Been working in a Bodyshop 18 years now, (Ford main dealer) never ever seen an insurance company not payout for a vehicle with undeclared modifications. Worst I have seen is customer made to pay an extra £150 on their excess payment due to 2 non standard Wheels needing replacing. And in my time I have only ever seen one insurance claim not pay out and that was for a car with basically racing slicks on the front causing him to hit the back of another car. Bear in mind if you are hit by someone else their insurer has to return your car to pre accident condition, aftermarket parts n all.
That isn't true I'm afraid. Case law now says the liability is only up to the value of the vehicle
 

V8_MOTOR

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all of my mods declared with aviva haven't added a single penny to my premium.

Suspension, springs, alloys, rear wing, splitter, wrap job, emblems, cold air intake, h pipe, roush axlebacks, American gt decklid, new hood, steering wheel, tribars, coplus indicators, the list goes on. I even told them that I was thinking about a tune and that it would bump up the hp by 20 to 30hp and they said it wont cost you anything to do that and have left a note on the policy that I may do it in the future.

no admin charges as I cant make these changes online so I have had a really good experience.
 

Coyote Red

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^ This is why we all need to keep up with law precedents. Laws change periodically. ^ Shout out to a Chap in Beanacre,Wiltshire Dale Harger. A BMW fan who will inherit my pony.
 

vmeldlew

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Your own insurance would cover you to the value of your vehicle, not including aftermarket parts, unless declared and subsequently insured.

If you were claiming from an at fault Third Party for damage to your vehicle, you could claim aftermarket parts as an uninsured loss.


Or at least, that's how it was when i worked in the industry a few years ago.
 
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wack

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Nothing to do with the government - Insurance companies are private companies and it is a risk based system. Modified vehicles are more likely to claim or require a claim hence the loading.

I'd think the opposite , anyone who modifies their car is less likely to crash it because of the time and money they have invested in it , there really shouldn't be an increase for cosmetic mods that don't alter the performance , it's all about the £30 admin fee

I know a guy with a highly modified Mk 2 escort , with all mods declared he pays under £200 fully comp on a classic policy 3000 miles PA
 

Kristian87

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I don't think I'll ever fully understand the mysteries of car insurance. Neither am I going to try.

I called Admrial on Sunday to say I had a new exhaust fitted, they stated that it won't be insured but added the modification to my policy. £19.50 admin fee - I call that a win.
 

SteveS

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I'd think the opposite , anyone who modifies their car is less likely to crash it because of the time and money they have invested in it , there really shouldn't be an increase for cosmetic mods that don't alter the performance , it's all about the £30 admin fee
If you'd expect an insurer to pay out for a part then surely there should be a premium for the cover? Plus they reckon modified cars are more likely to get nicked...

I don't think I'll ever fully understand the mysteries of car insurance. Neither am I going to try.
I called Admrial on Sunday to say I had a new exhaust fitted, they stated that it won't be insured but added the modification to my policy. £19.50 admin fee - I call that a win.
And yet they would presumably pay out for a stock exhaust which at $2000+ not including clamps, nuts and gaskets (and goodness knows what in GBP) is more expensive than your aftermarket one. Doesn't make a lot of sense...
 

vmeldlew

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I don't think I'll ever fully understand the mysteries of car insurance. Neither am I going to try.

I called Admrial on Sunday to say I had a new exhaust fitted, they stated that it won't be insured but added the modification to my policy. £19.50 admin fee - I call that a win.
That's interesting, I wonder if they still insure the car as if it had a standard exhaust.
Say you had a rear ender and the exhaust was damaged. Would they repair the car to its value including a standard exhaust, or to having no exhaust at all.
9 times out of 10, Genuine OEM parts at full retail value are more expensive than aftermarket alternatives anyway.
 

Kristian87

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That's interesting, I wonder if they still insure the car as if it had a standard exhaust.
Say you had a rear ender and the exhaust was damaged. Would they repair the car to its value including a standard exhaust, or to having no exhaust at all.
9 times out of 10, Genuine OEM parts at full retail value are more expensive than aftermarket alternatives anyway.
My assumption would be that only stock parts would be offered in the event of replacements. Or the value of the stock parts. If I don't have to pay extra to insure it, then that's a risk I'm happy to take.
 
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Count Drunkula

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Well I re-insured with A-Plan. All mods covered for £400. I know it's not the most massive premium in this day and age, but considering I could get cover for the car without the exhaust for £263 it still seems like a hell of a lot. I think if I'd know it was going to be so much I'd have left it stock. Rather sucked the joy out of it tbh....
 

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