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iblis
06-08-2008, 10:39
Hi all,

I'm going to be fitting a NA Magnex as part of my 3vz conversion. I don't know anything about exhausts to be honest and I need to declare it to my insurance company. Is there an expected bhp increase for fitting one of these? Or is it just about the sound and look? The main driver for replacing it is my stock one is a bit knackered.

Thanks

biteme
06-08-2008, 10:54
I'd expect a couple of bhp ... say 3-5bhp max. don't expect it to make a world of difference to the performance.

Sound is ace though :)

iblis
06-08-2008, 11:44
Thanks for that mr G :thumbsup:

Will declare it as 5bhp I guess. That should cover it.

biteme
06-08-2008, 12:03
Aye, best be safe than sorry :)

OlberJ
06-08-2008, 20:30
Nah, wouldn't bother saying it's a performance mod, just say it's aesthetic.

Paff
07-08-2008, 01:04
As olber says, say its an aesthetic mod, I mean how many stock mr2's with a 3 litre in do they have to compare. a couple of bhp wont make a difference.

I mentioned the engine swap on with the last company I was with and they didn't really care about the exhaust or air filter as it was obvious to them they wouldn't be stock

Marksman
07-08-2008, 08:07
I agree to a point but many insurance companies employ weasels to try and wiggle out of paying claims. Undeclared performance mods are an easy way of doing this. If you state every tiny little thing then you're taking away all their excuses should you ever need to make a claim. Just my opinion.

Owen.

biteme
07-08-2008, 08:10
Nah, wouldn't bother saying it's a performance mod, just say it's aesthetic.

It's still a mod though matey. Irrelevant of it's performance for aesthetics. The question they ask is "Has the car been modified" and, naturtally, it has been.

OlberJ
07-08-2008, 09:49
Oh aye, am not saying don't declare, oh no no noooo, that's gonna get you fucked.

What i meant is, if they ask, does it increase the bhp (like iblis was saying) just say, "Nah, i jus like shiney pipes" lol

There's a difference between cosmetic and performance mods when it comes to insurance, usually a list of 2 boxes on the phone monkey's computer, one loads the premium more than the other for different things. It's hard to prove exhausts do anything as there's so many other factors with it.

Stick with the shiney pipes rule or they'll take the manufacturer's bumph as gospel. "Up to 20% Gains from our new craperflex zorst"

Insurance is done in good faith, you jus gotta know how to bend it legally while you keep the faith. :thumbsup:

biteme
07-08-2008, 10:07
Are Craperflex any good?

iblis
07-08-2008, 10:41
Thanks for all the replies guys. They are charging me an absolute fortune as it stands, it's going to be about £950 with 8 years no claims and I'm 27... Just for the 3vz. I can't find any info on the web about a specific performance increase, so...

biteme
07-08-2008, 10:54
Thanks for all the replies guys. They are charging me an absolute fortune as it stands, it's going to be about £950 with 8 years no claims and I'm 27... Just for the 3vz. I can't find any info on the web about a specific performance increase, so...

Who you insured with?

Paff
07-08-2008, 11:02
Mate give sky a shout. much cheaper for me and I'm 28 with 8 years or so no claims.

Last year greenlight were the company I used and I wan't paying too much then either

biteme
07-08-2008, 12:32
Don't forget APlan - although Sky do seem competitive for those further "sarff"

iblis
07-08-2008, 12:55
With sky at the moment. They claim the price is related to holding an irish driving licence... That and living in central london. But compared with other quotes I've seen posted around the place it seems to be about a 50% loading for the licence.

I must look into their cancellation policy and get a quote out of A-plan. I probably do less than 3000 miles a year at the moment, so it's quite a high price to justify. But I must have the v6 goodness.

biteme
07-08-2008, 12:57
Or get a UK License!

iblis
07-08-2008, 13:24
Well yes, I guess I could do that and put them to the test!

iblis
07-08-2008, 13:25
Double post...

OlberJ
07-08-2008, 17:52
Yep, that's the way to do it, get a quote from them with a UK licence. Makes a fair difference, or did for me when i worked for insurance koompaknees.

Craperflex are alright Johnny, especially their bespoke downpoops.

BSM
08-08-2008, 13:36
With Ireland being part of the EU, should they not treat your licence as the same as a UK one?
I'm sure you can just apply for a UK one and send em your irish one as proof and it's £15 (?) well spent?

http://www.direct.gov.uk/en/Motoring/DriverLicensing/DrivingInGbOnAForeignLicence/DG_4022562

just checked it's £50!!!

iblis
08-08-2008, 13:48
You're not required by law to ever exchange an EU licence alright, and as such I guess they have to quote you. But I think their leverage is the issue of penalty points. Specifically that they can't be applied to a non-UK licence.

BSM
08-08-2008, 14:23
Keep both and insure with UK one! :thumbsup:

iblis
08-08-2008, 14:26
That would be nice! But you need to send your current one in to avoid doing another driving test, and they return it to the issuing authority, smartasses!

BSM
08-08-2008, 14:28
hmmmm, swines. Depends if you've settled over here and don't mind the chance of points I suppose.

Marksman
08-08-2008, 14:28
"Lose" first one and pay for replacement then return second one for UK equivalent... :angel:

iblis
08-08-2008, 14:35
Thought about that alright... Depends how detailed their records are!

Going to be here for another two years anyway, but beyond that who knows... I guess I'll have to see what the price difference is based on that alone, then decide.