Should a back box replacement be declared to insurers.
All cats and original pipes are untouched.
I wouldn't have thought there would be any power gain from replacing the box.

Nik.

 

there are gains however they are very small...and yes you will have to declare it...

Would be intresting to know how much they will charge as i am also yet to declare mine..

 

Me neither

 

i declared my full system and 18" prodrive alloys which didnt make a difference. (one of the specialist insurance cos on here) although tesco wanted about 33% more for exhaust, lowered springs and i/kit

 

If it ain't standard then delcare it, we all know insurance compaines like to get out of paying a claim, why give them an excuse.

But prepare to bend over as alot of insurance companies charge up to 10% of the premium for a back box alone!!!!!!

 

Admiral want about £50 extra for a tail pipe, but if it were damaged they would only replace it with a standard one.

 

If i remember right..Aplan only charged me £30 for 19" Alloys...

 

Also if your car is an import then you dnt have to declare much..as the car is an import So i have heard anyhow..

 

Bit stupid if you dont declare it as if you prang it they have a nice loop hole and will give you rock all -

 

on my import i declared its color coded,didnt mention the rear titns as i see these are standard on imports.

 

I've also told Admiral about the backbox and centre section on mine, went up £30 a year. Contract states "any chances to car either in performance or cosmetic, that are not declared may void your policy".

Other insurance companies I've been with charged nothing with new wheels/exhaust/air filters, but mind you they were a Nova SRI and Astra GSI, so not exactly a Scooby.

 

Keith Michaels didnt increase my quote at all for a number of modifications, including and H&S backbox. One further point: if Id had to claim then my additions would have been covered for their full value, unlike A-Plan where youre simply covered with them (the difference will become apparent when they come to settle a total loss).

Simon

 

From an insurance claims bloke (moi!) :

D'pends what they ask on the proposal, a copy of which you will normally be sent out even if policy taken out over the phone. Some insurers just ask about "performance modifications", some ask about "modifications".

Under the ABI Code of Conduct an Insurer should only repudiate a claim on the grounds of non-disclosure where that information would have resulted in them refusing to accept the risk. If insead they would have charged a higher premium, they are supposed to simply deduct from the claim payment the additional premium that would have been paid had the modifications been notified.

Having said all that, I chose to disclose my mod's !

hope that helps lads,

Andy Mc