willay
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I have a car thats had its engine replaced with one of smaller capacity but is still found in its range - once the V5 is changed to reflect this (capacity and engine code) would this still be seen as modified in the eyes of the insurer?
Sounds stupid but I'm not 100% sure, I think the insurer would instantly go with modified as the reg will bring up the larger capacity engine. I was wondering if it would be worth arguing because in theory it should cost less to insure, thoughts?
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Jill
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I would personally say it could be classed as modified due to the fact it is not the engine size that came with the car when it was manufactured. BUT as long as the insurer knows about the engine change and obviously it is lower in capacity and not tuned I doubt it will make much difference. They will probably ask them for a copy of the V5 confirming the engine number and size is all correct etc.
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Brett
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Go with the right insurer and it won't make much of a difference 
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LeeM
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is a 1.4 sport with a c16 engine modified? just because its lower capacity, a lot of insurers will use it as an excuse to call it a mod and raise the premium over the standard model.
what car is it?
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SXI - Matt
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Registered: 8th Jul 07
Location: Leicestershire Drives: Corsa C SRI
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Any think that's modified over standard specification when new is what they'll class as modified id of thought. So did the car come with that engine new no so it's been modified.
That's how I'd of thought they see it regardless if the engine is in the same range it's different. I can understand if its a straight swap like for like as well they wouldn't need to know and it's the same as new.
[Edited on 19-03-2013 by SXI - Matt]
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willay
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quote:
Originally posted by LeeM
what car is it?
Its a Astra G
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BenC1985
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If i converted my 1.4 sport to a c20let then it would be insured as basically a cav or calibra turbo,group 17. So if in theory i had a 1.6 sport then put a 1.4 engine in the insurance would be for a 1.4 sport as thats whats powering it. Only way to find out 100% is to ring your insurer as an enquiry.
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SXI - Matt
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Doesnt hurt to ring and ask though even if they class it as modified might not actually make it any more to insure. Like you say it's a smaller engine so the right company should realise this and reflect it in the price
[Edited on 19-03-2013 by SXI - Matt]
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SXI - Matt
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quote:
Originally posted by BenC1985
If i converted my 1.4 sport to a c20let then it would be insured as basically a cav or calibra turbo,group 17. So if in theory i had a 1.6 sport then put a 1.4 engine in the insurance would be for a 1.4 sport as thats whats powering it. Only way to find out 100% is to ring your insurer as an enquiry.
No surely they'd insure it as a corsa with a cav engine not as the car it came out of, else every time you got stopped it would show as the wrong car and when you came to tax it ect you wouldn't be able to. They'd just change the engine capacity on the car it's in surely??
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BenC1985
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quote:
Originally posted by LeeM
is a 1.4 sport with a c16 engine modified? just because its lower capacity, a lot of insurers will use it as an excuse to call it a mod and raise the premium over the standard model.
what car is it?
If it was 1.4 to start with and you put a c16 in they would insure it whatever group insurance the c16 is from as its a bigger engine. And your taxwuld be in the higher bracket. The exact reason i got a 1.4 sport not a 1.6, i could mod the 1.4 to the same power as a 1.6 but pay less tax.lol
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BenC1985
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quote:
Originally posted by SXI - Matt
quote:
Originally posted by BenC1985
If i converted my 1.4 sport to a c20let then it would be insured as basically a cav or calibra turbo,group 17. So if in theory i had a 1.6 sport then put a 1.4 engine in the insurance would be for a 1.4 sport as thats whats powering it. Only way to find out 100% is to ring your insurer as an enquiry.
No surely they'd insure it as a corsa with a cav engine not as the car it came out of, else every time you got stopped it would show as the wrong car and when you came to tax it ect you wouldn't be able to. They'd just change the engine capacity on the car it's in surely??
What i meant was the cav or calibra is a group 17 so they class your corsa with a c20let a group 17 car. I know as ive done it with my old corsa and they explained it to me.
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BenC1985
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And if you have an c20xe in a corsa it would be a group 15 car as a cavalier gsi is group 15. So if you technically have a mk4 astra with a 2.0 and its say a group 13, if you fit a 1.8 which is a lower group they would just class it as the lower group. That is of course you have registered it with the dvla with the smaller engine so it shows up on the data base.
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SXI - Matt
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Ah ok I read your post as they would actually insurer it as the car it came out of e.g a cav not a corsa, I know they will class it as the same group but mistook what you explained above
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Daveskater
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What I've heard before from a mate's dad was that their neighbour had a 1.3 Fiesta which he changed to a 1.1 when the engine died, and they charged him more for it because it was modified.
As said, give them a call and use your MAN powers on them.
Numberwang!
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Look at my pictures
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pow
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The only time it WOULDN'T be modified is if it had a like for like engine with a new engine number put in it, you'd just send the V5 to the DVLA with a new engine number and the insurance wouldn't care about the engine number.,
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LeeM
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Registered: 26th Sep 05
Location: Liverpool
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quote:
Originally posted by BenC1985
And if you have an c20xe in a corsa it would be a group 15 car as a cavalier gsi is group 15. So if you technically have a mk4 astra with a 2.0 and its say a group 13, if you fit a 1.8 which is a lower group they would just class it as the lower group. That is of course you have registered it with the dvla with the smaller engine so it shows up on the data base.
if only it was as simple as groups  you know some cars in higher groups cost less to insure than others in lower groups? i'll bet in some parts of the country its cheaper to insure a cav gsi than a 1.6 corsa sport
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BenC1985
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quote:
Originally posted by LeeM
quote:
Originally posted by BenC1985
And if you have an c20xe in a corsa it would be a group 15 car as a cavalier gsi is group 15. So if you technically have a mk4 astra with a 2.0 and its say a group 13, if you fit a 1.8 which is a lower group they would just class it as the lower group. That is of course you have registered it with the dvla with the smaller engine so it shows up on the data base.
if only it was as simple as groups you know some cars in higher groups cost less to insure than others in lower groups? i'll bet in some parts of the country its cheaper to insure a cav gsi than a 1.6 corsa sport
Thats how i was told it about 5years ago when i got my insurance on my old c20let corsa. Times have changed alot unfortunatly. And your right in parts of the country faster cars are sometimes cheaper to insure than a lesser model.
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monkeytwizzel
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Not the standard engine so yes modified!
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Ian
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I would think most insurers will charge you more because they can.
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