De-cat + Insurance = ?

[DamoVTS]

Do you tell insurance about De-cat?

Because im guessing ifyou dont, and crash then your insurance is voided,

Can they refuse to add it to your modifcation list?

[Mikey]

how will they know you have decated it? they will have to inspect it if you crash it, and i doubt an inspector is gunna climb under a wrecked saxo to check on a cat!!

[b0t13]

insurance section.

[devilsadvocate]

Wrong section mate. Should be in 'Problems and Queries' or 'Insurance'

[DamoVTS]

fok i must of pressed back, thought i was in the insurance section >.<

Can someone move it please :D :D :D

[Steve]

Do you tell insurance about De-cat?

Because im guessing ifyou dont, and crash then your insurance is voided,

Can they refuse to add it to your modifcation list?

take it off teh car before they get to see it.
I took nearly everything off my vtr when i wrote it off, bar seats and wheels and the engine lol

they never said anything.......
i had all the standard parts incase they asked for them back but they didnt, and you couldnt tell it was lowered as it looked raised due to me raping it through a ditch and trees and rolling it.


Shouldnt really do it so dont ;)

[Steve]

would you waste your time inspecting this
http://i134.photobucket.com/albums/q84/Steve_vtr/Progress%20Thread/DSCF3220.jpg

wheres the exhausts gone????

http://i134.photobucket.com/albums/q84/Steve_vtr/Progress%20Thread/DSCF3229.jpg

However i did mention that i had took stuff off (i didnt trust the yard who had it as already took a few bits off the car) but they said dont worry about it the cars fucked anyway lol

[devilsadvocate]

Good job and all cause you can see that exhaust from space ;)

[Dez]

take it off teh car before they get to see it.
I took nearly everything off my vtr when i wrote it off, bar seats and wheels and the engine lol

they never said anything.......
i had all the standard parts incase they asked for them back but they didnt, and you couldnt tell it was lowered as it looked raised due to me raping it through a ditch and trees and rolling it.


Shouldnt really do it so dont ;)

so you didnt tell your insurance company about any mods?

[MikeCracknell]

Elephant.co.uk:

"Non Standard Exhaust System" = any or all parts of the system. Cat included ;)

[Steve]

so you didnt tell your insurance company about any mods?

yeah course bar my strut braces lol so took them off aswel.
just i wanted to keep them to sell or put on new car thats all haha but they gave me money for teh car how tehy seen it on inspection so they cant ask for them now anyway.

[Adam_Q]

Steve_VTS you really did fook that saxo... were you ok? Looks really bad!

[smiith]

steve mate, didnt kno u had it in you lol, still doesnt beat my write off :p

[Adam_Q]

steve mate, didnt kno u had it in you lol, still doesnt beat my write off :p

Pictures required!!!!!

[Marcos]

that looks nasty

[L33h]

wtf man, de-cats r illegal anyway rnt they? so 4 tell the insurance?

[devilsadvocate]

Theyre not illegal as far as im aware. However the car will likely fail an MOT with one on.

[raunchz]

Like MikeCraknell - On my insurance certificate it says Modifications - 'Non standard exhaust system'

So I'm sure a de-cat would come under that (plus I have a dummy cat/silencer on my decat so looks like a cat) - I thought every car after like 92 or around then, had to have a cat, so don't know what the insurance would say to a decat, but from my certificate I'd say I was covered, but will never know until I crash ....... lets not go there though !!

[p2ck]

wouldn't worry too much about it.

they usually come out, say yeah its fuked then go.

[Dasher_VTR]

your insurance would be void anyway with one on because of the MOT failure.

[TU-Tuning]

your insurance would be void anyway with one on because of the MOT failure.

thats what i thought before but i see what people are saying now, surely if you had a MOT pass and your cars mullered theres no way theyre gonna check the emmisions anyway so youll be fine. Unless they for some reason could prove you fitted a cat just for MOT time

[Peejous]

but could just blag that you installed the de-cat pipe after the car had got an MOT and didnt know that it would increase the emissions and fail the MOT. Just act stupid, sometimes you can get away with it. Insurance is all a con anyway imo.

[liam7200]

yeah that right its not a mot failer to have a d-cat ur emishions tht fail ur m.o.t lol but my old clio had a d-cat and some chav robed it nd rolled it and it was upside down when police came they did not say out, they got better thing to worrie bout n insuranse inspectors allway check body work not to much on the engine itself over than radiator n genral quick look at things :P

[JimoVTR]

No need to tell insurance.

When my mate wrote his off he hadnt told the insurance about any mods.

Lowering, Strutbar, decat etc etc

and his insurance wasnt void.

Stop making a mountain out of a mole hill :y:

[liam7200]

im with him lol

[vidal]

No need to tell insurance.

When my mate wrote his off he hadnt told the insurance about any mods.

Lowering, Strutbar, decat etc etc

and his insurance wasnt void.

Stop making a mountain out of a mole hill :y:

If there was any doubt as to the cause of the accident, especially if a 3rd party was injured, the car would be inspected quite thoroughly. Any non-standard parts would be checked, and any contribution to the accident would be checked. This would then be cross-referenced with the insurance held on the vehicle.

I assume your friend either binned his car and made a claim, or he was not at fault and the other insurer paid out on a purely visual inspection of the wreckage.

Just ask yourself, is it actually worth the risk?

V.

[JimoVTR]

It wasnt his fault.

But honestly can you say

"this seven car pile up which included 8fatalaities and 3seriously injured was all down to a decat pipe!"

no.

lets put other mods in question - saxo's shit handling FACT!
lower and strut bar, better handling.

"you have lowered and put a strut bar on it, it handles better, so much better that it caused 8deaths and 3injured"

no

17inch alloys (aftermarket)

"with these wheels so big and chrome and shiney with dollar spinners, the light reflected into this persons eye, causing them to crash and die"

no


get my point.


however Nitros Oxide, perhaps induction kit, Turbo'd, they must go to insurers.

Its common sense if you think you need to add it to the insurance policy.

[vidal]

It wasnt his fault.

But honestly can you say

"this seven car pile up which included 8fatalaities and 3seriously injured was all down to a decat pipe!"

no.

A bit extreme, but we'll go with your scenario. The de-cat won't be looked at as the cause, but finding an aftermarket modification will cause the investigators to look a little more closely.


lets put other mods in question - saxo's shit handling FACT!
lower and strut bar, better handling.

You've lowered it, put a strut bar on, have you rechecked ALL the suspension geometry? How many threads on here are asking for help because their wheels are rubbing or they have strange knocking noises from their suspension?

"you have lowered and put a strut bar on it, it handles better, so much better that it caused 8deaths and 3injured"
But it handles so much better, would you be tempted to drive to the limits of your new handling abilities. But did you uprate your tyres?



17inch alloys (aftermarket)

"with these wheels so big and chrome and shiney with dollar spinners, the light reflected into this persons eye, causing them to crash and die"

I'll look out for that one.


however Nitros Oxide, perhaps induction kit, Turbo'd, they must go to insurers.

Its common sense if you think you need to add it to the insurance policy.

No. All mods should go for consideration. Let the insurer who is taking on YOUR RISK is the ultimate arbiter. If you cannot find an insurer willing to insure your car with the modifications you want, then look harder and be prepared to pay.

Do you wonder why handling mods usually attract a policy increase? It's because people will tend to drive their cars harder into corners, leave braking until later and generally exploit the extra ability the mods have given the vehicle without actually doing anything about the HUMAN element inherent in it.

V.