lol cheers for reply. after being told i should be banned. i think i'll just crash my civic into someone =\ WHILE BEING UNINSURED =P
my luck has been terrible so I DO plan to declare anyways. Was just wondering =\ I have been quoting online and declared my mods (alloys, exhaust, bonnet etc). and what kinda increase in premiums are we talking about. say for example:
you insure the civic and it's 1.4 non vtec. then you swap a b16 into it and declare this. assuming you have declared this to your insurer, how much did your premium increase by?
AND SORRY IF THIS POST HAS OFFENDED ANYONE
Used to work in insurance.
put simply if you have a 1.4 EJ9 and you put a B16 in it, they simply won't insure you at your age.. even if they do they will price yo uout as they won't want to insure you
worse still the insurance companies will try and price you out so they don't have to insure you...
IIRC mod's raise your premium as follows.
this was Ford insure underwritten by aviva
From 2008 when i worked there.
Aftermarket Suspension lowering springs + 15%
Big brakes + 15%
Exhuast + 10%
Air filter + 10%
cams + 20%
Engine management system + 20%
as far as i can remember engine transplant was ???% meaning regarding what it was it was up to the insurer what they quote you.
there are specific insurers who will quote you better than that for modded car's, people like Adrian Flux for instance..
Someone said about B16 - B18 as they look the same.....
Any Decent cop or vehicle inspector will know where to check the engine code agasin't the chassis number for the correct engine..... even a google search will show this..
To be honest you wouldn;'t be the first person who didn't declare it although alot of people on the forum will take moral high grouind on this one i believe there are a lot on the forum who have not delcared a single mod to their car.
The way i see it mate is that with things like insurance you really shouldn't F*** about as by you making it cheaper for yourself by £500 a year for example this still isn't enough to account for the loss of someones pride and joy... if this were to happen and your insurer did not pay out i'm sure you would be VERY hapy to pay that extra £500 if it meant that that person could have they're car back and it would mean you didn't go to prison...
PUT like that and most people wake up about it.. its not something to be laughed at either... i know people who have been hit by uninsured drivers and it nearly ruined their life tbh...
simple terms : NOT WORTH IT buddy.. i'm not ranting at you just telling how it is from experience... which is what you asked.
also i don't get why this happens.... for years i wanted a civic Vtec and i only got one when i could afford to insure it fully and above board...
Why not just wait till you can afford a Civic EK4 or an EK9
the money you spend on insuring the mod's could save up over 2 years to buy an EK4 !!!!
and is it risky keeping it on the down low? 
).gif ":)) :))")
