Decat declared?

[montezumola]

Hi all,

 

Just a quick question ... if you were to decat your car, would you declare this as a mod to the insurance company?

 

And if you declare a non-standard exhaust, would you need to?

 

Thanks!

[GeordieSteve]

I class mine as part of my aftermarket exhaust

[Muffleman]

No one can sensibly advise you on this one mate, what you do and don't declare is your decision.

 

That said, I'm with Steve - I declared that mine has a performance exhaust, and both cats were long gone

[JamesG]

If it's any help, some exhausts replace both cats anyway (like Mongoose). My exhaust is half Mongoose and half Nur Spec. So it's just declared as an aftermarket exhaust.

 

Can't imagine it ever being an issue.

[Green Peace]

I know this might sound daft but 'some' Insurances companies in my experience i have found often assume modifications when they insure J-Spec...but better to declare if you can

[JohnA]

I prefer to call it "stainless exhaust", that way it's hard for them to claim that it wasn't declared.

The word "performance" freaks them out sometimes, so better avoid it.

I've also declared that I have a "pressure" gauge. Sounds innocent, the word boost is also best avoided if possible...

[trooper]

Did you notice if your premiums went up much with a new exhaust or didn't it make much difference?

[tbourner]

Just say it's a stainless system, to replace the standard as the standard only comes with 1 year warranty (same for any car), and obviously you don't trust it not to rust on british roads, so you changed it for a stainless one. That way they won't put up your premium (haven't on any of the cars I've had anyway).