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Huggs153
Member Since: 15 Nov 2012
Location: Surrey
Posts: 192
  
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| EGR blanking & Insurance cover |
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Hi
If you fit blanking plates on ERG, should/ would you inform your insurance company? Will they call it a mod to change the power output of the engine?
This post has been edited by the site administration team
Thread title updated Huggs.
D3 - MY 2005
D4 XS (sold)
D3 HSE(SOLD)
side steps, EGR blanked,3 flash +Clock Move
D4 HSE 2015 (sold)
Current D3 As it comes...
Ex Hampshire & Berkshire 4X4 Responder
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 7th Jan 2013 8:02 am |
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disco_steve
Member Since: 25 Aug 2009
Location: Are you sure this is the M5 ?
Posts: 1498
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IMHO no !
It does not really impact on the rated kw output, just improves the engines breathing, also negligible effect on emissions (according to my MOT test results) Never get mad - get even !!
06 D3 now gone to family member and still going strong at 265k
previous vehicles:
04 D2 TD5 - (clocked 189k from new)
52 X-Trail 2.2 SVE
various euro boxes !
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| 7th Jan 2013 8:10 am |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10808
  
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IMHO you MUST inform your insurers of ALL modifications.
You could ask the rhetorical question in advance - possibly of other insurers to gauge the market view.
I want to be covered come what may so I declare all modifications; the declaration for my XK150 & MG B GT V8 runs to nearly 4 pages of close printed A4.
NJSS Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 7th Jan 2013 8:34 am |
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CDS
Site Sponsor
Member Since: 12 Oct 2009
Location: Cornwall & most of the UK!
Posts: 3346
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Which insurance company do you use? I've found that some only allow a limited number of mods
Discovery 3/4 & RRS keys cut and programmed at your home or work
Apple CarPlay/ Android Auto retro fit - see it here
BAS Remaps/ EGR Blanking
Software updates/ enabling
Mobile Servicing & Repairs
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| 7th Jan 2013 9:03 am |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10808
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I'm insured through Footman James - the broker is important.
I have a multi-car policy for my 4 cars & declare every single modification, including different size wheels summer/winter tyres. This year the policy if with RSA, but the insurer varies year to year depending where FJ can get the best terms.
My premium has only been loaded once - for the BAS remap, which resulted in an increase of 8% of the premium element associated with the Disco3.
I'm covered for off-road use, providing it is "not competitive".
I've been with FJ for many years - it may help that I also have a number of policies with AoN their parent company - but I doubt it.
Only one claim many years ago for wind damage - settled immediately without any problems.
NJSS Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 7th Jan 2013 9:17 am |
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MarkOne
Member Since: 23 Jul 2011
Location: County Antrim
Posts: 3345
 
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Why would you feel you need to tell them? Is it the fear of them not paying out if something happens?
Can't see how blanking your egr valves would ever be an issue with an insurance company, it's the same as people asking about remaps and insurance company's.
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| 7th Jan 2013 9:19 am |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10808
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I am an honest person, whether with HMRC, Insurers or otherwise.
Sorry to get "technical" but it is established that it is the insured's fundamental duty to disclose all material facts and surrounding circumstances that could influence the decision of the insurer to offer cover, or the terms under which cover is offered (premium, excesses etc..) non-disclosure or partial-disclosure gives the insurer an opportunity to void the policy & walk away.
In the event of a claim, third parties will be looked after, but your losses will not be covered, and you will be sued by the insurers for what they have paid out + costs & administration expenses. I am aware of cases where this has happened leading to the bankruptcy of the policy holder, and criminal proceedings for driving uninsured.
I would hate anyone to be in this situation.
NJSS Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 7th Jan 2013 9:37 am |
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