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Thread: insurance after engine swap ?

  
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    insurance after engine swap ?

    hi all! my 1.4 engine is needing a new timingbelt, cam belt and clutch and it also recently started burning oil So im looking at swapping it for a bigger engine, maybe a 1.8 or 2.0

    The bit im worried about is the insurance after this ? do i have 2 register the car as a 1.8 or 2.0 with the DVLA or do i just let the insurance know that i have changed engines ?

    Also will this cost more than insuring a car that had a 1.8 or 2.0 to start with ?

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    You should tell the DVLA but most people dont so they can get away with insuring it as what it originally was... And then they dont tell the insurance, just hope they dont crash.

    If you do it all legit i think you could insure it as a car you built yourself, kind of like a kit car, which should end up alot cheaper but its alot of work. Most of the big companies wont let you change your engine.
    Driving Audi TT 225 Q

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    Quote Originally Posted by nickfearn View Post
    You should tell the DVLA but most people dont so they can get away with insuring it as what it originally was... And then they dont tell the insurance, just hope they dont crash.

    If you do it all legit i think you could insure it as a car you built yourself, kind of like a kit car, which should end up alot cheaper but its alot of work. Most of the big companies wont let you change your engine.
    After the bullshit answer above - ignore any advice there

    1 - Advise the DVLA of the engine change. They will amend the V5 to reflect the changed engine.
    2 - Insure the vehicle as it now is. The insurance is null and void should you need to claim if it is not declared, so you might aswell spend your money on a policy that is valid.
    3 - Yes. Sometimes it is more to insure a car with a 'non-factory fitted' engine. Can depend though....

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    Quote Originally Posted by BYRON View Post
    After the bullshit answer above - ignore any advice there

    1 - Advise the DVLA of the engine change. They will amend the V5 to reflect the changed engine.
    2 - Insure the vehicle as it now is. The insurance is null and void should you need to claim if it is not declared, so you might aswell spend your money on a policy that is valid.
    3 - Yes. Sometimes it is more to insure a car with a 'non-factory fitted' engine. Can depend though....
    Hows that a bullshit answer, you just reiterated what I said...? And you try ringing admiral, churchill etc and try insure a car with an engine it shouldnt have in it...
    Driving Audi TT 225 Q

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    Quote Originally Posted by nickfearn View Post
    You should tell the DVLA
    Correct

    Quote Originally Posted by nickfearn View Post
    but most people dont so they can get away with insuring it as what it originally was
    I would suggest the minority dont declare the engine tbh.

    Quote Originally Posted by nickfearn View Post
    And then they dont tell the insurance, just hope they dont crash.
    Maybe, see above.

    Quote Originally Posted by nickfearn View Post
    If you do it all legit i think you could insure it as a car you built yourself, kind of like a kit car, which should end up alot cheaper but its alot of work.
    It would be insured for what it is? Some insurers require an engineers report.

    Quote Originally Posted by nickfearn View Post
    Most of the big companies wont let you change your engine.
    The mainstream insurers might not i.e zurich, direct line etc - but there are specialist insurers for performance and modified cars that cater for circumstances such as an engine swap.

    My response may have seemed short - sorry, although I do think your advice wasnt great

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    Exclamation

    Ill let you off then

    Dont know about the minority though, if you look on ebay or somethin at e.g. anthin with a red top in they all say somethin along the lines of 'it is up to you whether you disclose the engine to the DVLA or insurance as it is at the moment still a 1.0 on the log book'

    I know they are all the little gits (like i used to be when I had my s3 engined lupo gti) and drive with dodgy insurance, because otherwise its far too much/cant even get insured without doing it naughtilly. I was told by admiral that mine would be classed as a kit car if i changed the engine.

    But yeah yours is better advice than me I was just putting across what I thought he could do. Listen to the above quote, forget mine
    Driving Audi TT 225 Q

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    Thanks for the reply guys i would be telling as i dont see the point in paying for insurance i dont have if i am in a crash. plus the points

    like the sound of the whole kit car idea cheaper is better im paying about £1400 on my 1.4 astra right now but its better than some of my friends who pay alot more on there smaller clios/puntos and have a big price jump with mods, i didnt go up any lucky

    since i didnt get a reply on the main forum do you guys know if a 1.8 or a 2.0 out of a vectra would drop straight into my car ?

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    mike how much cash have you got to spend on this engine upgrade?

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    Nothing! lol im skint after just getting coilovers but i know my 1.4 is on its way out so planin ahead n saving some cash

    lookin at going to u-pull-it, basicly buy a car n rip off it what you want can get a x20xev from a vectra for £125 plus whatever else i need

    http://www.u-pull-it.co.uk/lotDetail...earchType=HOME

    howz your mk5 going ?

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    not looking at the engine yet mate it all about the looks first im afraid but will keep you posted

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