nick997 Posted March 10, 2021 Report Share Posted March 10, 2021 What’s the consensus of opinion on needing to notify insurance companies after switching stock exhaust to an aftermarket one? If this was a typical car one wouldn’t think about it, replacement exhaust is just an exhaust. But being a bit shiny and noisy maybe they would take another view on it and use it as an excuse to wriggle out of any claims. Link to comment Share on other sites More sharing options...
Lennym1984 Posted March 10, 2021 Report Share Posted March 10, 2021 I inform my insurance about all modifications. Even with polybushes and uprated suspension, they have not charged me extra. Better to be safe than sorry and all that Link to comment Share on other sites More sharing options...
nick997 Posted March 10, 2021 Author Report Share Posted March 10, 2021 15 minutes ago, Lennym1984 said: I inform my insurance about all modifications. Even with polybushes and uprated suspension, they have not charged me extra. Better to be safe than sorry and all that Indeed, interesting to hear they haven’t charged you. Can I ask which insurer? Link to comment Share on other sites More sharing options...
Lennym1984 Posted March 10, 2021 Report Share Posted March 10, 2021 @A-Plan Insurance insure all of our cars now. I've found them very reasonable to deal with My car is not really "modified" (polybushes and uprated suspension only) so I can't really answer for how they would react to an exhaust, remap etc etc. Give them a call and ask Link to comment Share on other sites More sharing options...
map Posted March 10, 2021 Report Share Posted March 10, 2021 3 minutes ago, Lennym1984 said: @A-Plan Insurance insure all of our cars now. I've found them very reasonable to deal with My car is not really "modified" (polybushes and uprated suspension only) so I can't really answer for how they would react to an exhaust, remap etc etc. Give them a call and ask Mine has had some tweakery and like you I use A-Plan - have posted this before but as a Broker they've made my somewhat unorthodox use case work well and without being prohibitively expensive. Strongly recommend @A-Plan Insurance Link to comment Share on other sites More sharing options...
nick997 Posted March 10, 2021 Author Report Share Posted March 10, 2021 Thank you both. Link to comment Share on other sites More sharing options...
K.I.T.T. Posted March 10, 2021 Report Share Posted March 10, 2021 Have never been a (personal) customer of A-Plan, but they've always been great to deal with. I did receive a quote from them last year, which was very close (but more than) my renewal with NFU Mutual. I can also recommend them, if you're looking for options. No issue with mods (Litronics, aftermarket suspension, bypass exhaust) - premium remain unchanged, and they don't charge admin fees for changes like mods, plate changes, etc. You can even choose your own glazier for windcreen replacements. Got into a very bad accident, writing off a previous car, and they were excellent to deal with. A fair settlement mas agreed in our first conversation, and paid out swiftly. Can also recommend Brentacre - they tend to specialise in modified VW Group cars, but provided a very competitive quote for a friend's 996. Either way, always ask / declare. The potential grief just isn't worth it. Link to comment Share on other sites More sharing options...
CAZ Posted March 10, 2021 Report Share Posted March 10, 2021 As above A- plan for any mods - didn’t charge me anymore for having a carnewall . Link to comment Share on other sites More sharing options...
Nobbie Posted March 10, 2021 Report Share Posted March 10, 2021 1 hour ago, nick997 said: What’s the consensus of opinion on needing to notify insurance companies after switching stock exhaust to an aftermarket one? If this was a typical car one wouldn’t think about it, replacement exhaust is just an exhaust. But being a bit shiny and noisy maybe they would take another view on it and use it as an excuse to wriggle out of any claims. If you have a fault accident and they find out, if they can show they would not have insured you had you declared the modification they can void the policy from inception and seek repayment of claims made against them. I suspect many of the cheap end of the market insurers would not cover you since ‘modified’ cars it is not their bread and butter risk appetite. Best to ask before you go ahead as otherwise you may have to find a lot more money or a new policy. Link to comment Share on other sites More sharing options...
nick997 Posted March 10, 2021 Author Report Share Posted March 10, 2021 Thanks all, sensible advice taken on board. Link to comment Share on other sites More sharing options...
nick997 Posted March 11, 2021 Author Report Share Posted March 11, 2021 £9.50 later and I'm all legal. Quick chat with A-Plan this morning and they will definitely be quoting for me come renewal time, good helpful advice from them even though they didn't get any business from me in this instance. Link to comment Share on other sites More sharing options...
½cwt Posted March 11, 2021 Report Share Posted March 11, 2021 Surely this depends on the definition of after market exhaust on a 14 year old car. If it is purchased as a replacement 'standard' item, not sports upgrade, then that isn't notifiable, otherwise you have to declare every part that is not a Porsche original part and it risks N rated tyres coming in to play too! If it is a tuned sports exhaust or you lower the car etc different story. Link to comment Share on other sites More sharing options...
brillomaster Posted March 12, 2021 Report Share Posted March 12, 2021 thats basically what i was going to post, but didnt... not sure yet how a porsche forum feels about non OEM porsche parts being fitted! but id say if it was a standard replacement part that doesn't add anything to the performance, then i wouldnt declare it. Same with non OEM brake discs, brake pads, suspension parts and non N rated tyres. Link to comment Share on other sites More sharing options...
nick997 Posted March 13, 2021 Author Report Share Posted March 13, 2021 On 3/11/2021 at 10:23 PM, ½cwt said: Surely this depends on the definition of after market exhaust on a 14 year old car. If it is purchased as a replacement 'standard' item, not sports upgrade, then that isn't notifiable, otherwise you have to declare every part that is not a Porsche original part and it risks N rated tyres coming in to play too! If it is a tuned sports exhaust or you lower the car etc different story. The Carnewal makes this a bit of a grey area, looks standard at a glance but has been modified and that was partly what I was interested in. Mine definitely falls into the sports upgrade category and really I knew the correct way to go and the immediate and clear responses were sufficient to get me to pick up the phone. It was reassuring to hear that an exhaust change alone wasn’t likely to force me to have to change insurer. Link to comment Share on other sites More sharing options...
Scubaregs Posted March 13, 2021 Report Share Posted March 13, 2021 4 hours ago, nick997 said: The Carnewal makes this a bit of a grey area, looks standard at a glance but has been modified and that was partly what I was interested in. Mine definitely falls into the sports upgrade category and really I knew the correct way to go and the immediate and clear responses were sufficient to get me to pick up the phone. It was reassuring to hear that an exhaust change alone wasn’t likely to force me to have to change insurer. Key word is "modified" so you must inform your insurance or risk invalidating your policy. Link to comment Share on other sites More sharing options...
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