Hi, am looking to buy a car that has a typhoon induction system installed. But if i had this to my quote it doubles the insurance and makes it a price that i cannot afford. Would my insurance be void if I dont declare it? Its only an air filter at the end of the day
Soldato
Anything non oem to the car when it came out of the factory needs to be declared
Soldato
K&N air filter in a standard air box etc - no
Induction kit - yes
Induction kit - yes
Associate
If I had to decide what to declare, I'd use the simple test of "would average joe, having bought this car second hand with no information & knowing close to zero about cars, be able to reasonably tell that it's been modified?"
Many people never even lift up the bonnet, so you could play dumb with any mods like this.
Just put the standard air box back on, likely losing power with a hot air intake on there anyway unless you really need that hotboi noise.
I'm guessing it's a an engine that's going to sound great with one on then, V10 or V12 perhaps?
Soldato
If such a simple mod is having that kind of effect on your insurance I’d recommend returning the car to standard until you either find a more mod-friendly insurance provider or your risk profile reduces.
Ring and ask. I had one insurer not care if it was an OEM fit in the standard air box, another wanted me to declare it.
But as many say above unless you have done other mods and mapped it, the filter will make no difference apart from make a little more noise and you may lose power... TyreRviews.co.uk did a good video on it:
But as many say above unless you have done other mods and mapped it, the filter will make no difference apart from make a little more noise and you may lose power... TyreRviews.co.uk did a good video on it:
Soldato
True, but ignorance isn't a defence which will hold.
Caporegime
Its big and obvious, declare it.
As others have said that kit without other mods is not going to improve anything just remove & fit the std kit again or find another car. You are only talking about 3-5BHP increase its not worth the extra insurance cost you would get more free noticeable performance from regular servicing (clean oil especially) , & decent tyres at the correct pressures!
Which unfortunately doesnt stand when the insurance company turns down your claim. I saw a guy who got rejected cause a none original sunroof had been fitted to the car and wasnt original from the factory
Soldato
Are you using Comparision sites? If so and you want to keep the mods then you need speak with specialist modified insurance companies, Greenlight, Adrian Flux etc.
I went with AF for mods on my Focus ST and they were cheaper with mods declared than a standard car policy with any comparision site.
What was the claim for? The sunroof?
I find it hard to believe the insurance company was able to deny any other claim on the basis that it had a different sunroof to the original that the owner was not aware of.
Associate
Old housemate put an induction kit on his Civic Type-R.
Gained him about 1hp extra power, made a helluva noise when the right foot got planted, but nearly doubled his premium.
He took it straight off again.
It's a modification, pure and simple, in the eyes of insurance firms.
Declare anything, or your policy will be invalid.
Gained him about 1hp extra power, made a helluva noise when the right foot got planted, but nearly doubled his premium.
He took it straight off again.
It's a modification, pure and simple, in the eyes of insurance firms.
Declare anything, or your policy will be invalid.
It was theft. Their argument was that it made the car more appealing. Was a lot of years ago, they may be better nowadays.
Associate
Yeah well so's my johnson.