Tesco Box insurance modifications

Jxmie · 27 Jun 2019 at 12:46

is anyone on Tesco box insurance and had a muffler delete and/or lowered their car? If so did they allow it, or how much extra was it on the premium to have those mods?

Glanza · 27 Jun 2019 at 12:51

Call and ask them?

vanpeebles · 27 Jun 2019 at 12:52

Muffla!

Tee Hee Johnson · 27 Jun 2019 at 12:53

Cant the muffler simply be removed?

What is it with this delete nonsense.

Meaker · 27 Jun 2019 at 12:53

If you need the box I assume you are a new driver? Learn to drive for a bit first and get used to the car fully before doing mods.

Jxmie · 27 Jun 2019 at 12:56

Glanza said:
Call and ask them?

Literally took insurance out yesterday and haven’t received any paperwork about my insurance and I still haven’t passed my test YET

Tee Hee Johnson said:
Cant the muffler simply be removed?

What is it with this delete nonsense.

I mean I could, but I think that it’s illegal to do that? Or would definitely fail an MOT

Meaker said:
If you need the box I assume you are a new driver? Learn to drive for a bit first and get used to the car fully before doing mods.

Yeah I am a new drive, like I said I don’t actually have my lisence yet. But thankfully I’ve managed to be a gifted driver so caught on very quick. But yeah I’m not going to get mods straight away. Just thinking about it and wondering if anyone else has before looking properly for parts etc

vanpeebles · 27 Jun 2019 at 12:57

Wat whip yo runnin hoss?

Jxmie · 27 Jun 2019 at 12:58

vanpeebles said:
Wat whip yo runnin hoss?

Mk6 Golf TDI 1.6 bluemotion

Kenai · 27 Jun 2019 at 13:01

Joined up today, to ask about exhaust and suspension mods on a 1.6TDI Golf before even passing a test.

I'm calling troll on this one.

Dis86 · 27 Jun 2019 at 13:02

I'm calling something else, ain't troll but isn't pleasant...

Jxmie · 27 Jun 2019 at 13:05

Kenai said:
Joined up today, to ask about exhaust and suspension mods on a 1.6TDI Golf before even passing a test.

I'm calling troll on this one.

Joined today to ask that question. And I’m asking now to see if anyone has to see if it’s worthwile looking for the mods and talking to the insurance

Dis86 said:
I'm calling something else, ain't troll but isn't pleasant...

What you calling? I ain’t gonna be offended and I do get why you think it seems a bit odd

iamdjdz · 27 Jun 2019 at 13:15

If this is real I'd say try get a year NCB and get off the black box before doing mods to the car. You'll save money and get used to it in the process. There's nothing wrong with a 1.6 Golf in standard spec.

Jxmie · 27 Jun 2019 at 13:20

iamdjdz said:
If this is real I'd say try get a year NCB and get off the black box before doing mods to the car. You'll save money and get used to it in the process. There's nothing wrong with a 1.6 Golf in standard spec.

Yeah it is real. And okay thanks for your advice. And yeah I agree the standard spec is still good. Tbh I just want a louder exhaust sound, I know it’s not everyone’s cup of tea but some can sound really nice. And I’m only enquiring about lowering the car just to see premium increases if anyone had done it. Thank you though

Nasher · 27 Jun 2019 at 13:23

Dont remove the muffler. On a diesel it will just sound like a transit with a hole in the exhaust and its an MOT fail.

Stephanie Peterson · 27 Jun 2019 at 13:25

Jxmie said:
Mk6 Golf TDI 1.6 bluemotion

Complete waste of time modding that like you are planning, run it for a year or two then get something a bit more remotely sporty instead of the couch on wheels you have.

Jxmie · 27 Jun 2019 at 13:26

Nasher said:
Dont remove the muffler. On a diesel it will just sound like a transit with a hole in the exhaust and its an MOT fail.

I’m not just gonna remove the muffler as I know it’s an MOT failure. If I were to mod it I would go to a professional. But the sound thing is personal preference

iamdjdz · 27 Jun 2019 at 13:26

There's actually a clause in section 7 of the Terms and Conditions for Tesco Bank Box insurance stating that cover will not be granted on a car which has been modified in any way from the manufacturers original spec excluding factory options. But it doesn't say you can't modify after cover has been given so call them and ask, but say it's just a question.

Jxmie · 27 Jun 2019 at 13:28

Stephanie Peterson said:
Complete waste of time modding that like you are planning, run it for a year or two then get something a bit more remotely sporty instead of the couch on wheels you have.

That’s another option I’m thinking of doing. But what makes you say it’s a couch on wheels??

iamdjdz said:
There's actually a clause in section 7 of the Terms and Conditions for Tesco Bank Box insurance stating that cover will not be granted on a car which has been modified in any way from the manufacturers original spec excluding factory options. But it doesn't say you can't modify after cover has been given so call them and ask, but say it's just a question.

Yeah, the car has not modications as of yet. And I have stated that in my insurance. But when I get all my paperwork and full license I will properly talk through it with someone. And hope they slightly understand cars as I’ve heard some people know next to nothing about cars who work for insurance companies

vanpeebles · 27 Jun 2019 at 13:32

Watch out for baffle bock too, the gas might try to flow the wrong way, and blow the welds on the manifold.

Kenai · 27 Jun 2019 at 13:37

Jxmie said:
I’m not just gonna remove the muffler

This is what 'muffler delete' means