Adrian Flux insurance.
- Thread starter Johnnyb0
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That's good news, but what were you told about modifications that increase power, we cover all modifications.
Can you PM me your postcode and surname so that I can check who told you this and educated them accordingly?
Can you PM me your postcode and surname so that I can check who told you this and educated them accordingly?
Many years ago I called Adrian Flux to insure my car.
We did the deal and I was asked when I wanted the insurance to start.
"Tomorrow morning" I said, "because I am taking the car for an engine tune at 9 oclock"
The lad on the phone would not then insure my car until I declared modifications, He thought a tune up was major engine mods
I could not get him to understand what a crypton tune up was, and that my engine would run more efficiently when it had been done.
He insisted that if the engine was tuned and running better then I would have to declare what had been done to it and pay extra
Guess what I did
We did the deal and I was asked when I wanted the insurance to start.
"Tomorrow morning" I said, "because I am taking the car for an engine tune at 9 oclock"
The lad on the phone would not then insure my car until I declared modifications, He thought a tune up was major engine mods
I could not get him to understand what a crypton tune up was, and that my engine would run more efficiently when it had been done.
He insisted that if the engine was tuned and running better then I would have to declare what had been done to it and pay extra
Guess what I did
overtime or loony zone better than facebook? 21:44
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Landowner,
In short, he is right. ANY change to a vehicle after if has rolled out of the factory is a modification, even if it's something that you can add as an optional extra at manufacture eg. removing the standard seats from a car and replacing them with the optional heated seats. Replacing steel wheels with alloys that would have been an optional extra.
In tuning the engine you change the management system from is manufactured settings, or interrupt the signal between the ECU and mechanics of the engine to increase the performance. You're right, this can be done for efficiency BUT it DOES count as a modification, and must be delcared. The comment that you would need to pay more isn't strictly true, modifications can actually DECREASE your premium.
Neither, I like it here. I'm looking to get rid of my current motor and get a LR 90 this is by far the biggest forum with people who have a lot of knowledge. The fact that I can also helps you guys out at the same time make it more enjoyable for me
Landowner,
In short, he is right. ANY change to a vehicle after if has rolled out of the factory is a modification, even if it's something that you can add as an optional extra at manufacture eg. removing the standard seats from a car and replacing them with the optional heated seats. Replacing steel wheels with alloys that would have been an optional extra.
In tuning the engine you change the management system from is manufactured settings, or interrupt the signal between the ECU and mechanics of the engine to increase the performance. You're right, this can be done for efficiency BUT it DOES count as a modification, and must be delcared. The comment that you would need to pay more isn't strictly true, modifications can actually DECREASE your premium.
Neither, I like it here. I'm looking to get rid of my current motor and get a LR 90 this is by far the biggest forum with people who have a lot of knowledge. The fact that I can also helps you guys out at the same time make it more enjoyable for me
How old are you? if your old enough to remember tuning carbs and ignition timing etc then it was a service Item on factory standard cars using a Crypton Tune or similar to check ignition timing and CO
So service adjustments are not performance modifications and your talking BOLLOCKS
An oem quality part is not a modification and a modification would be a performance cam etc, I feel your the electronic age and not used to adjustable service Items
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Landowner,
In short, he is right. ANY change to a vehicle after if has rolled out of the factory is a modification, even if it's something that you can add as an optional extra at manufacture eg. removing the standard seats from a car and replacing them with the optional heated seats. Replacing steel wheels with alloys that would have been an optional extra.
In tuning the engine you change the management system from is manufactured settings, or interrupt the signal between the ECU and mechanics of the engine to increase the performance. You're right, this can be done for efficiency BUT it DOES count as a modification, and must be delcared. The comment that you would need to pay more isn't strictly true, modifications can actually DECREASE your premium.
Neither, I like it here. I'm looking to get rid of my current motor and get a LR 90 this is by far the biggest forum with people who have a lot of knowledge. The fact that I can also helps you guys out at the same time make it more enjoyable for me
This was an old classic Mini. no ECU, an engine tune was setting tappets and ign timing, carb etc, setting it back to factory spec not enhancing or changing anything so he was wrong, the lad just heard the word tune and decided I was a boy racer.
I did try and explain that it was routine maintenance after repairs for MOT rather than tuning up the engine for more power but he was not listening
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I'm 20, and no, I know very little about carbs. If the 'Crypton tune' is only used to check the engine then you are right, in itself it wouldn't count as a modification.
As long as they are adjusting the engine back to it's factory standard performance then you are right. But if they were to increase the efficiency of the engine, thus increasing the performance from factory standard, it would be considered a modification.
You're right. If you were to replace your exhaust with an OEM exhaust which was the same as the original then it wouldn't be a modification. But for example, if a car was manufactured with 16'' alloys, and you replace them with 19'' alloys which were an optional extra at manufacture, that is a modification, because you have changed how the vehicle was at its factory spec.
In which case, yes, he is wrong! If you PM me your postcode and surname I'll look into who it was so they can be educated accordingly.
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Flux have been trading a long time, they were the place to go for hot hatches and modified cars, I used them for my Mini Cooper which was quite old but still classed as a performance car.
No emissions tests those days as no equipment to test. Only newer cars had ECU, most on carbs and easy to do yourself.
It's good to hear that I don't have to declare setting my tappets or tuning my carb but I'll bet that when I try for Landy insurance with Flux it will be twice the price of what I'm paying now, it was last time!
(700+ never claimed, clean licence WA1 aged 65 healthy !!)
My quote for the MINI was in the 1990's by the way
No emissions tests those days as no equipment to test. Only newer cars had ECU, most on carbs and easy to do yourself.
It's good to hear that I don't have to declare setting my tappets or tuning my carb but I'll bet that when I try for Landy insurance with Flux it will be twice the price of what I'm paying now, it was last time!
(700+ never claimed, clean licence WA1 aged 65 healthy !!)
My quote for the MINI was in the 1990's by the way
Fair play for being upfront and a tune up in the old days would be a service adjustment today.
