and also - the money you would spend on buying all the manifolds/ filters/
backbox even (if you're going back to absolute standatd) - that money could
pay for the extra modified insurance. but - like many other people - does
the insurance company HAVE to know - if its only a fancy air filter and
exhast i say its not modified - the co-op insurance is v. good for young
ppl - they only ask if the ENGINE has been modded - which you could
truthfully say no to - anyway - just my thoughts
happy mini-ing!
Ryan
> Very valid question - the car is actually for my sister who is very
> stingy, and isn't prepared to pay the extra insurance for a modified
[quoted text clipped - 15 lines]
> > > Thanks
> > > Phillip
Steve - 14 Feb 2004 10:53 GMT
> and also - the money you would spend on buying all the manifolds/ filters/
> backbox even (if you're going back to absolute standatd) - that money could
[quoted text clipped - 6 lines]
> happy mini-ing!
> Ryan
I can see your point, Ryan. But insurance companies will be insurance
companies and they will squirm out of a payout with the slightest excuse. It
is highly unlikely that a stage one kit (especially one with an element
filter, not the cone one) will be spotted by inspectors, but is it worth the
risk?
I think you would find your argument about the term 'engine' would fall on
deaf ears.
Hopefully, you would never need to test it, but the day you do, you may
regret being economical with the facts.

Signature
Rgds
Steve
steve@dsnclassics.co.uk
www.dsnclassics.co.uk
Graham W - 14 Feb 2004 11:23 GMT
> and also - the money you would spend on buying all the manifolds/
> filters/ backbox even (if you're going back to absolute standatd)
> - that money could pay for the extra modified insurance.
Ongoing, each year?
> but - like many other people - does the insurance company HAVE to
> know - if its only a fancy air filter and exhast i say its not modified
No, they don't have to know.
They could lever you wrecked mini out of the back of the BMW, prise the
bonnet open and find the squashed remains of your extractors and then
smile to themselves and hang you out to dry.
If you don;t make a claim, then any money spent on insurance is lost
money anyway, so why spend it? And if you lie to them so that they can
deny your claim, then thats wasted money too.
> - the co-op insurance is v. good for young ppl - they only ask if the
> ENGINE has been modded - which you could truthfully say no to - anyway
> - just my thoughts
In that case, tell them about your non-engine extractors and air filter.
If they agree with you, then no harm done.
If they don't agree with you, better to know now than when you come to
make a claim.
> Very valid question - the car is actually for my sister who is very
> stingy, and isn't prepared to pay the extra insurance for a modified
[quoted text clipped - 3 lines]
> yesterday my sister tried one more insurance company who quoted her
> £320
if anything, take this with you:
I live in liverpool, and have the same car as you - but non-stage1. I
pay 750 quid a year.
And yes, you read that correctly.
Take the 320 and run, man.
h