big engine car insurance ????

[grandas_shed]

i was just wondering.
if you put a different engine (not a standard one ) into a car. (say put a 2L pinto into a viva) how do it affect the insurance. do it cost much more to insure? and is it still clasified as a classic.

anything else that it could affect, like tax class if the car was tax excempt before the engine change

[hb estate]

mines been changed from 1159 to 1256 been declared plus aloy wheels small stearing wheel jacked up suspenion tow bar was atualy cheaper than a standard car still free tax its worth noteing that some companys regard a tow bar a minor modification

[Spence]

give me a few months and i'll let you know

[ade]

With a specialist company it is fairly inexspensive, I pay £225 fully comp with all the mods declared value at £10,000
My mods include (If you aint seen the car) 5.7ltr v8 jag axle big fat wheels body kit etc

[ade]

With a specialist company it is fairly inexspensive, I pay £225 fully comp with all the mods declared value at £10,000
My mods include (If you aint seen the car) 5.7ltr v8 jag axle big fat wheels body kit etc

[Jon-HPF]

i was just wondering.
if you put a different engine (not a standard one ) into a car. (say put a 2L pinto into a viva) how do it affect the insurance. do it cost much more to insure? and is it still clasified as a classic.

anything else that it could affect, like tax class if the car was tax excempt before the engine change

Any mod should be declared to insurance company , allthough it may not alter the premium.
Lots of classic cars have some kind of modification , possibly modern engine/ gearboxes / brakes etc , IMO they are still classics although many may say they are not a pure classic (kept as original)
I havent heard of anything that effects the tax exempt status - other than reregistering to a newer plate such as "q" plate if no v5 is available or reshelling etc.
Thats probably why there are so many big engine conversions done to tax exempt cars .
Your Cresta at 3.3 ltr would be quite costly to tax if it wasnt exempt
Cheers - Jon

[coggers]

Agree with what the lads are saying tbh ..

Insuring an older car with modifications isn't like insuring something newer . In a lot of cases the difference in insuring an old car , then insuring the same car but modified is negligible.

To give you an idea ..

My Viva has got a 2.0 inj , 5spd , -60mm gas suspension , polybushed , alloys , cage , harnesses blah blah - £180 fully comp on a 3000 mile a year policy ( and agreed value too)

I've also got a '77 kadett hatch - bog standard engine/box but -75mm suspension , polybushed , cage - £120 fully comp , 3000 miles a year policy ( and also agreed value ).

I appreciate they're different cars but one's a 1.2 and it's £120 to insure , the other's a 2.0 and it's £180 .. nowt between them really .

Plus on the Viva it's a policy that I can accrue no claims bonus with unlike some of the cheaper 'classic' policies ..

When I was ringing around for quotes a few years back the only real stumbling block I had was because of the cage . There are loads of companies who will quote you happy regarding suspension changes , engine swaps etc but as soon as you mention 'rollcage' that seems to narrow it down to a handful.

I've been with HIC for years now and found them to be okay . Pretty sure Adrian Flux are part of the same company too.


Oh and yeah , declare everything . My insurance company know that I've got a front splitter , bullet mirrors , central locking , a different gearknob , a K+N filter - don't miss anything out , it ain't worth it !

[Po79]

My HC (1256) with a 2.0ltr fitted is £350 a year fully comp with 12,000miles.

With the standard engine it was costing me £150 fully comp.

This year money was tight so I went third party fire and theft and it was £250.

I didn't realise tax exempt cars stayed tax exempt after an engine conversion! The only thing I didn't think about when I did the conversion was the big jump in tax class.

I'm with Adrian Flux.

Po79.