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Brakes and pads - uprated vs. OEM insurance
- dunks
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Brakes and pads - uprated vs. OEM insurance
Gents,
Just taken delivery of some Mtec drilled and grooved discs and mintex pads, but after looking around these are classed as a modification.
To save potential hassle with current and future insurance does anyone have any recommendations for some OEM discs and pads? I've found front and rear discs and pads for roughly the same cost as the Mtec kit, ATE discs and Textar pads and these seem to be OEM spec.
The car in question is an 2004 2.5.
Just taken delivery of some Mtec drilled and grooved discs and mintex pads, but after looking around these are classed as a modification.
To save potential hassle with current and future insurance does anyone have any recommendations for some OEM discs and pads? I've found front and rear discs and pads for roughly the same cost as the Mtec kit, ATE discs and Textar pads and these seem to be OEM spec.
The car in question is an 2004 2.5.
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Brakes and pads - uprated vs. OEM insurance
brembo discs,
pads upto yourself, for me personally ferodo dsc2500, but they can get squeaky from time to time on light braking
pads upto yourself, for me personally ferodo dsc2500, but they can get squeaky from time to time on light braking
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Brakes and pads - uprated vs. OEM insurance
Well thats a bit silly, you improve your stopping ability and have to pay extra for being a safer road user.
What next, painted calipers being classed as an upgrade.
Alpina Roadster S LUX #030
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Brakes and pads - uprated vs. OEM insurance
I presume it's because of the drilling/grooving of them that they put the insurance up? Rather than the finish colour?
Sterling Grey 3.0i E85 Black Heated Leather M sports seats , 224's ,Sat Nav, Bluetooth, Xenons, PDC, Gaptech ,Cruise and a nice warm garage. NOW GONE
Silver 3.0i Z4 NOW GONE
Silver 3.0i Z4 NOW GONE
- dunks
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Brakes and pads - uprated vs. OEM insurance
Yeah, it seems pretty silly. I assume because OEM is vented front and solid rear, anything other than that is classed as a 'performance' upgrade and being able to stop faster means you'll drive faster
- MACK
- Lifer
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Brakes and pads - uprated vs. OEM insurance
I'd just send the discs back if it worries you and get some none grooved/drilled as they're the only thing any insurance assessor will ever actually notice in the event of a claim.
Brake pads wise you should be fine.
If you think about it logically as a typical car owner and you take your car to garage (whether it be a dealer/specialist or indie) for a pad replacement there's a strong likelihood you will come out with a different brand than you went in with. This doesn't invalidate your insurance though.
Brake pads wise you should be fine.
If you think about it logically as a typical car owner and you take your car to garage (whether it be a dealer/specialist or indie) for a pad replacement there's a strong likelihood you will come out with a different brand than you went in with. This doesn't invalidate your insurance though.
Silver 05 3.0i SE
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Mods inc - F/L Xenons Clear Ind Rear Lights M Sport Seats & Wheel Eibach/B4 3.64 DIFF (SOLD)
White E89 20i M Sport
Mods inc- B12 kit, M3 Arms, 18" Zito 935's with PS4's, Decat & Remap, Switchable Exhaust Flap (SOLD)
- Silverzedtom
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Brakes and pads - uprated vs. OEM insurance
Your insurance company will probably charge you around £20 for the admin. Is it really worth sending them back?
E85 2.5si
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F55 Cooper S
- dunks
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- Joined: Mon Jun 26, 2017 10:59 pm
Brakes and pads - uprated vs. OEM insurance
Yeah, it seems silly, plus I doubt I'd even noticed the 'benefits' drilled and grooved discs give you. I just wanted the bling factor, and ~£160 all in for discs and pads seemed a good deal!MACK wrote: ↑Mon Feb 12, 2018 7:22 pmI'd just send the discs back if it worries you and get some none grooved/drilled as they're the only thing any insurance assessor will ever actually notice in the event of a claim.
Brake pads wise you should be fine.
If you think about it logically as a typical car owner and you take your car to garage (whether it be a dealer/specialist or indie) for a pad replacement there's a strong likelihood you will come out with a different brand than you went in with. This doesn't invalidate your insurance though.
Awaiting what they'll quote me, my insurer was rubbish on the phone and didn't get what I was after so had to email them.Silverzedtom wrote: ↑Mon Feb 12, 2018 7:26 pmYour insurance company will probably charge you around £20 for the admin. Is it really worth sending them back?
Brakes and pads - uprated vs. OEM insurance
Other than the look, there aren't really any benefits from drilled and grooved.
this is worth a watch...
https://www.youtube.com/watch?v=78wbht355R8
- dunks
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Brakes and pads - uprated vs. OEM insurance
Settled on ATE discs and Textar pads.
- dunks
- Member
- Posts: 103
- Joined: Mon Jun 26, 2017 10:59 pm
Brakes and pads - uprated vs. OEM insurance
Still waiting on my insurer to get back to me but ran some quotes on Admiral with uprated brakes and no modifications and the difference in cost was £10-20. Annoying!
- hopz121
- Lifer
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Brakes and pads - uprated vs. OEM insurance
If you are looking for an upgrade OP id go and fit the OEM E46 330Ci / Z4 3.0Si set up, works great and is cheap too
2004 BMW E46 M3 Coupe - Manual - Silver Grey
2017 BMW F31 318d M-Sport - Auto - Glacier Silver
2007 Porsche Cayman 2.7 - Manual - Arctic Silver
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2003 BMW E85 Z4 3.0i - Gone
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Brakes and pads - uprated vs. OEM insurance
I got Pagid discs and pads all round for my coupe from carparts4less. Think it was around £230 with a discount code
Z4 Coupe, 58 plate, black, love it
- Mr Whippy
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Brakes and pads - uprated vs. OEM insurance
OE Textar/ATE are great imo.
I just bought new recently, bedded in with hard heat cycles, recent new fluid and recon calipers, and the stopping power and feel is great.
Discs/pads were about £130 with a recent offer at ECP iirc.
No they're not top heavy super bitey stuff but for fast road use and great modulation and H&T they're great.
Main downside though is dust is at the worse end.
I just bought new recently, bedded in with hard heat cycles, recent new fluid and recon calipers, and the stopping power and feel is great.
Discs/pads were about £130 with a recent offer at ECP iirc.
No they're not top heavy super bitey stuff but for fast road use and great modulation and H&T they're great.
Main downside though is dust is at the worse end.
04 3.0i, Titanium Silver, 107s, red m-sport interior
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Brakes and pads - uprated vs. OEM insurance
The assessor and insurance company would have to prove that these performance brakes contributed to the accident to deny a payout. If someone t bones you running a red light then it's not logical cause for the grooved discs to be a factor. If you're skidding out of control then it's plausible.
MR-2 Turbo Rev2
Yep no Z yet. On the hunt.
Yep no Z yet. On the hunt.