After having my Z4 roadster over 6 months now, I am considering fitting a rear carbon fibre diffuser on it (I may have to keep my Z4 for 2 to 3 years). I got a fitted price from local BMW dealer, which is £450 including VAT, labour and part. The only outstanding issue is insurance.
My current insurer is Morethan, and the policy does not allow any modifications that increase performance, speed or acceleration. How do you interpret it? The insurance policy expires in 2 months, I can change it to other insurers later anyway. But if I have the diffuser fitted now and something happens later, they will refuse any claims.
My understanding is that rear diffuser helps increasing the downforce (performance???). I spoke to Morethan, and they said if OEM parts are to be used, the cover will still be valid and premium will not be affected. Only when aftermarket parts are used, then they will not cover. Does it make sense?
For CJ/Breaker: Do your exhaust system/diffuser affect your insurance premium? I compared my car with/without diffuser, the difference is between £100 and £150.
My current insurer is Morethan, and the policy does not allow any modifications that increase performance, speed or acceleration. How do you interpret it? The insurance policy expires in 2 months, I can change it to other insurers later anyway. But if I have the diffuser fitted now and something happens later, they will refuse any claims.
My understanding is that rear diffuser helps increasing the downforce (performance???). I spoke to Morethan, and they said if OEM parts are to be used, the cover will still be valid and premium will not be affected. Only when aftermarket parts are used, then they will not cover. Does it make sense?
For CJ/Breaker: Do your exhaust system/diffuser affect your insurance premium? I compared my car with/without diffuser, the difference is between £100 and £150.
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