Strange Insurance issue with stainless exhaust

[Mr Tidy]

So my Z4C renewal date is 12 June.

My local broker (who was very helpful when I bought my Ruby Black one) called me to check if there were any changes before they looked for renewal quotes.

I had been pleasantly surprised to find my Montego Blue one had a stainless exhaust (centre and rear sections) as it means I'll never need to replace them (and it sounds a bit better too)!

But when I mentioned that to the broker it became quite an issue! It seems that insurers regard this as a modification, and my existing insurer didn't even want to quote! Which made me think if you get a new silencer from KwikFit surely that makes the car modified too, as it isn't OEM!?

Anyway Chris Knott Insurance to the rescue and all sorted out for 12 June thankfully!

I wonder if I need to tell them if I get round to fitting the valve dust-caps I have with a BMW logo on them? :lol:

 

[ZedFourM]

I wonder if I need to tell them if I get round to fitting the valve dust-caps I have with a BMW logo on them? :lol:

You should get a reduction on your premium, on the grounds that they would make the car less desirable and therefore less likely to be stolen

 

[Mr Tidy]

I wonder if I need to tell them if I get round to fitting the valve dust-caps I have with a BMW logo on them? :lol:

You should get a reduction on your premium, on the grounds that they would make the car less desirable and therefore less likely to be stolen

So I guess you aren't a fan then? :lol:

 

[Smartbear]

So my Z4C renewal date is 12 June.

My local broker (who was very helpful when I bought my Ruby Black one) called me to check if there were any changes before they looked for renewal quotes.

I had been pleasantly surprised to find my Montego Blue one had a stainless exhaust (centre and rear sections) as it means I'll never need to replace them (and it sounds a bit better too)!

But when I mentioned that to the broker it became quite an issue! It seems that insurers regard this as a modification, and my existing insurer didn't even want to quote! Which made me think if you get a new silencer from KwikFit surely that makes the car modified too, as it isn't OEM!?

Anyway Chris Knott Insurance to the rescue and all sorted out for 12 June thankfully!

I wonder if I need to tell them if I get round to fitting the valve dust-caps I have with a BMW logo on them? :lol:

Hi, were you aware the original exhaust is also stainless steel?
Rob

 

[Mr Tidy]

No, I wasn't!

I know the tailpipes were on my previous one because I polished them, but didn't know the whole system was.

In that case I probably didn't need to tell them in the first place!

You live and (hopefully) learn! :lol: