just want to know can an insurance company ask you for an bhp print out b4 they insure you
or is it worth lying about your bhp to them

 

depends how badly you are lying, if its 10-15bhp its highly unlikely they can tell, however 50bhp imo could cause enough of a difference between you being able to handle it and bin it, dependant on the car of course

I wouldnt lie to my insurance company over anything tbh, as if you need it and its not 100% you are buggered!

 

Generally, the best bet is to overestimate the power output instead of underestimating it if you are asked what it produces - that way you won't get shafted should the worst happens.

 

asked "what'll it do mister?" i said "possibly 520, but it's going to struggle to get close to 400"

so they've insured it at 520

 

gracey
i dont think i can overestamate what it produce now m8, they wont touch it now its dyno proven 800 bhp they did when it was 600 with nos

 

200bhp is a massive amount to be forgetting about, i wouldnt personally risk voiding my insurance

If you have that amount of power surely there are specialised insurance companies to cover you?

Sarah

 

Big grey area imo is bhp at the wheels or fly????

either way you could blag it cos they don't state which one

Paul

 

yea there is ,but hic wont touch it iam gonna try adrian flux and see what they say

 

id go along that line, see what their quote is, obviously power ATW would be a better number to give them especially if they dont ask

 

have you tried Green light?

 

i have tried greenlight last week but i could not get to speak to anyone in person
does tony from green still come on here

 

Hi Guys,

Just to clarify, Greenlight have covered performance and modified cars since 1996 and all this time we have always looked at the flywheel as where to gauge the output.

This has been listed upon our website since we've had an internet site and all modified report forms used historically declare BHP @ Flywheel.

Deliberate non-disclosure would be regarded as fraudulent behaviour by all undewriters and if a claim is repudiated due to this you'll also be starring upon an Insurance data exhchange near you (Experian, Que, MIAFTR etc).

In this day and age there are numerous insurers that can cater for heavily modified cars, so non-disclosure is not a route that you need to take - just use a specialist.

Kind regards

Tony

 

Hi Ricky,

We would ask for a full list of vehicle modifications (ie list of everything that is different from when the original vehicle left the factory) when making an application and would review this in conjunction with your declared BHP figure.

The listed modifications would give a fairly accurate indication of the possible output of the vehicle and this could be backed up by further research with tuner/manufacturers on the rare occasions that we are unable to determine this.

As for other insurers/insurance providers, if they do not have experience within this area of the Insurance market they will be relying upon your declaration - which would only be investigated at the time of a claim.

If the undeclared information falls outside of their acceptance criteria it would give them the ability to decline a claim payment.

From a Greenlight perspective we do drill down and ask the correct questions to ensure that our Undewriters have the full detail at the start of the policy. We like the fact that our clients spend upon their vehicle and can cater for most modifications.

Kind regards

Tony