Insurance

[dimebucker]

Opinions needed

Do you think someone could get away with this (hypothetically speaking)

engine swap to m50b25, but tell the insurance company and V5 that you've installed the m50b20, i mean, if you got caught would they even bother to look at the engine serial number (if there is one).

just curious

[E30BeemerLad]

just not worth the risk.

When you actually need the insurance, you'll get screwed. So you'll pay the premiums and get nowt in reverse. I don't just mean that you won't get paid out for your car, but if you have a fault accident and damage someone else's property or injure them, your insurers will still have a legal obligation to deal with the third party claim, but then they'll come after you for the money they have just paid out.

I wouldn't imagine the premiums are massively different between a B20 and a B25 M50 as it still is an engine swap, so you're always going to get violated for a few quid

[dimebucker]

yeah, your probably right, thanks, its just the fact that the engines look similar..
the 'hypothetical' company doesnt support any modifications anyway!

[maf260]

If somebody were to try this, it would be both stupid and illegal.

If you cannot afford the insurance then don't buy/modify the car.

Cheaper premiums are great, the true measure of insurance and the company which provides it is when you need to make a claim. These companies are in business to make profit like any other. They will look for every way to avoid paying out, especially if you drive a modified car.

[S2Avant]

Give them the engine number. Tell them it's cc. Do you think they will know / check what engine it is?