Car insurance question

heartofwhite

Hey guys,

I bought a new car recently and my insurance is due for renewal. The car I have now had its engine replaced last year. When I am ringing around for insurance quotes I am told that I need to get an engineers report regarding the new engine spec. Has anybody ever had to do this before and if so how do I go about doing it?

Also would it cost much?

All that is written in the service booklet is "engine replaced 2011".

Any help much appreciated.

fasttalkerchat

No you don't. If the new engine is different to the original you have to tell them. For example if a 1.4 petrol was replaced with a 1.6 the insurance company need to know about it. It may cost slightly more to insure but its a legal obligation. Your mechanic will know the engine by looking at it with most cars.

coylemj

fasttalkerchat wrote: »

No you don't. If the new engine is different to the original you have to tell them. For example if a 1.4 petrol was replaced with a 1.6 the insurance company need to know about it. It may cost slightly more to insure but its a legal obligation. Your mechanic will know the engine by looking at it with most cars.

You've answered the question 'do I need to tell the insurance companies if my car had it's engine replaced?' which he didn't ask.

What he wants to know is how he goes about getting an engineer's report for a replacement engine to satisfy the insurance companies and how much it's likely to cost.

MidlandsM

OP, is the new engine bigger or smaller in CC to the one that was taken out?

heartofwhite

The guy that I bought it from stated that it was a 2005 130bph Volkswagen engine. However, I do not have any paperwork as such to back this up. I would not mind, except the Bora that I have which is a 2001, originally had 115bph. This is the AJM engine code, which is visible on the boot sticker. So if the original owner is correct, then the engine is 15bph more powerful than the original.

I do not have a problem with the insurance company asked for the info, I just do not know how to get it from a reliable source. Also, it would be beneficial if I were to sell the car on at some point to have stamped paperwork stating exactly what engine is in the car.

Kind of worried at the moment.

fasttalkerchat

coylemj wrote: »

You've answered the question 'do I need to tell the insurance companies if my car had it's engine replaced?' which he didn't ask.

What he wants to know is how he goes about getting an engineer's report for a replacement engine to satisfy the insurance companies and how much it's likely to cost.

I'm pretty sure he doesn't need an engineer's report. What I recommended is all he needs to do. If the insurance company ask for more than that I wouldn't know how to go about it.

fasttalkerchat

heartofwhite wrote: »

The guy that I bought it from stated that it was a 2005 130bph Volkswagen engine. However, I do not have any paperwork as such to back this up. I would not mind, except the Bora that I have which is a 2001, originally had 115bph. This is the AJM engine code, which is visible on the boot sticker. So if the original owner is correct, then the engine is 15bph more powerful than the original.

I do not have a problem with the insurance company asked for the info, I just do not know how to get it from a reliable source. Also, it would be beneficial if I were to sell the car on at some point to have stamped paperwork stating exactly what engine is in the car.

Kind of worried at the moment.

Sorry I may have misunderstood your original post.
When you say "I am told that I need to get an engineers report regarding the new engine spec" do you mean that an insurance company asked for this?
I had assumed that a friend said you might need something like that.

heartofwhite

fasttalkerchat wrote: »

Sorry I may have misunderstood your original post.
When you say "I am told that I need to get an engineers report regarding the new engine spec" do you mean that an insurance company asked for this?
I had assumed that a friend said you might need something like that.

No, the insurance companies are asking for it. My insurance is due for renewal in two weeks and I rang five places today. When they asked about any modifications to the car, I told them about the engine. At this point, they have all requested an engineers report before they can proceed with a quotation.

CiniO

heartofwhite wrote: »

No, the insurance companies are asking for it. My insurance is due for renewal in two weeks and I rang five places today. When they asked about any modifications to the car, I told them about the engine. At this point, they have all requested an engineers report before they can proceed with a quotation.

That's pretty much understandable.
If you fitted stronger engine, they want to know that car is still safe, as often stronger engine verisions have bigger brakes, bigger wheels, different suspension, etc. So it's nothing strange they require engineers report to make sure car is safe with bigger engine.

fasttalkerchat

According to Liberty insurance it can be done by:
- Main Dealer - - Member of the Institute of Automotive Engineer Assessors - - SIMI Approved Garage - - DOE Test Centre -
Here's a link to their form: http://www.libertyinsurance.ie/documents/ireland-engineers-report-form.pdf

It might be worth calling these places for quotes too:
http://www.iaea-online.org/Ireland.asp?Flash=YF

Design_Dude

AFAIK most main dealers/SIMI garages will give you a report for 150-200.
Some insurance companies require them, some don't.

If your changing size of engine, you'll need to fill out a RF111 form for tax etc by rights

heartofwhite

Design_Dude wrote: »

AFAIK most main dealers/SIMI garages will give you a report for 150-200.
Some insurance companies require them, some don't.

If your changing size of engine, you'll need to fill out a RF111 form for tax etc by rights

Thanks for all the info guys, really helpful. I am going to contact the dealer that I bought it from first off and see if he has any paperwork for it. Failing that, I will probably contact H.J. Lee in Lucan and see how much it costs. 150 seems very expensive though!