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MG MGB Technical - engine rebored

hi everyone. had my engine rebored to +60 thou. got in touch with insurance company to find out any difference to policy and they want approx £30 on top, extra £50 on excess, and an engineers report. does that seem right to you.i cant understand the report for 70cc diference.it wasnt done for performance just to stop useing oil.
any comments.
Bob Taylor

Since 60 thou is more than most maintenance rebores it doesn't surprise me. Insurance companies charging more for minor changes is a bit like why a dog licks its privates - "they do it because they can". Coincidentally there was something on local radio this morning about the poor state of roads and the compensation claims councils are having to pay out for damage to cars etc. One lad had damaged his suspension in a pot-hole and when his insurance company looked at his car they spotted several things that young lads like to do to their cars but hadn't been declared, and nullified his insurance.
Paul Hunt

Hi Bob

Tell your insurer you had a rebore at minimum oversize to remove bore wear. The +60 is a standard overbore albeit maximum. The work is not performance mod.

Having said all that I am surprised you are being asked to pay more. is it a Classic policy? Mostly it seems that the insurer just requires a full list of the mods. Have you declared further mods?


Peter
peter burgess

I have used Peter Best for years (no relation) and declare all the mods,my car is 1950cc (80 thou?) and it's not expensive for 3000 miles/year insurance. Peter also supports the MGCC. I did put KYB shockers on the everyday Fiat turbodiesel back in the 90s and NU went ape with the premium. I fixed that by changing insurers on renewal.
Stan Best

hi all,

i am insured with footman james classic insurance, 3000 miles £95 for the year. the dearer policy and excess i may understand but i could not understand the engineers report they were asking for which is about £150 to £175. i now think where i went wrong was i got a second hand engine and rebuilt that and done a straight change over.thats why they want the report as its an engine change.if i had rebuilt original it would have been ok i think. could change engine id and say that i suppose,they are both 1971 blocks.

bob
Bob Taylor

Stan,

1950 is around 130 thou oversize!

Peter Best insures my V8 conversion and was way the cheapest and most understanding - yes, they wanted an engineers report on the conversion but that is reasonable in my view.

Bob,

Not now you have mentioned it on here - you just don't know who reads these boards!

The £150 to £175 seems excessive!

Also when I have notified engine rebores on my cars, all they were interested in was bhp before and after the work - amazingly it was the same!
Chris at Octarine Services

Bob, was that £150 for an engineers report? I must be in the wrong job!

The last modded car I insured was my 4.6 V8 sebring Roadster, I produced an engineers report on the conversion and a full list of all mods, no penalty.

If your engine is the only 'modification' , one would have thought a siumple explanatory note would have sufficed.Did you mod anything beyond a mere increase to +60?

Peter
peter burgess

I needed an engineers report when I first insured my car. I got the foreman from an independant garage in the village here to call in. We spent a pleasent 15 minutes looking round the car which he quite liked and I got that in writing. The Garage owner is a friend of a friend (this is the default position here, my wife misses nothing!) and the cost was "give him a drink".
Stan Best

This thread was discussed between 08/04/2009 and 10/04/2009

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