Insure a decat

[RetroPug]

It's not clear cut at all.

Supposing someone doesn't do their own work on cars takes their car to a garage and garage says your exhaust is gone we can either charge you £175 or £75. No mention of a mod by garage but if you go the cheaper one you've then invalidated your insurance due to a mod lol

That's not a good look is it. But by what your saying that's a reality people face. Also the same thing can happen when people change a tyre brand but keep the same size. Or even using 5w 40 oil instead of 10w 40 that's factory spec.

I can say in my experience with insurance they show some common sense. For instance my ninja has a stainless steel exhaust system on it but to insurers it's not a mod even though by what your saying it is

The point I'm trying to make is that because it isn't clear cut, and the insurers could argue many things were modifications if they were dicks, it is best to err on the side of caution and declare things for peace of mind.

I'd rather declare an exhaust modification and find out that it doesn't count than not do and find out that they want to argue that I invalidated my insurance.
Typically insurers just put generic terms for modifications anyway such as "exhaust modification" "headlight modification" etc. on your policy documents, so if it were me, I'd declare a full sports exhaust from the manifold back and be done with it.

No harm in calling and saying "I did this, I view it as maintenance, do you count it as a modification?"
Eg. adding mudflaps, I called and asked if this would count as a cosmetic mod or taking precautions to protect my paintwork and they said they didn't list it as a mod so all good.


I guess in summary I'm just saying "better safe than sorry".