ok my basic dilema at the moment is this, i have a set of shiny twin 40's sitting under my bed at the moment just begging to be fitted over the winter months. i'm insured through adrian flux and it's on a classic policy so had to send pictures including the engine bay. obviously i'll have to declare if i fit them but will they allow me to "modify" a vehicle insured as a classic?

I'm insured with Adrian Flux, they only asked me the engine size and the type of car. I asked if they wanted to know power / torque figures etc or any details of how the engine had been installed and they said they didn't need to know. I'm on a kit car policy with limited mileage (very reasonable price too). Might be worth asking if you can change the policy type ?

If you are even in slight doubt you know you need to tell them - I would not be surprised if there is no charge. Insurance companies can be b*s*a*ds if they think they can wiggle out of a claim. I think you'll find Footman-James (NTDWM!) are more competitive and understanding - they have sussed bike engines, but nonetheless are good, and appreciate you are less likely to bend, or abuse, a car you built yourself.

the reason they put my indy on a classic policy is my age and the fact i have zero NCB to apply to the policy as it's all tied up on my other car and van.

they didn't ask any spec of the engine at all apart from CC but it's just the fact i had to send them pictures including the engine bay so if anything was to happen all they would have to do is look at the pictures and they would know it didn't have twin 40's on when i insured it........but then again were the pictures just for initial valuation and they'll likely have binned them now?!

if you have a major claim and you want them to pay out, they will find anyway they can to wriggle out of it.

From a different perspective, if you were insuring someones car, as a risk assessed on it having a certain performance level, would you want to pay out if you found someone had upped the potential risk and hadnt told you?

I would report the mods. These days, if you change the alloys on a car or fit a spoiler, it specifically says in the policy you have to inform the ins co. They are hardly real world performance mods.

atb

steve