Dealer Performance Enhancement - Insurance - Dingle232

I'm looking to get a dealer installed BHP upgrade on my Volvo so that the warranty etc will still be valid. This will increase from 150 to 177 BHP but my current insurance company point blank refuses to insure me statimg that it's their policy not to support modifications. They also refuse to insure me if I put 16" steel wheels on with winter tyres during the winter can you believe?

I have done research on lots of the comparison sites and plenty are willing to insure but at extra premiums to the tune of c£200. I am not prepared to pay that.

Has anyone any experience of specialist insurers that they would recommend who are likely to have a more pragmatic approach?

Thanks in advance.

Dealer Performance Enhancement - Insurance - skidpan

Buy a car with the performance you need rather than having to modify a lesser model. It will be more reliable and no problem to insure.

Most insurers cover winter wheels with no issue, we use Aviva.

Most of these tuning boxes are just a diode that adds more fuel. Even the best are little more than a cheap circuit board.

Can I ask, why is 150 bhp not enough. My current car is a 140 bhp petrol turbo and it flies, my last one was 143 bhp diesel turbo which was nearly as quick. Both are more than capable of overtaking most cars on the road when needed so why on earth do you need that amount of power.

Dealer Performance Enhancement - Insurance - Dingle232

It's not a tuning box it's Volvo Polestar; as I said it's a dealer enhancement not a back street Bob jobbie.

My insurance have point blank refused so I am looking at alternatives and after recommendations for specialist insurers that are happy to insure modifications of this type. I had actually heard that Aviva are pretty accommodating so will give them a call.

Dealer Performance Enhancement - Insurance - skidpan

It's not a tuning box it's Volvo Polestar; as I said it's a dealer enhancement not a back street Bob jobbie.

Bet the Volvo dealer buys them from "back street bob", sticks on a fancy badge and doubles the price.

Dealer Performance Enhancement - Insurance - Dingle232

It's not a tuning box it's Volvo Polestar; as I said it's a dealer enhancement not a back street Bob jobbie.

Bet the Volvo dealer buys them from "back street bob", sticks on a fancy badge and doubles the price.

Doesn't look like it does it? www.polestar.com/en-int/start/

Anyway, as this forum yet again has a habit of giving advice that haven't been asked for I'll get back on topic. Has anyone (good or bad) exerience of brokers or insurers that are happy to include that kind of modification? I'd appreciate any recommendations or experiences.

Thanks again.

Dealer Performance Enhancement - Insurance - RobJP

With it being an 'official' modification, I'd be surprised if you had a great deal of difficulty in getting insurance. Same goes for the steel wheels and winter tyres. It makes the car safer, not more dangerous.

Unfortunately, some insurance companies have a 'tick list', where the computer rules everything, and there is no discretion at all. This was the case a few years ago with winter tyres, and a lot of companies trying to milk customers for extra cash for 'modifications' - even though those modifications made the cars safer, and showed responsible owners trying to reduce risk to the insurance company, at their own cost !

All I can suggest is to phone around. Try local brokers, and also try Volvo car insurance, run through Volvo (though it's probably just one of the big companies - sods law says probably the one that has turned the modification down, but wearing their 'Volvo' hat will quote you !

Finally, I'd give your existing insurance Co. a final chance to quote you again. Point them in the direction of this thread - especially regarding winter tyres - and inform them that if they STILL say that steel wheels and winter tyres will attract an additional premium, then you'll name and shame them, for trying to gouge customers.

Dealer Performance Enhancement - Insurance - Dingle232

With it being an 'official' modification, I'd be surprised if you had a great deal of difficulty in getting insurance. Same goes for the steel wheels and winter tyres. It makes the car safer, not more dangerous.

Unfortunately, some insurance companies have a 'tick list', where the computer rules everything, and there is no discretion at all. This was the case a few years ago with winter tyres, and a lot of companies trying to milk customers for extra cash for 'modifications' - even though those modifications made the cars safer, and showed responsible owners trying to reduce risk to the insurance company, at their own cost !

All I can suggest is to phone around. Try local brokers, and also try Volvo car insurance, run through Volvo (though it's probably just one of the big companies - sods law says probably the one that has turned the modification down, but wearing their 'Volvo' hat will quote you !

Finally, I'd give your existing insurance Co. a final chance to quote you again. Point them in the direction of this thread - especially regarding winter tyres - and inform them that if they STILL say that steel wheels and winter tyres will attract an additional premium, then you'll name and shame them, for trying to gouge customers.

Very helpful post thank you.

Dealer Performance Enhancement - Insurance - skidpan

Just looked at the website.

For the V40 T3 (which I considered when I bought my last new car) there is a Polestar enhancement available.

It increases the max BHP from 150 to 180 (both at 5700 rpm) which looks like a nice increase.

But the max torque (240 Nm) remains exactly the same as before but spread over a slightly wider rev band,1600 - 5000 instead of 1600- 4000.

I don't know about you but when I drive I rarely rev the engine to the heady heights of 5700 which you would need to do to access this extra power. I own a new Seat Leon 1.4 TSi which has pretty similar power charisteristics to the V40 and in day to day driving I find that the torque these modern engines have means you rarely have to rev much above 4000. But when you do floor it the 140 bhp my Leon has combined with the flat torque curve (250 Nm) means it really flies. I have yet to think to myself "this car could do with more power".

The T3 plus Polestar appears to give exactly the same power output as the T4 so why not simply buy the T4 if you think you need 180 bhp, no insurance dificulties since its not a modified car.

Dealer Performance Enhancement - Insurance - Dingle232

Just looked at the website.

For the V40 T3 (which I considered when I bought my last new car) there is a Polestar enhancement available.

It increases the max BHP from 150 to 180 (both at 5700 rpm) which looks like a nice increase.

But the max torque (240 Nm) remains exactly the same as before but spread over a slightly wider rev band,1600 - 5000 instead of 1600- 4000.

I don't know about you but when I drive I rarely rev the engine to the heady heights of 5700 which you would need to do to access this extra power. I own a new Seat Leon 1.4 TSi which has pretty similar power charisteristics to the V40 and in day to day driving I find that the torque these modern engines have means you rarely have to rev much above 4000. But when you do floor it the 140 bhp my Leon has combined with the flat torque curve (250 Nm) means it really flies. I have yet to think to myself "this car could do with more power".

The T3 plus Polestar appears to give exactly the same power output as the T4 so why not simply buy the T4 if you think you need 180 bhp, no insurance dificulties since its not a modified car.

Well, a few reasons:

1 - I have a diesel, the D3, which has 150 BHP.

2 - I have just bought it so am not in a hurry to sell it, quite the opposite. I bought a D3 as there wasn't a D4 (which has the 180 BHP as standard) available in the spec I want within my budget. When I was looking, and I took my time, an equivalent D4 was £3k more.

3 - Effectively what I am doing is 'uprating' to a D4 for much less than the price differential between buying a D3 and D4, even allowing for anticipated insurance increases which I want to minimise, hence the reason for the post. FI this upgrade costs about £600 as some dealers have offers on, much less than the D3-D4 differential was.

Dealer Performance Enhancement - Insurance - Mike H

Buy a car with the performance you need rather than having to modify a lesser model. It will be more reliable and no problem to insure.

...............

Most of these tuning boxes are just a diode that adds more fuel. Even the best are little more than a cheap circuit board.

"Modifying a lesser model" is not necessarily an issue, and needn't compromise reliability. Reputable firms do not "just add a diode", and as a general rule, use of their upgraded engine management systems don't affect fuel consumption but can significantly enhance driveabilty. Manufacturers would not offer them during warranty period if they were detrimental to the reliability and longevity. We all have a free choice, and should you wish to be saddled with what you have bought, it's your option ;-)

My Saab had an upgraded engine management system at around 90k, and has recently hit the 212k mark, perhaps the unreliability will rear its ugly head when it hits mega-milage :-)

Dealer Performance Enhancement - Insurance - Auristocrat

They also refuse to insure me if I put 16" steel wheels on with winter tyres during the winter can you believe?

Yes - its the change in wheel size that counts as a modification, not the fact that the wheels are steel or the tyres are winter tyres.

Dealer Performance Enhancement - Insurance - Dingle232

Appears to be correct but I don't think you can get 17" steelies?

Dealer Performance Enhancement - Insurance - skidpan

They also refuse to insure me if I put 16" steel wheels on with winter tyres during the winter can you believe

I use 16" steels on my Leon during the winter and Aviva had no issue with it. They are genuine VAG wheels which are exactly the same size and offset etc as the alloys.

On my BMW Aviva had no issue with me fitting 16" winter tyres instead of the 17" alloys basically since there was a variant fitted with 16" wheels.

Edited by skidpan on 23/07/2014 at 12:51

Dealer Performance Enhancement - Insurance - Doc

I

Has anyone any experience of specialist insurers that they would recommend who are likely to have a more pragmatic approach?

Get a quote from Dave Auden & Associates:

www.rallycar-insurance.co.uk/about-us.as

www.rallycar-insurance.co.uk/index.asp

Edited by Doc on 23/07/2014 at 13:21

Dealer Performance Enhancement - Insurance - skidpan

I have a diesel, the D3, which has 150 BHP

And it has 350 Nm of torque (250 lbs/ft) which should be more than enough on any public road.

I have just bought it so am not in a hurry to sell it, quite the opposite. I bought a D3 as there wasn't a D4 available.

Why did you simply not wait for the car you wanted if its so important to have such huge amounts of power.

Just be happy with what you have.

Dealer Performance Enhancement - Insurance - Manatee

There should be a committee to tell us all what cars we should like.

It would save us all having to decide for ourselves:)

Dealer Performance Enhancement - Insurance - Dingle232

There should be a committee to tell us all what cars we should like.

It would save us all having to decide for ourselves:)

Indeed. There are many candidates for Chairman.

Dealer Performance Enhancement - Insurance - Dingle232

I have a diesel, the D3, which has 150 BHP

And it has 350 Nm of torque (250 lbs/ft) which should be more than enough on any public road.

I have just bought it so am not in a hurry to sell it, quite the opposite. I bought a D3 as there wasn't a D4 available.

Why did you simply not wait for the car you wanted if its so important to have such huge amounts of power.

Just be happy with what you have.

I didn't ask for your 'advice' on what car to get, whether to change or whether I should be happy with it. It's equal to my telling you not to be happy with yours and go and change it. Similarly if 150 BHP was 'enough; then they wouldn't be making cars with more would they?

It may indeed be enough 'for you' but not for others. I'm capable of making that decision for myself - it's not what I asked for comments on.

I asked about insurance so, politely, if you can't/won't answer my question leave it to those who can/will.

Dealer Performance Enhancement - Insurance - skidpan

I asked about insurance so, politely, if you can't/won't answer my question leave it to those who can/will.

I answered your question about insurance by suggesting Aviva.

I then gave my personal opinion about the total stupidity about buying a new car and then sticking a magic box on it to increase the performance to a level not required on a public highway (that is providing the box actually works).

Is there a forum rule that prevents that.

Dealer Performance Enhancement - Insurance - Dingle232

I asked about insurance so, politely, if you can't/won't answer my question leave it to those who can/will.

I answered your question about insurance by suggesting Aviva.

I then gave my personal opinion about the total stupidity about buying a new car and then sticking a magic box on it to increase the performance to a level not required on a public highway (that is providing the box actually works).

Is there a forum rule that prevents that.

1. You did re: Aviva - thank you. That's all I asked for.

2. I didn't ask for your personal opinion. I'm not interested in it.

3. No - but it's a pity.

Dealer Performance Enhancement - Insurance - pcvpilotmick

Try www.adrianflux.co.uk they insure modified vehicles

Dealer Performance Enhancement - Insurance - TedCrilly

Insurance companies work off stats and statistically people who mod their cars make more claims than those who dont, consequently you will be seen as a higher risk. Its not so much as what you are doing thats making them twitchy......its the fact you are doing it and some companies are more twitchy than others.

Easiest way is to use a broker and get them to find you a policy where the underwriters are a bit more accomodating, Adrian Flux and Chris Knott seem to rate highly in this respect.

You could pick up a generic `Performance orinetated car magazine`. The back pages will be full of insurance companies pleading with you to call them for a quote.

Dealer Performance Enhancement - Insurance - Hamsafar

The less said to insurers the better, insurance is just a peice of software with checkboxes and each one they tick it goes up in premium.

Dealer Performance Enhancement - Insurance - alan1302

1. You did re: Aviva - thank you. That's all I asked for.

2. I didn't ask for your personal opinion. I'm not interested in it.

3. No - but it's a pity.

If you don't want a personal opinion from a poster then just ignore what they write - it's a pretty free forum on here and all the better for it.

Dealer Performance Enhancement - Insurance - Avant

Dingle -

I think you should follow Rob's advice above and try Volvo's own insurance - Polestar modifications are Volvo-approved so there shouldn't be a problem. If there is, you could ask for advice from Polestar itself.

(Incidentally, Dingle already has the newly-acquired Volvo, so advice to buy something else isn't really very helpful.)

Dealer Performance Enhancement - Insurance - Mike H

I've always found Liverpool Victoria (rebranded as LV) to be OK with modifications, and can also support the suggestions of Chris Knott and Adrian Flux. I have a modified car myself (upgraded Saab 2.3 Aero) and never had any problems insuring it at a sensible price.

As an aside, my handbook lists wheel/tyre sizes for summer and winter tyres, and I would suggest that as long as your winter wheel/tyre combination meets the manufacturers spec, then it is not a modification and therefore does not need to be declared.

Dealer Performance Enhancement - Insurance - Cyd

Dingle:

Don't waste your fingers justifying yourself to Skidpan. Apparently anyone who gets his turbo glowing is a lunatic in his book. Fact that it only takes a coupe of overtakes past artics on an A road is neither here nor there.

I've a Saab 9-3 Aero with a Maptun tune (was 210hp/300Nm now 260hp/360Nm - how does 40-80 in 5.8 sound?). And there's more to come (I'm looking for 300). Good Porsches are still way quicker though so perhaps I should just be saving up for one!!

I'm currently with Aviva, but back in my motorsport (mostly rallying) days used to use Adrian Flux.

Seen the new V60 Polestar? Pricey, but very tasty. And there's rumoured to be a V40 Polestar on the way.

Dealer Performance Enhancement - Insurance - skidpan

Don't waste your fingers justifying yourself to Skidpan. Apparently anyone who gets his turbo glowing is a lunatic in his book. Fact that it only takes a coupe of overtakes past artics on an A road is neither here nor there.

Cyd

Either prove where I wrote that or stop making up such utter nonsense.

Just trying to stop the OP wasting his money on unecessary modifications when the D3 should be perfectly adequate in all road conditions.

Dealer Performance Enhancement - Insurance - FP

"Either prove where I wrote that or stop making up such utter nonsense."

He doesn't have to. He says, "Apparently..."

He's sending you up.

Stop taking yourself and your uncalled-for opinions so seriously. It's becoming boring.

Dealer Performance Enhancement - Insurance - skidpan

Good advice is always boring simply because its the advice no one wants to hear i.e. the RIGHT ADVICE

Dealer Performance Enhancement - Insurance - FP

That reminds me of a certain Harry Enfield character.

At least he was funny. Kind of.

Dealer Performance Enhancement - Insurance - Mike H

Just trying to stop the OP wasting his money on unecessary modifications when the D3 should be perfectly adequate in all road conditions.

Erm, "unnecessary" is simply your personal opinion. "Should be perfectly adequate" is also your own opinion, and doesn't help to answer the OP's question. Other opinions are available....... :-)

Dealer Performance Enhancement - Insurance - Bracket

Dingle:

I owned a D3 Volvo until recently. The Polestar upgrade counts as 'chipping' to some insurers and not to others. I had Polestar fitted to my D3 and it gave a very noticable increase in usable low RPM performance. This can be used for driving with less throttle to maintain or increase day to day MPG, or for safer overtaking. The D3 engine with Polestar drives in the same RPM range as the stock engine.

Similar boxes are available from BlueSpark and others for about £300-£400. They work by increasing fuel rail pressure and intercepting the mass air-flow signal to increase boost.

The Polestar upgrade maintains the manufacturer warranty.

I had the same problem with insurance. Direct Line permit zero mods (they told me.) Admiral will quote for upgraded cars and their quote was quite reasonable being about 10% over the stock vehicle. The question though becomes one of whether you're prepared to spend money and time dealing with insurance companies, few of whom will know of Polestar. Eventually I changed the car as it was easier than dealing with computerised idiocy.

I'm pretty astonished at the negative and frankly low-brow posts here by some. What owners want from their cars varies, and using technology to achieve that is one reason we are not all driving Model T Fords.

The issue with snow tyres & wheels is a separate one. It looks like you are in for some hours on the phone arguing with dimwits..

Dealer Performance Enhancement - Insurance - oldtoffee

Best two bits of advice have been check out Adrian Flux and check to see if other versions of your car use 16" wheels as standard. If they do then just tell your insurance company you're using wheel/tyre size as standard. If the size is not a Volvo standard then just find an insurance comany who don't object. Someone said LV earlier, they are good and don't load on my premium for winter wheels. I've also used Adrian Flux on a chipped Octavia vRS and the premium went up by around £30 on a £350 premium.

Dealer Performance Enhancement - Insurance - skidpan

I've a Saab 9-3 Aero with a Maptun tune (was 210hp/300Nm now 260hp/360Nm - how does 40-80 in 5.8 sound?). And there's more to come (I'm looking for 300). Good Porsches are still way quicker though so perhaps I should just be saving up for one!!

Been looking at some oldish track day data logs and I have extracted some useful figures.

In my Caterham back in 2006 with a modded 2.1 Ford Zetec engine (208 bhp @7100 rpm 160 lbs ft @5800 rpm) on one particular strait pulling out of a slowish 40 mph corner, 3040 rpm in 3rd gear the car accelerated to 80 mph (still in 3rd) in 5.17 seconds. On the day there was not much that was faster.

Move onto 2009. The engine has been replaced by a standard 2.0 Ford Zetec (with the exception of the induction and exhausts off the modded engine). The car has 175 bhp @ 6600 rpm and 145 lbs ft of torque at 4500 rpm. Same track, same corner same speeds and rpm 40 -80 mph was measured at 4,95 seconds.

For comparison the Autocar Road Test of the car when fitted with a 135 bhp X-Flow engine had a 40 - 80 time (through the gears) of 6.5 seconds (7.2 seconds in 3rd) a 1.55 seconds reduction for an extra 40 bhp is probably about right. A 1.6 litre x-flow Turbo version with 175 bhp and 178 lbs ft of torque was timed at 5.4 seconds between the same speeds back in the early 80's but I suspect turbo lag may have been an issue back then.

Between the trackdays other than the engine swap (the 2.1 had an oil pump issue which blew out the filter "O" ring and wrecked the crank) there were no other changes to the car.

So how come the car with less power was faster, simple, the low down power was much better and punched the car out of the corner faster. The logs show that by the end of the strait the 2.1 was going faster and they also show that the lap times of the 2.1 were quicker but not by much. At a different track with longer straits and fewer slow corners the difference would have been greater but driving on the public road does not involve driving at max speed and driving round fast corners flat out. In truth when the car was bought back in the early 90's with 80 bhp I could get from A - B faster than I can today, no camers and less traffic. No measurement of acceleration with that 80 bhp engine but a Motor road test of a virtually identical car quoted a 40 - 80 mph time through the gears as 11.5 seconds, in 3rd 12.1 seconds.

Considering that the 2.1 cost me about £2500 to build (including the brand new "faulty" oil pump) and the standard engine cost about £500 direct from Ford brand new in a crate I have not been tempted into finding the extra cost of building another more powerful engine. In fast road use the current engine gets me from A -B in the same time as the tuned engine (too many cameras etc to use most of the power) and the car is far easier to drive, less gearchanging is needed and overtaking is much less stressful, no deciding which gear to use.

MPG is not really a consideration but the 2.1 did about 26 mpg during the 4 years when it was in the car. The current engine has averaged about 30.5 mpg in the 6 years its been in but now its bedded in and correctly mapped its doing nearer 32 mpg. In 2000 miles a year its only a small saving but every little helps.

Just been looking at a What Car test of my Seat Leon TSi 1.4 140 PS. No 40- 80 mph through the gear times but looking at the 3rd gear time and adding the 40 - 60 and 60 - 80 times together its 8.2 seconds. Not bad for something with about 1/2 the power of the Saab Aero and "only" 250 Nm of torque. In truth considering its weight it rather puts my Caterham to shame.

Found a test of the Leon 180 PS turbo diesel. Using the same figures as above the 40 - 80 in 3rd time 7.5 seconds. Only 0.7 seconds faster than my petrol which has 40 PS less and 130 Nm less (the Leon 180 diesel has 380 Nm @ 1750 rpm.

As for insurance its covered by a company called A Plan, think its the Thatcham branch I deal with. They specialise in modified cars.

I talk from experience over many years and I do have the data and a cabinet full of trophs from my hillclimbing days to show its was not just pub talk. But its just my opinion, if people don't want to agree that is their right.

Drive a decent distance over nice A roads from A - B with reasonable traffic levels at "legal" speeds with the 150 PS S40 and the 180 PS S40. Bet there is little if any difference in your journey time. So what is all the extra power doing?

Edited by skidpan on 25/07/2014 at 17:02

Dealer Performance Enhancement - Insurance - alan1302

So what is all the extra power doing?

Higher number equals better mentality a lot of the time.

Dealer Performance Enhancement - Insurance - Dingle232

Dingle:

I owned a D3 Volvo until recently. The Polestar upgrade counts as 'chipping' to some insurers and not to others. I had Polestar fitted to my D3 and it gave a very noticable increase in usable low RPM performance. This can be used for driving with less throttle to maintain or increase day to day MPG, or for safer overtaking. The D3 engine with Polestar drives in the same RPM range as the stock engine.

Similar boxes are available from BlueSpark and others for about £300-£400. They work by increasing fuel rail pressure and intercepting the mass air-flow signal to increase boost.

The Polestar upgrade maintains the manufacturer warranty.

I had the same problem with insurance. Direct Line permit zero mods (they told me.) Admiral will quote for upgraded cars and their quote was quite reasonable being about 10% over the stock vehicle. The question though becomes one of whether you're prepared to spend money and time dealing with insurance companies, few of whom will know of Polestar. Eventually I changed the car as it was easier than dealing with computerised idiocy.

I'm pretty astonished at the negative and frankly low-brow posts here by some. What owners want from their cars varies, and using technology to achieve that is one reason we are not all driving Model T Fords.

The issue with snow tyres & wheels is a separate one. It looks like you are in for some hours on the phone arguing with dimwits..

Thanks very much for that - it's a really helpful post as are some of the others below. To be honest after considering this for a week or so I think I am going to give it a miss purely for the reasons you cite with convincing insurance companies - I simply haven't the time or energy to have to try and find a way through it every year. The issue I'm having with winter wheels is enough to put anyone off!