Originally Posted by Steve940estate (Post 942646)

For example, In the case of a Volvo 940. All models in the range are the same in regard brakes and most suspension components. One originally fitted with a non turbo 2.3 engine and then changed for a turbo one with the same capacity. What you now have in essence is a car that Volvo produced.
Why does it then cost more to insure than a 940 turbo that left the factory as such ?
Admittedly if any conversions of this sort are carried out if done badly could be dangerous. Cars originally fitted with a 1 litre engine then suddenly being a 2.0 litre turbo but haven't had brakes and suspension upgraded to suit.

What I am suggesting is that with a bit more specific product knowledge you could help out more. This lack of understanding is the biggest problem with insurance companies.

While I am here perhaps you could explain why roll cages are such a bad thing. Ok drives of Saxos might think they will make their cars faster but for someone who wants to drive a competition car to and from an event it makes things very difficult and expensive. The last thing they would want to do is smash a car up on the way to an event so they are hardly likely to be driving like a fool.

Perhaps there is a job going for someone who can work with yourselves and the club to make it possible to insure all club vehicles properly ?

Hope you don't mind answering a few questions, it's not often you can actually speak to insurance people without sitting on a phone for hours at great expense.

Originally Posted by Steve940estate (Post 942646)

For example, In the case of a Volvo 940. All models in the range are the same in regard brakes and most suspension components. One originally fitted with a non turbo 2.3 engine and then changed for a turbo one with the same capacity. What you now have in essence is a car that Volvo produced.
Why does it then cost more to insure than a 940 turbo that left the factory as such ?
Admittedly if any conversions of this sort are carried out if done badly could be dangerous. Cars originally fitted with a 1 litre engine then suddenly being a 2.0 litre turbo but haven't had brakes and suspension upgraded to suit.

What I am suggesting is that with a bit more specific product knowledge you could help out more. This lack of understanding is the biggest problem with insurance companies.

While I am here perhaps you could explain why roll cages are such a bad thing. Ok drives of Saxos might think they will make their cars faster but for someone who wants to drive a competition car to and from an event it makes things very difficult and expensive. The last thing they would want to do is smash a car up on the way to an event so they are hardly likely to be driving like a fool.

Perhaps there is a job going for someone who can work with yourselves and the club to make it possible to insure all club vehicles properly ?

Hope you don't mind answering a few questions, it's not often you can actually speak to insurance people without sitting on a phone for hours at great expense.

Originally Posted by Steve940estate (Post 942744)

Ok thats a fair comment.
In that case if an engineers report was supplied stating the vehicle was modified form standard and it was as good if not better than it was when new, you could make it as cheap to insure as one that rolled off the production line built to the same spec.

The only problem I see is that many cars are repaired by owners and not very good garages and are often in far worse condition than they should be in and possibly be unsafe.