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(Post Link) post #1 of 15 Old 16-07-08 Thread Starter
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Help Uuurrrrrrrrrrmmmmmmm?

What difference do you think a Q2 would make to my insurance? Do i tell them? I think i will ring up and test the water but i have a feeling they wont insure me cus i dont think they do modified. I dont want to change insurance companies cus they are good to deal with, answer the phone straight away (in England!!) and by far the cheapest. I would apreciate any input

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Re: Uuurrrrrrrrrrmmmmmmm?

This has been debated before. It could be argued that it is a safety device (more grip) or a performance device (more grip). Most insurance companies quote the same price for a Q2 (factory fit) as a none Q2 GT . I think if you rang them up and tried to explain that you have a Q2 diff fitted and would it affect the price of the policy it would just confuse them. At the end of the day it is a genuine Alfa Romeo part and I doubt that they will even bat an eyelid.
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Re: Uuurrrrrrrrrrmmmmmmm?

Isn't your car already modified anyway?
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Re: Uuurrrrrrrrrrmmmmmmm?

Bazza your on the ball aint ya! It is but, lets say thats a grey area ssshhhhh Nah seriously if they were to no about the Q2 and not the other it would invalidate my policy anyway. Good call i forgot about that d'oh
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Re: Uuurrrrrrrrrrmmmmmmm?

As I work in insurance Zzzzzzzzzzzzzzz I would say that any modification from the standard form it left the factory should be notified to your insurance company.

However, in the case of a Q2. I wouldn't bother.

It's not going to make your car drive faster or make it more attractive to thieves. I wouldn't bother! (but don't tell anyone I said that )
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Re: Uuurrrrrrrrrrmmmmmmm?

I'm not sure how I feel about not declaring mods. But ignoring any opinion I may have on the matter, I'd say this - if you've got an AD intake mod which you're not declaring, it would seem pointless to then declare the Q2. The intake is surely a much more obvious and easy to spot mod.
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Re: Uuurrrrrrrrrrmmmmmmm?

I no what you are saying i think i will ring up and see what they say about the intake. As for the Q2 i am dropping it at the garage in the morning and might forget to mention it as it aint visible. I am going to put a Q2 badge on it but if anything untoward happens will just say that the badge was on it when i got it but it doesnt have it. Like these people runing around with turbo badges on a 1.0 litre rover.

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Re: Uuurrrrrrrrrrmmmmmmm?

So you're not declaring a mod on the basis it can't be seen - and then you are going to stick a badge on the back advertising it?!!
Riggggggggghhhhhhhhhhhhhht.....
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Re: Uuurrrrrrrrrrmmmmmmm?

I will ring up and see before i put the badge on. Makes more sense!
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Re: Uuurrrrrrrrrrmmmmmmm?

I wouldn't attach the sticker, purely on the basis that it looks rubbish
Mr Salfas also makes a very good point.
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Re: Uuurrrrrrrrrrmmmmmmm?

Quote:
Originally Posted by bazza View Post
I wouldn't attach the sticker, purely on the basis that it looks rubbish
Mr Salfas also makes a very good point.
will see i suppose it is all down to taste. Going eat my lunch and ring up before i go to work so will let ya know!
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Re: Uuurrrrrrrrrrmmmmmmm?

Quote:
Originally Posted by jc.123 View Post
I am going to put a Q2 badge on it but if anything untoward happens will just say that the badge was on it when i got it but it doesnt have it. Like these people runing around with turbo badges on a 1.0 litre rover.
And isn't adding a badge a modification in itself

Badges, stripes and flames down the side would make it more appealing to thieves which is exactly what insurers want to know about.

Though I wonder if no badges at all is classed as a modification?
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Re: Uuurrrrrrrrrrmmmmmmm?

Yep i suppose your right never thought of that! Its getting more complicated by the minute
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Re: Uuurrrrrrrrrrmmmmmmm?

I say get the Q2, don't badge the car and don't tell the insurer.

If the worst happens and you turn the thing over in a ball of flames one night, is an insurance inspector really gonna spot the difference between a charred Q2 and standard diff?

Chances are, a Q2 will more likely prevent such an accident too!
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Re: Uuurrrrrrrrrrmmmmmmm?

Right, after 35 minutes on the phone most of that explaining the modifications i am sorted. I told them about my AD intake and the Q2 which i regret abit now but atleast its sorted. £172 extra Neither of the people i spoke to had a clue what a limited slip diff was which i find hard to believe dealing with cars everyday. Anyway its all paid for, its not worth invalidating my insurance for 172 squid when the money is sat in the bank. That means my policy is £900 for the year which is alot of money but i have heard worse quotes for standard. £4500 for CIS!!!
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