decatted legality and insurance
20 February 2002, 10:30 PM
#1
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I know this could go in insurance but it does have a drivetrain theme and no-one goes there hardly unless they are looking for insurance anyway.
Just wondered what the score is with insurance if you have a fully decatted system? Does it invalidate the insurance being illegal?
Cheers
Paul
Just wondered what the score is with insurance if you have a fully decatted system? Does it invalidate the insurance being illegal?
Cheers
Paul
20 February 2002, 10:48 PM
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I hope not, I've just renewed my insurance and told them that it's got a stainless exhaust, they didn't ask about cats, so I didn't tell them, but like I said, they do know it's a non-standard system.
Ron
Ron
20 February 2002, 11:22 PM
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I just wondered cause at the end of the day it is illegal and therefore is surely not road worthy? I guess a similar thing could happenn though if something broke between mot's so don't know?? But it looks pretty deliberate if you have a straight through exhaust doesn't it?
21 February 2002, 12:18 PM
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Paul,
I wouldn't have thought an "illegal" exhaust makes the car unroadworthy. What about number plates that offend the new rules - they are illegal but the car is roadworthy with one on.
IMHO, like all these things you ought to tell your insurance company about the modification. They can then decide on whether to charge extra depending on their own policy on modifications.
I wouldn't have thought an "illegal" exhaust makes the car unroadworthy. What about number plates that offend the new rules - they are illegal but the car is roadworthy with one on.
IMHO, like all these things you ought to tell your insurance company about the modification. They can then decide on whether to charge extra depending on their own policy on modifications.
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21 February 2002, 02:45 PM
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Manufactures of de-cat downpipes usually state that they are for competition use and may not be road legal. You can remove the centre cat without causing any legal/mot issues. But you should always inform the insurer and get it in writing that they are happy with it.
21 February 2002, 08:53 PM
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Police do now ....conduct roadside emmsions checks ... BUT they are rare...
If you told the insurance company that you have fitted a stainless exhaust ... then as you said it is non standard....and you could argue that they therefore know there is no cat as Subaru don't make a S/Steel DP with cat????
Whatever common sense must prevail......
If you told the insurance company that you have fitted a stainless exhaust ... then as you said it is non standard....and you could argue that they therefore know there is no cat as Subaru don't make a S/Steel DP with cat????
Whatever common sense must prevail......
21 February 2002, 09:07 PM
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Yes, and you apparently have the right to decline a roadside test, you will then be required to submit, within 21 days, a MOT certificate dated no more than 14 days after you were stopped.... go figure.
Defo tell insurers though.
Tim
Defo tell insurers though.
Tim
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