Insurance and bigger brakes
05 September 2011, 07:22 PM
#1
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Insurance and bigger brakes
I was just thinking to my self why if you fit larger better more efficient brakes ,does your insurance get loaded surely it should go the other way .by making the vehicle brake quicker and easier it's making it safer there for less risk of an accident therefore insurance should not be loaded at the very least .
05 September 2011, 07:28 PM
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It's a good thought but insurance companies work in the opposite way....
Why would you need bigger brakes?
If they are needed that much why didn't the manufacturer fit them during production?
Surely it means you can drive faster and brake later.... therefore be more liable to speed?
Would the new super brakes make you feel invincible and lull you into a false sense of security?
Any excuse they can come up with they'll up your premium....
Why would you need bigger brakes?
If they are needed that much why didn't the manufacturer fit them during production?
Surely it means you can drive faster and brake later.... therefore be more liable to speed?
Would the new super brakes make you feel invincible and lull you into a false sense of security?
Any excuse they can come up with they'll up your premium....
05 September 2011, 07:33 PM
#5
aviva don't , i told them , engineer on phone said no problem ,it was subaru 4pots uprated discs and pads . but i explained it as like fitting st220 mondeo brakes to a 1600lx , i have 3 kids and the std brakes are crap and are not up to the job and need replacing anyway and these are better was my sales pitch 
05 September 2011, 07:38 PM
#6
It's a good thought but insurance companies work in the opposite way....
Why would you need bigger brakes?
If they are needed that much why didn't the manufacturer fit them during production?
Surely it means you can drive faster and brake later.... therefore be more liable to speed?
Would the new super brakes make you feel invincible and lull you into a false sense of security?
Any excuse they can come up with they'll up your premium....
Why would you need bigger brakes?
If they are needed that much why didn't the manufacturer fit them during production?
Surely it means you can drive faster and brake later.... therefore be more liable to speed?
Would the new super brakes make you feel invincible and lull you into a false sense of security?
Any excuse they can come up with they'll up your premium....
generally the case though isnt it, people fit bigger brakes to go faster and brake later...
mine didnt load it anyway so i dont care
05 September 2011, 07:47 PM
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Yeah I agree with what every one says i was hoping for an official view on it
It like this last renewal I had went up just short of a hundred quid so I phoned asked why ,I was told it was because of last year in the Icey snowy spell and all the accidents .eh scuse me I didn't have an accident and they will be making their money back because not that many people protect their no claims
It like this last renewal I had went up just short of a hundred quid so I phoned asked why ,I was told it was because of last year in the Icey snowy spell and all the accidents .eh scuse me I didn't have an accident and they will be making their money back because not that many people protect their no claims
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05 September 2011, 08:17 PM
#8
As above, the insurers will question why you need bigger brakes, and assume you must be driving the car quicker than the car was designed for.
Says the man with AP 6 pots
Says the man with AP 6 pots
05 September 2011, 09:18 PM
#10
Hence why i posted 
I'm personally not fussed about uprated brakes (with the companies who let us decide if we load extra for mods).
I won't give a discount, but i won't increase the price either.
Some insurers will want more, or increase the price, as per the reasons in my first post.
I'm personally not fussed about uprated brakes (with the companies who let us decide if we load extra for mods).
I won't give a discount, but i won't increase the price either.
Some insurers will want more, or increase the price, as per the reasons in my first post.
05 September 2011, 09:35 PM
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Hence why i posted
I'm personally not fussed about uprated brakes (with the companies who let us decide if we load extra for mods).
I won't give a discount, but i won't increase the price either.
Some insurers will want more, or increase the price, as per the reasons in my first post.
I'm personally not fussed about uprated brakes (with the companies who let us decide if we load extra for mods).
I won't give a discount, but i won't increase the price either.
Some insurers will want more, or increase the price, as per the reasons in my first post.
Standard 4 pots here Moley
06 September 2011, 11:24 AM
#16
You'll find that most specialists will not load your policy if you have upgraded the brakes.. A decent specialist will like to see upgraded braqkes if there is a significant power gain from exisiting modifications..
06 September 2011, 11:46 AM
#17
Quoted for when I do my next brake upgrade (insured with sky)
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