Brakes Brake hose change insurance premium hike

[greasemonkey]

Just got off the phone to direct line and enquired about changing my brake hoses if it would be a problem with my policy. The lady said it would be an additional charge of over £400! It's a safety improvement are they taking the pee?

[k20_ed]

They could have been quoting for a complete brake upgrade, ie a BBK

[greasemonkey]

Originally Posted by k20_ed

They could have been quoting for a complete brake upgrade, ie a BBK

I told her it was just brake hose to braided! Annoyed me!!

[rossk1009]

You shouldnt need to inform them. Brake hoses are perishable and need to be replaced as time goes on. You wouldnt inform your insurance when you get new tyres so you dont have to with the hoses.

[Ash3000]

+1 to not needing to tell them

[greasemonkey]

Originally Posted by rossk1009

You shouldnt need to inform them. Brake hoses are perishable and need to be replaced as time goes on. You wouldnt inform your insurance when you get new tyres so you dont have to with the hoses.

I would really appreciate more opinions on this.

[Harps]

I informed Admiral, they added them to my policy. It was ~£50 for the hoses and HKS suction kit IIRC

[greasemonkey]

I have asked 2 Technicans at work one from the motor industry and one who modifies his cars. One from the motor industry said it is a mod even though it's a safety mod and will improve the safety of your brakes should inform the insurance company and finished buy saying that Direct line is seeing it as a licence to print money!
One who modifies his car said i would not inform my insurance as it's not like your adding 20inch alloys or a big spoiler!

[Guitaralmond]

Surely improving the brakes means you are interested in driving quickly, which means you are more likely to crash whilst in a spirited drive. They arnt stupid, its right to increase but not £400!! maybe for Hondata but not the b.lines

[Dave.M89]

I was under the impression you would not have too as it is a wear and tear part.

[rossk1009]

Originally Posted by Guitaralmond

Surely improving the brakes means you are interested in driving quickly, which means you are more likely to crash whilst in a spirited drive. They arnt stupid, its right to increase but not £400!! maybe for Hondata but not the b.lines

Does that mean i need to tell them if i buy really good tyres with loads of grip because that means i will drive round corners fast? Or should i tell them i use Shell Vpower because it might mean i get a 0.01 bhp gain? I dont think so.

Stainless steel braided hoses last a lot longer than normal rubber ones so maybe its not that your wanting to drive faster but wanting to get the best option available to you.

I will be getting these done to my car after xmas and i wont be informing the insurance as its a wear and tear part and im just wanting to put hoses on that are best for my car. If anything was to happen and they inspected my car and brought it up my response would be simple "the previous owner must have fitted them as i got it like that. I assumed they came as standard". Like i say though i very much doubt that would happen.

[shaunwistow]

If it's not standard, then yes you have to tell them. However, I should ring them back & ask to speak to someone else. They should not hike up the premium as it is a safety improvement. They also have to consider whether the car has more chance of ieing stolen, ie cosmetic improvements which make your car stand out from a non modified car etc. However, I can't see how brake hoses can justify any increase in premiums.

[Guitaralmond]

Originally Posted by rossk1009

Does that mean i need to tell them if i buy really good tyres with loads of grip because that means i will drive round corners fast? Or should i tell them i use Shell Vpower because it might mean i get a 0.01 bhp gain? I dont think so.

Stainless steel braided hoses last a lot longer than normal rubber ones so maybe its not that your wanting to drive faster but wanting to get the best option available to you.

I will be getting these done to my car after xmas and i wont be informing the insurance as its a wear and tear part and im just wanting to put hoses on that are best for my car. If anything was to happen and they inspected my car and brought it up my response would be simple "the previous owner must have fitted them as i got it like that. I assumed they came as standard". Like i say though i very much doubt that would happen.

Youre still wrong, tyres are the exception as Honda dont make tyres to class them as OEM, also fuel is your choice as your engine accepts both.

Brake lines however are made by Honda and can be bought as an OEM part, which is why they are classed as aftermarket. Anything aftermarket should carry a loading on your premium, also dont forget about your warrenty either! My garage in particular were happy to wave good bye to the entire car warrenty from the purchase of an intake kit.

[greasemonkey]

Originally Posted by Guitaralmond

Youre still wrong, tyres are the exception as Honda dont make tyres to class them as OEM, also fuel is your choice as your engine accepts both.

Brake lines however are made by Honda and can be bought as an OEM part, which is why they are classed as aftermarket. Anything aftermarket should carry a loading on your premium, also dont forget about your warrenty either! My garage in particular were happy to wave good bye to the entire car warrenty from the purchase of an intake kit.

I would be very surprised if Honda manufacture the Brake hoses themselves. I would imagine they are brought in from a manufacturer in Japan. Cheap and cheerful!

[coste1l]

sleeve them in rubber and remove all branding.....

[greasemonkey]

Originally Posted by rossk1009

Does that mean i need to tell them if i buy really good tyres with loads of grip because that means i will drive round corners fast? Or should i tell them i use Shell Vpower because it might mean i get a 0.01 bhp gain? I dont think so.

Stainless steel braided hoses last a lot longer than normal rubber ones so maybe its not that your wanting to drive faster but wanting to get the best option available to you.

I will be getting these done to my car after xmas and i wont be informing the insurance as its a wear and tear part and im just wanting to put hoses on that are best for my car. If anything was to happen and they inspected my car and brought it up my response would be simple "the previous owner must have fitted them as i got it like that. I assumed they came as standard". Like i say though i very much doubt that would happen.

My reply to the insurance would be the original brake hoses were replaced due to them becoming life expired and I replaced them with hoses which are considerably more robust and hard wearing and did not think I needed to inform the insurer!!

I think I am making my car safer by having better quality hoses fitted which means my brakes are working more effectively but no the insurer is we would like £460odd for the pleasure. Rip off!!!!

[Jack The Lad.]

Even adding a spoiler to a car, is considered a mod.
If it didn't come out of the factory with one fitted as part of the cars standard spec'.
Same with the inbuilt Sat Nav - if you paid extra for it to be fitted when the car was being built, it's a mod.
Makes the car more nickable, so say the Insurance Companies.

[rossk1009]

Originally Posted by Jack The Lad.

Even adding a spoiler to a car, is considered a mod.
If it didn't come out of the factory with one fitted as part of the cars standard spec'.
Same with the inbuilt Sat Nav - if you paid extra for it to be fitted when the car was being built, it's a mod.
Makes the car more nickable, so say the Insurance Companies.

You dont really need to notify your insurance for a double din or new cd player as i understand it. My insurance says it covers up to 10% of the value of your car for in car entertainment. I havent told them about my double din as that would be covered.

[rossk1009]

Originally Posted by Guitaralmond

Youre still wrong, tyres are the exception as Honda dont make tyres to class them as OEM, also fuel is your choice as your engine accepts both.

Brake lines however are made by Honda and can be bought as an OEM part, which is why they are classed as aftermarket. Anything aftermarket should carry a loading on your premium, also dont forget about your warrenty either! My garage in particular were happy to wave good bye to the entire car warrenty from the purchase of an intake kit.

I should have made myself clear by saying that its not that i think you dont have to tell your insurance, I just dont see why you should. Make your care safer and let put up your premium for doing it.

Insurance is the biggest scam out there and i think everyone knows it!

[NEEMSTAR]

Thieving scum (although I doubt the phone monkey understood what you were on about and just clicked a box which resembled something they thought it may be).