Newbie Alert

bryboy · 09-24-2005, 05:36 PM

Hi folks,

Just a British newbie saying hello. I've had my ti for about 6 years now. Decided it was about time to join a forum dedicated to the Great ti

cali-ti · 09-24-2005, 05:38 PM

welcome! there are several members from the UK.

myblueTI · 09-24-2005, 05:52 PM

Welcome

bryboy · 09-24-2005, 06:56 PM

Thanks,

I've got one question for you USA boys. How does car insurance work in the USA. You boys are dropping six pots, V8's, turbo's and super's into compacts.

Whats the insurance like.

I was going to buy a compact which had a 3.2 evo engine and drivetrain, but to insurance it was £3000 (approx $5400)

Decided not to buy it and just do bolt-on mods to my compact

**1996 328ti** · 09-24-2005, 09:11 PM

Quote:

Originally Posted by bryboy

Thanks,

I've got one question for you USA boys. How does car insurance work in the USA. You boys are dropping six pots, V8's, turbo's and super's into compacts.

Depends on your insurance company. Some companies require you to notify them of any such modifications. My company doesn't. My car is insured as a 318ti.

96cali · 09-25-2005, 05:13 AM

Quote:

Originally Posted by 1996 328ti

Depends on your insurance company. Some companies require you to notify them of any such modifications. My company doesn't. My car is insured as a 318ti.

Very true but after researching Progressive, Geico and esurance all seem to recognize the tuner scene and let you claim a value for additional mods for property value. With Progressive it did not seem to increase your liability to have an S52 which is also an e36 engine which I explained as an engine that was available on other versions of my car (e36). A stretch for sure. Never went so far as to purchase the ins. but when looking at modded Ti's that's what I found.

bryboy · 09-25-2005, 09:20 AM

Wow, No wonder the modding scene is so big in the USA.

Over here if you put a non standard part on your car without informing your insurance company and they find out, 9 time out of 10 your screwed.

If your car didn't leave the factory with it or it wasn't a main dealer fit option, then its a non standard part and finding insurance can be problem at a decent price.

GREX1969 · 09-25-2005, 11:21 AM

Quote:

Originally Posted by bryboy

Over here if you put a non standard part on your car without informing your insurance company and they find out, 9 time out of 10 your screwed.

Tell me about it, my insurance almost doubled because of my Z4 M Wheels and Ac Schnitzer Spoilers even though it makes no difference to the performance of the car.
Usual rip off Britain I'm afraid!

Welcome to the forum.

**1996 328ti** · 09-25-2005, 12:57 PM

Quote:

Originally Posted by 96cali

Very true but after researching Progressive, Geico and esurance all seem to recognize the tuner scene and let you claim a value for additional mods for property value. With Progressive it did not seem to increase your liability to have an S52 which is also an e36 engine which I explained as an engine that was available on other versions of my car (e36). A stretch for sure. Never went so far as to purchase the ins. but when looking at modded Ti's that's what I found.

A big stretch considering the engine is for an M3. Think your insurance for an M3 would be a tad higher than a 318ti? 138hp vs 240 hp.

As far as the tuner scene, my guess is they are covering ICE and bling.
As soon as they discover a Fast and Furious type wrapped around a tree with NO2 my guess is it will be a battle between insurance company and ricer.

I believe in Canada you also need to declare any performace mods.

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