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Discussion Starter #3
Well yes but I want insurance that's actually valid. If you don't tell them the insurance is invalidated and you're uninsured (used to work in a call centre selling it!)
 

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I think you've answered your own question. You'll know when you ring them T:
 

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Sorry I do not understand what the EGR has to do with insurance ? can someone plerase explain as I am blanking mine this weekend. Thanks
 

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Sorry I do not understand what the EGR has to do with insurance ? can someone plerase explain as I am blanking mine this weekend. Thanks
Sure they would see it as an engine modification not 100% though
 

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Discussion Starter #9
If it increases the bhp of the engine then it counts as a mod, up to individual insurers if they will charge more tho.

Just called my insurer (Brentacre) and no change to the premium if I did blank the EGR so I prob will as soon as I have time (and dry weather) to get it done.

I know the likelihood of them finding out if I didn't declare it is very low but there still is a chance. I'd rather declare everything and know I'm insured than take the gamble that a clued up loss adjuster (who, lets face it, has the job of avoiding paying out) finding it and not paying out if I ever had to claim.
 

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I haven't specifically mentioned it to my insurer but then mine is insured as a camper and so is expected to be heavily modified. I've mentioned other engine mods that do increase power but as the EGR blank is primarily to rectify a problem then I don't feel there is a specific need to mention it.

In the event of a claim your not likely to expect extra money to cover the cost of the EGR blank, and it's unlikely that an EGR blank can be ruled as a contributing factor towards an accident, or that it makes your vehicle more desirable from the curbside.
I really don't see how an insurance company could challenge a payout based on it being done - not that they wouldn't try though.I:
 

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Discussion Starter #11
They can and will use anything to challenge a claim, it's an offence under the Road Traffic Act to not inform an insurance company of any changes from standard. Regardless of if the mod is a contributing factor to the claim the insurance is invalid as you didn't give them the full information.

Yes it seems silly and petty but they really will find ANY excuse not to pay and anything you've not declared can be used against you!
 

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They can and will use anything to challenge a claim, it's an offence under the Road Traffic Act to not inform an insurance company of any changes from standard. Regardless of if the mod is a contributing factor to the claim the insurance is invalid as you didn't give them the full information.

Yes it seems silly and petty but they really will find ANY excuse not to pay and anything you've not declared can be used against you!
This is so true!, they will use any excuse. I don't take any chances and inform them of everything. That reminds me I have just fitted a "New Car Scent" magic tree, I think i'll inform them of that as they will probably refuse to pay out due to visibility LOL:.


Someone I know drove a their girlfriends car home one night because she had been drinking. The car was stolen in the morning.
Couple told the insurance exactly what happened.

Insurance refused to pay out as the last person that parked the car was her boyfriend and his insurance only covered him to drive other vehicles third party!.

It got resolved in the end, but just goes to show what they can use to wriggle out of it.
 

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If it increases the bhp of the engine then it counts as a mod, up to individual insurers if they will charge more tho.

Just called my insurer (Brentacre) and no change to the premium if I did blank the EGR so I prob will as soon as I have time (and dry weather) to get it done.

I know the likelihood of them finding out if I didn't declare it is very low but there still is a chance. I'd rather declare everything and know I'm insured than take the gamble that a clued up loss adjuster (who, lets face it, has the job of avoiding paying out) finding it and not paying out if I ever had to claim.
John @ Brentacre specialises in Modified VW's so your are covered for anything with them as long as you declare it T:


EGR won't make a difference to the insurance, remapped my Fabia 1.4TDI and that made no difference.

I have had all my Cars insured with them for 17 Years now *<:)>
 

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Discussion Starter #14
I know they're great aren't they! The only insurers who give me anything like a reasonable quote.

I knew they'd take the mod just this is the first time I'd considered doing something that changed the BHP, they've always given me unlimited mods that don't change the BHP but said the premium may change if I do anything to the engine.

In the end it won't cost me any more so I'm a happy man.
 

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Why would a ERG mod change the BHP? Surely, if you blank the pipe, disconnect the control valve and clean the EGR so it looks new, the most you could expect would be the engine to operate at its stated factory BHP. The EGR does not always operate during engine operation, and a clean EGR which is blanked is surely the same as a cleaned EGR which is still connected but is not currently operating due to the ECU deciding it is not currently needed.

Not that any of what i just said will matter to the insurance. An undeclared mod is an undeclared mod regardless of what effect it is having. Like has been said above, they will try and find any reason to refuse your claim.
 
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