96brentamis

I am looking at having a B18c5 droped into my 96EX but I'm having some trouble finding an insurance company that will insure me after I do this. Does anyone have a swap done that their insurance company knows about. Is there something specific I should mention/ask. If you do have your motor insured, let me know what company.

silentkill03

Be prepared to dish out some cash. I've got a B18C swap done with an auto to manual swap and haven't told my company. Hell I haven't told them about any of my mods!

christopher g

with the way insurance rates are going right now you are setting yourself up to be financially raped by an insurance company if you let them know that the motor is swapped.

silentkill03

especially a type r

motti

If you DON'T tell them, you're settng yourself up to have your insurance cancelled for nondisclosure and to be denied benefits at a time when you may most need them. You're also setting yoirself up to be put on an industry blacklist.

Insuranceman

If you have the paperwork to show the engine is not stolen, and the work was done by a shop that is qualified... and you don't break any laws... You should be ok..Don't do it shady, or you will pay at claim time

Edit: I have dealt with claims where cars are heavily modified and have engine swaps ... The guy lied and we caught him via the dealer that did the swap, so we denied the claim ... same situation, except the guy had all the paperwork, and said the previous engine died, so he replaced it, no problem ...

Aero

wouldnt a type r engine increase the insurance rate? be prepared for an increase.

bdotdan

so the insurance company won't care if you replace your motor with lets say a b18c5 instead of a lets say d16y8 that originally came in your car?
i kind of find that hard to believe. wouldn't the insurance company want you to replace with the same motor you had before?
and say this was okay with them, will your insurance rates increase when they find out you have the swap even if you had to replace the motor? since you replaced it with a more powerful and expensive motor?

Insuranceman

Well, if you replace it with a more powerful and expensive motor, then that in turn raises the value on your vehicle, and they would rate your vehicle based on its value. If they ask you why you didn't replace the motor with the same, just say at the time you could not find the same motor. They really shouldn't be asking why, they should be asking what. What it is, what it costs. You would likely tell your broker this, and give him or her the info, such as receipt for the purchase fo the motor, proof that it was installed correctly, and tested by a certified shop, and likely a picture as well, with a serial #. There not concerned really with the value so much, more of what it is used for, what it is, and typically why it was replaced ... which you can respond, that your engine died and you needed a new motor.

white92d15b7

no one has answered as far as i can see if replaceing the engine with a type r will increase the insurance much if you tell them why is everyone skirting the issue!!!

Insuranceman

I'm not a broker nor an underwriter ... so I cannot answe that -- It likely will, only because its worth more than a stock motor ...right?

imported_Moe_Mentum

Man I am wondering the same thing, I am not swapping to a Type R but and SIR in my EX.... see I think I have to tell me insurance broken since its my gf's dad (<----Yikes) I'll beat around the bush and see what he says about it. He works for Allstate by the way, so I dunno if it is different for other companies.

96brentamis

Let me know how you make out. Maybe he will cut you a deal. Maybe he will cut me a deak.

sam

From what I heard once when I asked an insurance company, if you declare any mods they can classify your car as a 'hotrod'.. wtH! and then you get raped by the rates even more. almost to the point where i'd just by a fast car cause its cheaper to insure.

96brentamis

I didn't even tell them what kind of motor I was putting in. They didn't ask. As soon as they heard swap, the conversation was over. I even tried the "my engine is blown". They basically said tough. I phoned every insurance company I can think of. As I originally said, I want to install the TypeR. If I can find a company what will do a GSR or SIR, perfect, I'll go that route. Better then what i have now. No one will even gime me the time of day. I got a G, all my stars and still no one will even humor me. Its Bull!

91blacknight

Raped is right!!!! Tell them you're changing the motor? Might as well tell them you're planning to street race. I think it's safer to have the car appraised and notify your insurance company. Either way get ready to pay. But at least it will be easier to find insurance this way.

BangHatch

what if you buy a car that's already like that? (with the swap and all)..... would that be as hard to get insurance as well???

so, most of the people here in the forums that have engine swaps did not declare the swap with the insurance company!?!