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Insurance question

Old 06-Jun-2008, 06:01 PM
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Insurance question

T_T!! I just switched back to my civic and went for an inspection today ..
I am with belairdirect so I had to do it..
Anyways I have a 97 dx and the guy checked the engine and saw a b16..
He saids my insurance wont go up but do yoiu guys think it will go up?
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Old 06-Jun-2008, 06:52 PM
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I guess not if he said it won't
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Old 06-Jun-2008, 07:31 PM
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if he said it wont go up.. maybe.. it wont??
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Old 06-Jun-2008, 08:45 PM
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but thats only the inspector telling me it wont go up..
Also he said I dont have to tell tell my insuranmce company about the swap..
but I guess I will see what happends..
But usually will a swap increase insurance since it increases the value of the car?
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Old 06-Jun-2008, 09:31 PM
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Just say your motor broke and that was the cheapest alternative
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Old 09-Jun-2008, 02:21 PM
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Insurance doesn't cover the engine "breaking".

If you decide not to disclose it to the insurance company and you get in an accident, they can either void your policy and give you nothing, or they can give you what the car is worth "stock".

If you tell them, and the insurance goes up $5/mth you're fully covered and have no issues if you are in an accident. BUT, if you tell them, they might decide NOT to cover you in the first place.

Take your pick.

You can always call them and not tell them your name, then just ask if they would insure your type of car, and if so, what the raised price would be, if any.
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Old 09-Jun-2008, 02:23 PM
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By the way, the insurance would go up, not because it makes the car worth more, but because it's now a higher risk for theft and because it's faster, accidents. If you're under 25, there's more risk of you being immature and street racing with it, etc. Get it?

The car isn't worth more, but more risk is associated with insuring the car.
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Old 09-Jun-2008, 02:31 PM
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just call them and ask... they already know... so if they were going to cancel your policy they would have already done it...

or they would have denied it


just call them and ask
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Old 09-Jun-2008, 02:35 PM
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No, I don't think they know yet. He just got the inspection (not too much rust, no broken windows or existing damage, etc). The mechanic that did the report might have disclosed it, but he might not have.
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Old 10-Jun-2008, 01:46 PM
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lets hope they don't disclose it. If they do: your insurance can be canceled, premiums will rise (definitely more than $5/month) or possibly stay the same. I had an inspection done for my insurance with TD, they charge an arm and leg if they see mods (cold air intake)
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Old 10-Jun-2008, 02:53 PM
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Hey im with belair i had my car checked out it's got alot done to it and is obviously not stock and my insurance rate did not go up I've been with them for a year now i only pay 140 a month for a 96 ek being 23 i think thats pretty good

I find that the 96 cx hatch is a really cheap car to insure versus a 92-95 or even a crx
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Old 10-Jun-2008, 03:04 PM
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that's a good rate!
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Old 12-Jun-2008, 11:18 PM
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Originally Posted by Ourstory View Post
but thats only the inspector telling me it wont go up..
Also he said I dont have to tell tell my insuranmce company about the swap..
but I guess I will see what happends..
But usually will a swap increase insurance since it increases the value of the car?
I think he is doing you a favour and not disclosing the fact that you have swapped in a B16. Most likely you will be cancelled with Bel-Air judging by what has happened to other people that have ran into issues with them. If your lucky they might allow it as a B16 was available in your chassis.
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Old 29-Jun-2008, 08:08 PM
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the engine wont effect your ins, i have belair, and i have a zc vtec in my 95 cx and the inspector said the same thing "that isn't stock." my insurance never went up. i'm 19, g2 and still only pay 200 a month.
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