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Discussion Starter · #1 ·
Hi guys,
I made the mistake of telling my insurance company that I'd put a 3" system on.
They want to know how many kilowatts it was before and after the mod. I asked them to look it up in a book but they come up with some limp dic excuse.
I have dyno result for after mod's but not before.
Does anyone know?
Cheers
Marty

06, intercooled 4.2 Cab chassis
 

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From memory the specs were 114 kw & 360Nm

But on a chassis dyno you would probably get a different figure from the factory specs

You probably should have got a before & after reading on the same dyno to see what the increase was over standard

Regards Don
 

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Discussion Starter · #3 ·
That seems too high for a stock 4.2?
Thats 2KW shy of what I have now after 3" and turbo mod and tune?
 

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that reading will be at the flywheel.
your new output will be at the wheels. so thats why they dont seem much different
so time to bs to an insurance company a bit. before the exhaust it made 111kws now it makes 113kw. i did it for the sound only.
 

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Discussion Starter · #6 ·
Iv'e got before and after of the turbo mod and tune. the 3" was put on 3 months earlier.
 

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The larger exhaust with a standard turbo and no fuel pump ajustments would probably make minimal diference

Regards Don
 

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Discussion Starter · #8 ·
I'll stick with 111KW boosted to 113KW with the exhaust.
Thanks guys
 

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If it was my insurance company "oh, I only did it to restore it back to factory performance, because I could tell performance was dropping off as things wore... yeah, it's now back within 2kW of new performance". :angel:
 

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Give them the rear wheel KW's :)
 

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Discussion Starter · #12 ·
I can't believe them.
I said it has gone from 113KW as stated in new vehicle specs to 115KW and this is the response I got.
With the exhaust - increase in performance – can you confirm for our records if the vehicle has been passed by Road Licensing Authority/ (It’s a general question) as any modifications such as this will need to be referred to our Underwriting Department for acceptance

Marty
 

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That's crap. Time to name and shame the insurer???
 

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That's crap. Time to name and shame the insurer???
Well before anyone jumps the gun, maybe the fine print on the policy needs to be checked.

No point bagging a company for sticking to it's policies and it's better that they point it out now rather than a no pay if a claim is made.

My insurance company told me straight out that, as long as they are legal, I can have unlimited modifications. If this company didn't then I would have thought they are within their rights to not cover the mod.
 

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Not sure where the 111kw at the back wheels came from?? I put my GU IV TD42Ti on the Dyno and got 64kw at the wheels with 33s and a 3" exhaust.

After the Dyno tune i was pumping 94RWKW with 13psi and 550 EGT max.

I have a few mates that have late model TD42Tis with the Turbo mods and they are getting under 110RWKW.

I reckon you should ring the company back and speak to someone else mate, With regards to the "Exhaust Mod" its a diesel!

I have a letter from MTQ that i presented to my insurance stating that fitment of a Turbo to a diesel is not considered a power upgrade or performance modification due to the fact that the Top Speed of the Diesel engine and vehicle is controlled by the Fuel Pump and not the Turbo, Given this there is NO requirement to reconsider the implications on the ADRs after the fitment of a Turbo..

Shop around mate, sounds like they deal with allot of Riceys and treating it like a 2.0lt petrol. ;-)

 

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Not sure where the 111kw at the back wheels came from?? I put my GU IV TD42Ti on the Dyno and got 64kw at the wheels with 33s and a 3" exhaust.

After the Dyno tune i was pumping 94RWKW with 13psi and 550 EGT max.

I have a few mates that have late model TD42Tis with the Turbo mods and they are getting under 110RWKW.

I reckon you should ring the company back and speak to someone else mate, With regards to the "Exhaust Mod" its a diesel!

I have a letter from MTQ that i presented to my insurance stating that fitment of a Turbo to a diesel is not considered a power upgrade or performance modification due to the fact that the Top Speed of the Diesel engine and vehicle is controlled by the Fuel Pump and not the Turbo, Given this there is NO requirement to reconsider the implications on the ADRs after the fitment of a Turbo..

Shop around mate, sounds like they deal with allot of Riceys and treating it like a 2.0lt petrol. ;-)
Yes, agreed, sounds like the OP's using a general insurance place and maybe needs to go somewhere more understanding.

I need to find out if my girlfriend can drive mine. She has just passed her test and is on green P's (not the frozen kind). Apparently she cannot drive a car with a performance upgrade (including turbo). Not sure if mine is classed as a performance upgrade.
 

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Well before anyone jumps the gun, maybe the fine print on the policy needs to be checked.

No point bagging a company for sticking to it's policies and it's better that they point it out now rather than a no pay if a claim is made.

My insurance company told me straight out that, as long as they are legal, I can have unlimited modifications. If this company didn't then I would have thought they are within their rights to not cover the mod.
Not a question of fine print mate, but of the suitability of this company for the majoriy of readers of this forum who have some degree of mods (tyres, suspension, exhaust etc). There are some out there who will let you have a few performance mods named on the policy which are perhaps more suitable for the average forum folk; but when you're even providing some reasonable evidence that you're within 2kW of spec and they wan you to jump through ridiculous hoops - 'road licensing authority' - sounds like they're asking for an engineering cert. Many companies will say exhaust mods are in or out; give a maximum no of mods (Ie unlimited accessories but max 3 mods was the limit of one of my insurers years ago). IMO it sounds like his insurer is being too damn difficult on this one, so I'd prefer to know who it is so I can personally avoid them!

BTW - Its not worth having mods like that not listed on your policy IMHO. Too much scope for them to wriggle out of payment! I've found my insurers helpful in the past when ringing them up and saying 'I want to do this... Will you allow it'. Then arguing my justification however it suits (Ie I want to install diff locks to take stress off the driveline when I'm on dirt roads) to which you can often get them to say yes without really understanding! Then just say 'great, put it on my policy tuen cause I'll get it done tomorrow'!
 

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Discussion Starter · #19 ·
I'm getting 94KW at the rear wheels too.
The 113KW was what I found on internet specs for new 06 Cab Chassis and the highest reading on my dyno readout was 116KW so I presume they are both engine power only.
This is what I replied to them last night, still to get a reply..

The exhaust upgrade has only returned the engine back to original specs, after age the engine starts to loose power due to exhaust clogging up and engine wear.
I haven't had a Road Licensing Authority check on using the Ultimate fuel which has boosted KW. If this becomes an issue I will have to stop using this fuel that is supplied by BP.
The snorkle too has not been passed which can increase KW.
I think you know this is getting ridicules.......
Tell the Underwriting Department that it's not the vehicle that causes problems, "it's the nut behind the wheel". Do more research on the driver for more accurate results in underwriting. Start with looking at how many crashes and infringements the driver has had.


Not sure if this will work for me, or against but getting sick of such petty bullshight.
Thanks for the replies.
 

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Funny hey.
Dont level with your insurance company.
Its the torque which makes the mod worthwhile................thats probably a bit hard for them to figure out.
 
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