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Author Subject: De cat and insurance
fast_eddie

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Location: bingley

Registered: 21 Jan 2012

Posts: 233

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Post #1
Just thinking on and after chatting with a few folk I am learning that a de cat seems to be very popular?
I know the 6 doesn't really like the de cat flow, but i was more bothered about what happens to peoples mots and insurance in the event of an accident without a cat fitted?

I guess maybe an expensive hi flow cat is the better option?
Posted 11th Jan 2017 at 00:43
gnrlee

Seasoned Pro

Location: Sinking into a 306 fuelled money

Registered: 20 Aug 2005

Posts: 8,207

Status: Offline

Post #2
Im pretty sure that unless you can proove that your car will pass an mot with the D-Cat your insurance
Is null and void! They really only seem to increase torque at the top end anyway
Maybe a bit more of a grunty noise but to be honest i wouldnt bother for road use!

I used to run one and swap for every mot but I became paranoid since police started cracking down on them a few years ago!

Its all about making the car lighter and Superman these days!

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Posted 11th Jan 2017 at 07:35
RetroPug

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Location: Warwickshire

Registered: 15 Jan 2013

Posts: 2,328

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Post #3
gnrlee wrote:
Im pretty sure that unless you can proove that your car will pass an mot with the D-Cat your insurance

Recent MOT rules mean that if the car had a catalytic converter originally fitted it must be fitted and working to pass an MOT. As a result, no de-cats on a 306 gti6 will be legally roadworthy, which invalidates your insurance.

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Posted 3rd Feb 2017 at 00:01
armzsc6

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Location: Crowborough

Registered: 22 Mar 2008

Posts: 3,393

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Post #4
When ever I've had cars written off in the past no one checks if there's a decat or even anything close to that they come look at the car say oh yeh that's royally f**ked let's write that off then and that's it... even the last time an old boy crashed into my hdi estate and wrote it off big time they came and collected the car from my work on a low loader and took it for inspection.

Had a decat on.... rang me up later that day and said they were writing it off then I bought it back for parts and they delivered it back to me.

No one's bothered about looking for a decat as long as he rest of the car is sound and has decent tread on the tyres.

An mot is at time of test. If it passed at time of test (with a cat on) and then the cat was removed after the test the car still has a valid mot in the eyes of the insurer and a decat can in no way contribute to an accident....

Only thing to worry about would be if you happened to be unlucky enough to get tugged by Vosa (now DVSA) for a random spot check.

Also every single mod on both my cars is declared to insurance and every time I mention they both have exhausts do you want to know the details etc they always say "no we just put exhaust system changes" and that's with 3 different insurance company's now.

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Posted 23rd Feb 2017 at 10:42
alcon

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Location: Glasgow

Registered: 19 Jan 2005

Posts: 619

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Post #5
armzsc6 wrote:
Also every single mod on both my cars is declared to insurance and every time I mention they both have exhausts do you want to know the details etc they always say "no we just put exhaust system changes" and that's with 3 different insurance company's now.


I also have told various insurance companies about having aftermarket stainless steel exhausts on my cars and it's never made any difference to the premium. I think its just a tick box thing for them. But by declaring it, its one less thing for them to be able to throw back at you in the event of a claim.

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Posted 23rd Feb 2017 at 11:09
mik

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Location: Kent

Registered: 17 Feb 2011

Posts: 1,985

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Post #6
armzsc6 wrote:

No one's bothered about looking for a decat as long as he rest of the car is sound and has decent tread on the tyres.


That might or might not be true depending on the circumstances of your accident, which copper/insurance company looks at it etc. There might be a sudden enthusiasm next week to check written-off cars for decats, we just don't know.

armzsc6 wrote:

An mot is at time of test. If it passed at time of test (with a cat on) and then the cat was removed after the test the car still has a valid mot in the eyes of the insurer and a decat can in no way contribute to an accident....


No. The reverse is the case. If the car has a valid MOT but - for example - since the test the tyres have gone below the legal tread limit it is not roadworthy despite the valid MOT, there may be a prosecution and the claim will be declined. It is unarguably the owner's responsibility to make sure a vehicle remains roadworthy at all times. If a decat would not pass a MOT the insurance company could well argue the car did not meet the roadworthiness standard.

You might get away with it but, no matter how you cut it, the fact is that you are potentially giving the insurance company a reason to decline a claim. Your mitigation strategy is to assert that a decat could not cause an accident and hope they don't find out about it. The key flaw in your reasoning is that insurance companies will decline a claim if they find a reason to do so, as it makes their bottom line look better at the end of the year and the fat cats can pay themselves a bigger bonus as a result.

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Posted 23rd Feb 2017 at 11:31
alcon

Senior User

Location: Glasgow

Registered: 19 Jan 2005

Posts: 619

Status: Offline

Post #7
Going back to what I said earlier (sorry, its all gone a bit off topic now), by declaring all mods to insurance company reduces the chance of them declining a claim. I had a narrow escape many years ago where the assessor at the repair centre sent photos of my car to my insurance company. They then spotted those gold alloys and wrote to me saying they hadn't been notified about them and that my claim was now on hold. I had to pay them a small sum as a back payment before the claim was honoured. Lesson learnt!

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1999 Rallye (black)
Posted 23rd Feb 2017 at 11:44

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