Uprated brakes & insurance costs

[StoneNewt]

Why will my insurance go up by 4% when I put 284mm discs on the front and do a rear disc conversion on my Sei surly being able to stop quicker with more control is a GOOD thing

 

[custard]

its outwith OE spec and is an unknown quantity.eg does it work better?will it cause instability?will you drive faster due to better brakes? etc etc

 

[Hellcat]

Because its a chance to get more money out of you - regardless of if it makes the car safer.

I agree though, what's more likely to work - standard brakes not checked until they are squeeling as metal grinds metal? or uprated brakes fitted by a competent enthusiast?

 

[Helz]

Because its a chance to get more money out of you - regardless of if it makes the car safer.

I agree though, what's more likely to work - standard brakes not checked until they are squeeling as metal grinds metal? or uprated brakes fitted by a competent enthusiast?

:yeahthat: Same reason as my so-called 'rally spotlights' (standard Fiat bumper with foglights).

 

[chaos]

Some insurers will see it as a good thing, some will see it as an incentive to drive the car harder and possibly beyond your limits.

 

[faster4_tec]

frizzel don't charge extra for break conversions, as long as the conversion is better than original.

likewise they don't charge extra if you have a tow bar fitted, as its seen as protection to the insured vehicle.

I think I'm gonna get one for the punto, as I'm fed up of people tailgating.

Biiigg meaty towbar with polished ball + suddenly breaking = car behind literally shtting there pants. serves them right for not keeping the correct and safe braking distance in winter conditions

 

[Hellcat]

Problem is if they hit it - it transfers all the impact energy through your rear subframe..

Almost certain writeoff.

 

[faster4_tec]

true.

BUt you'll notice less people will tailgate you in traffic if you have a towbar!!!!

thats all they look at, just the ball of penetration and death, and not whats happening around.

So I would say youare maybe less likely to get shunted??

and if the accident was hard enough to distort/move subframe then they would have written off a punto anyway