D585 coils

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hitandhope
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D585 coils

Post by hitandhope » Wed Mar 11, 2015 9:56 pm

Are D585 coil packs considered a modification please? They're fitted for reliability, not performance - I've had no other mods.

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Re: D585 coils

Post by Adrian Flux » Thu Mar 12, 2015 12:53 pm

Hi,

We would always recommend notifying us of any changes you make, this way we can note your policy and cover modifications like for like.

If you would like me to update the policy please feel free to PM me your details.

Kind regards
Dan

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Re: D585 coils

Post by acegeezer » Thu Mar 12, 2015 1:00 pm

They are fitted for both reliability (100k Warranty) fit and forget, and also for performance .. a gain in bhp has been claimed when tested by Ben at Rotary Revs :thumleft:
They are considered an improvement over Mazda OEM, so are probably classed as a modification
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Re: D585 coils

Post by Delanor » Thu Mar 12, 2015 4:54 pm

Surely a component that is bought and fitted as a performance increase would be described as such AFAIK a D585 coil is an ignition component that is fitted to another model car that is compatible to an RX-8 to my knowledge that coil is not marketed as a performance enhancing conversion.

If you replace the stock Bridgestone RE040`s with the known better Vredesteins does that not amount to improving performance so must you inform your Insurance as such?

Where exactly does replacing parts and modifying parts begin and end?

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Re: D585 coils

Post by acegeezer » Thu Mar 12, 2015 4:57 pm

Nightmare Del.. the rule of thumb is tell the insurance what you have done irrespective, mostly its only a note at their end.. unless it's mega like a turbo it's usually a freebie or marginal increase only :)
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Re: D585 coils

Post by ChrisHolmes » Thu Mar 12, 2015 5:08 pm

We are asked the question when enquiring about insurance, "Has the car been modified from standard" therefore tinted windows, different tyre sizes (brand change probably fine) wheel size or type, colour change, body kit, suspension, brakes uprated, SS exhaust, decat, are all changes from standard and could if not declared potentially allow an insurer to argue the policy is void due to non disclosed mods.
It's unlikely but it does happen. How on earth the typical slammed, body kitted, illuminated, big bore exhaust Sunday night cruisers get on I just do not know!
I don't know why I have posted this as its all been said above anyway. Now I suppose I had better tell Admiral about my Lockwood Grills, SS Toyo Cat Back, D585s and OMG! The Strakes!!
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Re: D585 coils

Post by acegeezer » Thu Mar 12, 2015 5:11 pm

Jump to it then.. before you (heaven forbid) have a crash :)
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Re: D585 coils

Post by scitmon » Thu Mar 12, 2015 5:17 pm

I'm with Del here, its getting ridiculous when you need to declare things like different tyre brands, coils, etc. Most owners on here could probably gain more power from giving their car a good service than you would get from fitting D858 coils, its hardly a contributing factor that would make you more likely to have an accident/be a victim of criminal damage!

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Re: D585 coils

Post by DanBass » Thu Mar 12, 2015 5:56 pm

I think its unlikely that many insurers would raise premiums for declaring d585's. I should hope not anyway. That being the case, id go for better safe than sorry, I wouldn't want to give any ambiguity or wiggle room whatsoever should the worst come to the worst.



Apart from anything else if you have a modified car, you likely have a like-for-like policy (as Dan alluded to), in which case they should definitely be declared in case you need to replace them!



I've never had a premium increase regardless of mods, perceived performance upgrade or not. It's partly down to picking the right insurer.
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Re: D585 coils

Post by Delanor » Thu Mar 12, 2015 6:41 pm

A little known fact and certainly not many RX-8 owners will be aware but with some insurers you should declare the leather trim as it is an optional extra that theoretically increases the value of the car.

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Re: D585 coils

Post by Andy1969 » Thu Mar 12, 2015 6:47 pm

slightly off topic, but does Adrian Flux have any affilation with Fluxdirect?
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Re: D585 coils

Post by Vian » Thu Mar 12, 2015 6:51 pm

The logic is that any modification, even a visual one, can affect the value of the car and therefore needs to be declared. Putting D585 coils on amounts to the same thing.

Having pompously said that, it's reminded me I need to tell them about the hoop spoiler I'm putting on this week.
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Re: D585 coils

Post by hitandhope » Thu Mar 12, 2015 9:34 pm

I agree that it sounds a bit daft - I'm sure some owners on here have gained 30bhp just after a service.
My reason isn't the normal bump stuff as it won't effect anything. But in a really severe crash with fatalities or permanent injuries and six figure claims it's cost effective for the insurer to spend a few grand going over the car in forensic detail to look for something to get them off the hook, especially if its a sports car I think.
That said, it sounds like if it's declared it's marginal - I spoke to Privelege today and they only seemed bothered if it was on their list and ignition upgrades weren't, but they were happy to add a note to the policy. Now my details are loaded up, I'll check tomorrow and report back.

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Re: D585 coils

Post by Adrian Flux » Fri Mar 13, 2015 10:50 am

Andy1969 wrote:slightly off topic, but does Adrian Flux have any affilation with Fluxdirect?
Hi,

FluxDirect are our web based sister company.

What I would say regarding the coil pack is that if you are speaking to a specialist insurer it should not make a difference to your premium, especially if you are already disclosing other modifications.

I can't speak for all insurers, however if you had a modified car policy with us, the D585 coil pack would not result in an increased premium but we would be happy to cover it like for like.

Kind regards,
Dan.

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Re: D585 coils

Post by kopite72 » Fri Mar 13, 2015 10:55 am

Strange....over here were asked if the car has been modified in any way...." No " next question?? That's it :D
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Re: D585 coils

Post by scitmon » Fri Mar 13, 2015 5:01 pm

Delanor wrote:A little known fact and certainly not many RX-8 owners will be aware but with some insurers you should declare the leather trim as it is an optional extra that theoretically increases the value of the car.

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This is another classic problem, some insurers class dealer fitted options as modifications, and others don't. If I wasn't an enthusiast and I didn't know my leather seats where a "modifaction", then what happens?

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Re: D585 coils

Post by whirlowguy » Fri Mar 13, 2015 7:29 pm

The advice from my insurer has been that anything that changes the "profile" of the car - e.g. lowered suspension; wider tyres; bigger wheels; body kits is a modification that should be declared. Also any costly after market audio system. Upgraded engine components and exhaust systems are ok as long as there has been no remapping or mods to the valve gear :-) I do agree though that the key thing is to check it out with them. They may well have slightly different approaches. My insurer will always pay out on the third party element of a claim even if you have not declared the turbocharger!

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Re: D585 coils

Post by hitandhope » Fri Mar 13, 2015 8:46 pm

After a lengthy call my insurer (Privilege) added the D585 at no extra cost, as a note.
One of the questions was "when you go to start it, do you do anything different?", no idea where they were going with that one but all sorted now.

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Re: D585 coils

Post by whirlowguy » Fri Mar 13, 2015 8:49 pm

Probably wanted to know if you put your crash helmet and full harness on :-)

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Re: D585 coils

Post by hitandhope » Fri Mar 13, 2015 10:09 pm

Yeh, trying to catch me out....well, I do up my 6 point harness, engage turbine 1, allow it to stabilise, engage turbine 2, check my mirrors, signal, then manoever.....certainly sir, we can quote you £35 000 3rd party on that.

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