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Remi
27-08-2018, 12:39 PM
Hi,

I know they are rare items but I'm searching for a pair of X-Power exhaust for a saloon.
I'm still with originals one and I'd like a more american V8 sound.
I could go for the Zero but after listening to several vidéos I'd like to have a more baritone sound.

Rémi

ceedy
04-09-2018, 12:37 PM
the removal of the tube in the std boxes works well ,not quite as low a note as x powers i think .

Remi
04-09-2018, 02:17 PM
Thank you for your suggestion, this could be a route to follow !
Do you know if there is somewhere a video where we could listen the result ?

ceedy
04-09-2018, 04:03 PM
maybe i'll have to do one.. :ash once no 50's been sorted, end of the week i reckon..

Remi
05-09-2018, 10:04 AM
Thank you :)

NewGuyPete
05-09-2018, 12:37 PM
Thank you for your suggestion, this could be a route to follow !
Do you know if there is somewhere a video where we could listen the result ?

Remi,
There are plenty on "youtube" under MGZT260`s.
Pete

Remi
05-09-2018, 01:03 PM
Hi Pete,
Yes I find plenty of youtube videos with xpower, cobra, powerflow exhausts but not with the original boxes with tube removed (like ceedy suggest).

gignwah11
05-09-2018, 01:22 PM
modded standards for me as you dont get that resonance like you do off the others

SteveTD
05-09-2018, 04:03 PM
Can someone who had modified 'standard' exhausts do a video for the collective please? We'd be very grateful.

SCP440
05-09-2018, 05:54 PM
I have seen a few pictures somewhere on the Internet of somebody who had done it. Basically they cut the top of the silencer open, cut a pipe out and rewelded it back up.

Steve

Nich
05-09-2018, 06:16 PM
There is a How-To modify standard back boxes in the Library here:

https://www.two-sixties.co.uk/mgoc260/html/f0rum/showthread.php?8356-How-to-Modify-standard-back-boxes&highlight=exhaust

Nich.

Remi
07-09-2018, 03:23 PM
Thank you Nich for the info !
Sorry, I did not search properly :(
And in this howto there is also a link to a video (http://www.youtube.com/watch?v=QsvZsYj-e14), for those who want to hear the result with the modified original exhaust.

wt400
25-09-2018, 05:48 PM
I have zero's now and they sound great, resonance not to bad either not much louder than the origanals inside the car

Remi
09-04-2019, 12:22 PM
Well, after all this time, I finally decided to order zero exhaust from Kevin.
I can not wait to install them and hear the difference compared to the original exhaust ;) (but have to wait 4/5 weeks)

Zt pony
09-04-2019, 02:20 PM
A wise decision :thumb Kevin is a Master in the art of of Pipe bending ❗️He uses the very best quality Stainless Steel Etc , and his Welding skills are supreme.
What ..SOUND LEVEL ..did you go for ❓

Remi
09-04-2019, 03:04 PM
A wise decision :thumb Kevin is a Master in the art of of Pipe bending ❗️He uses the very best quality Stainless Steel Etc , and his Welding skills are supreme.
What ..SOUND LEVEL ..did you go for ❓

Yes I don't think I'll be disappointed. For the sound level he just told me : "I only make the Zero Loud Quads", so I understood no sound level option ?
Anyway I told him that the car also serves me to take the kids on vacation so nothing TOO much loud (but it's relative think).

Zt pony
09-04-2019, 03:30 PM
I had Kevin do me a pair of “ specials “ ..straight througs..empty boxes ..VERY Loud.

If you took the kids on vacation..with my Zero’s bolted on....the child protection squad would be waiting for you on your return ...:)

Remi
09-04-2019, 03:46 PM
I had Kevin do me a pair of “ specials “ ..straight througs..empty boxes ..VERY Loud.

If you took the kids on vacation..with my Zero’s bolted on....the child protection squad would be waiting for you on your return ...:)

I understand. With this kind of setup, in my case, the internal child protection squad (my wife) won't let me leave ;)

David
09-04-2019, 03:47 PM
I had Kevin do me a pair of “ specials “ ..straight througs..empty boxes ..VERY Loud.

If you took the kids on vacation..with my Zero’s bolted on....the child protection squad would be waiting for you on your return ...:)
Whatever you may think (or not) about the effect that noise pollution has on the environment and the rest of society, the legal noise level in the EU, UK included, is 82 decibels, +/- zero (excuse the pun). Notwithstanding that, if the noise levels created as a result of modification or whatever, exceeds that of the original at type approval, then that's not allowed under law either.

Since the vehicle is technically not road-legal then, it probably renders your insurance invalid too.
Do you really want to go that road?

.... discuss (but quietly please !).

David

James C
09-04-2019, 06:21 PM
https://www.gov.uk/noise-pollution-road-train-plane

Vehicle noise limits

There are limits to the amount of noise that vehicles can make on public roads. This applies to all types of vehicles.
In general, larger vehicles with bigger engines are able to make more noise.

:~

It doesn't actually give the limit on the UK Government site, just says there is one

Edit: Doh, just realised Remi is in France anyway

Zt pony
10-04-2019, 02:29 AM
Whatever you may think (or not) about the effect that noise pollution has on the environment and the rest of society, the legal noise level in the EU, UK included, is 82 decibels, +/- zero (excuse the pun). Notwithstanding that, if the noise levels created as a result of modification or whatever, exceeds that of the original at type approval, then that's not allowed under law either.

Since the vehicle is technically not road-legal then, it probably renders your insurance invalid too.
Do you really want to go that road?

.... discuss (but quietly please !).

David


David..






David....I posted a light hearted Jest to Remi, with regards to the subjective loudness of my Zero’s .

I Don’t require your comments as to the possible rights and wrongs, in your opinion , of the volume of noise emitted from my aforementioned Zero’s ..from a “ Social morality “ stand point ..thank you very much . I find your remarks bloody rude, don’t you dare moralise and patronise me. like some self appointed Judge of my Character and actions....okay.

Also..the points re type approval / Void Insurance Etc are BS .

Nich
10-04-2019, 09:25 AM
David....I posted a light hearted Jest to Remi, with regards to the subjective loudness of my Zero’s .

I Don’t require your comments as to the possible rights and wrongs, in your opinion , of the volume of noise emitted from my aforementioned Zero’s ..from a “ Social morality “ stand point ..thank you very much . I find your remarks bloody rude, don’t you dare moralise and patronise me. like some self appointed Judge of my Character and actions....okay.

Also..the points re type approval / Void Insurance Etc are BS .

In David's defence Harry I didn't read his reply to you as an opinion on social morality but more of a light hearted comment regarding the legal standing of possibly infringing legalities. I often think it is more than helpful (although sometimes irritating I agree) for people to point out the pitfalls of some of our courses of action. Regarding the type approval comment unfortunately he is perfectly correct and the implications regarding invalidating insurance are sadly, as so many people will testify, all too true, insurance companies are all too keen to look for ways to avoid paying out on claims.
I really don't think he was trying to moralise or patronise but more to provide information...........anyway about those tyres......! :)

Nich.

David
10-04-2019, 09:51 AM
In David's defence Harry I didn't read his reply to you as an opinion on social morality but more of a light hearted comment regarding the legal standing of possibly infringing legalities. I often think it is more than helpful (although sometimes irritating I agree) for people to point out the pitfalls of some of our courses of action. Regarding the type approval comment unfortunately he is perfectly correct and the implications regarding invalidating insurance are sadly, as so many people will testify, all too true, insurance companies are all too keen to look for ways to avoid paying out on claims.
I really don't think he was trying to moralise or patronise but more to provide information...........anyway about those tyres......! :)

Nich.
Thanks Nich. What I was trying to say, but you managed to a lot more eloquently !

The 82dB figure was taken from a Dutch breakdown of the EU regulations applicable.
I assumed, maybe wrongly, that EU regulations also applied to the UK in the matter, at least for the next few hours (/days/weeks/months/years) !

Sorry if I inadvertently offended some folk; obviously unintentional. Only trying to help !

David

SJR
10-04-2019, 06:28 PM
If you change your exhaust, then you should notify your insurers, surely then you would be covered?

I don’t quite understand the part where you can’t make it louder than the type approval, how does that work?
There are so many performance exhausts for sale, surely most must increase the sound level?

sJR

David
10-04-2019, 07:52 PM
That's the funny thing about laws. They don't have to make sense, and very often don't.
You can buy loads of things over the counter/internet which will make your car 100% road-illegal. Sometimes you are told ("Track use only"), more often not.

David

Zt pony
11-04-2019, 12:38 AM
If you change your exhaust, then you should notify your insurers, surely then you would be covered?

I don’t quite understand the part where you can’t make it louder than the type approval, how does that work?
There are so many performance exhausts for sale, surely most must increase the sound level?

sJR

A few comments ...on it all ...

The 260’s are...16 years old +/- . The Type approval would have been done...how long ago 16/17 yrs ❓ The Company ..MG ..went bust / is finished / no parts ..no official OEM parts produced anymore ..yes ❓
They came with a “ Standard “:Set of Silencers..yes❓ What about the famous X Power Silencers then ❓ They aren’t the same tone as the standards ..❓ They aren’t the same volume/ decibels ..❓ BECAUSE..if they were no louder ..didnt sound louder / throaty / etc...then WHY are they / why were they ..so sought after ❓ What about the numerous posts ..instructions how to ..sleeve ( I think it’s described ) the X Power Silencers ..to make them EVEN LOUDER ❗️
What about the ..who’s got the Loudest Exhaust Competitions ...at the Pride Of Longbridge ..days then ❓

Re my Zero’s ..they are constructed to oem dimensions . ..or as near as possible..they look normal/ standard ..I can’t get MG ones ..obviously..yes ❓ The bloody Car was made in 2004 ❗️ Do you REALLY think I would be prosecuted for fitting them ❓ My Insurance Company would invalidate my Policy ..because they were fitted ...❓ Utter unadulterated Bullshit ❗️

Unless you fit ..obviously hi special performance Exhausts ..to a newish car...or mega ..ridiculously loud Exhausts..on a car...you will be absolutely fine ..no problems .

Motorbikes...thousands of them..all fitted with aftermarket ..performance..LOUD as buggery ..Exhaust Sytems. BECAUSE...miles cheaper than the standard OEM Exhausts.. other than the hi Performance considerations .

BUT...out of interest...IF you de Cat your Exhausts System ...fit “ Sports Cats “ .....more than likely ...your Car ..will not...or WOULD NOT..pass an MOT. ❗️ SO....you have an accident...the Cars taken away ..the Insurance Assessor examines the damaged Car...it’s discovered that ..you have removed the Cats/ by passed them/ fitted Sports Cats ...which mean ...in that state ..YOUR CAR WOULD NOT pass an MOT ..guess what..your Car is deemed unroadworthy..with a void MOT..no pay out for the damage etc.

There are are many other things that can ..possibly..cause problems re Insurance...TYRES..for example.Our OEM / TYPE APPROVAL Tyre Size ..225/45 R 18. Yes ❓ IF you change the sizes to..235/40 R18...it’s not only ..fitting a different ..none oem size...it’s also..potentially dangerous..could be a MOT fail ...AS...because it’s a 40 per cent Ratio Tyre size ..it should be fitted to a Wheel with a minimum size of 8 inches width. Our wheels ..standard..are 7.5 inches wide ..yes ❓
This is As Tyre Manufactures recommendations . ..stated on their literature. Min/ max recommended Tire Sizes for Wheel Rims Etc ❗️

IF..people want to moralise ..and act like Holy Joe’s ..re the anti social nature of having throaty loud Exhausts on your 260...then ..why bloody own one yourself..Standard Exhaust Silencers or not ❗️ You’ve bought an old V8 ..petrol guzzler ..not super efficient..emissions is ..to start with. Buy an electric Car...if your such a Morally superior person. Or get a Bicycle..go on public Transport .

IF..all this ..void Insurance..illegal Exhausts stuff was...true ..or seriously a massive threat ...there wouldn’t be thousands of Shops / Tuning Companies ..selling them . Kevin at Zero...wouldn’t have a highly successful Company ..making Exhausts for a huge variety of performance and classic cars.

IF ..I had fitted performance Manifolds to mine ...then I would ..have informed my Insurance Company .

But ..I cant get standard official..MG Silencers ..because the Company is finished,,bust..gone..and I purchase a a pair of Stainless Boxes ..standard sizes , or near enough, ..that have a different exhaust note ..that may not exactly match the Silencers that were originally on the car in 2004 ..AM I going to worry about the invalidation of my Insurance Policy...worry about being hauled before the local Magistrates..for a unroadworthy Car ...of course I’m blood well not ❗️

My Zero’ are very throaty..with a “ Mustang note “ ..they won’t cause loss of hearing to anyone in near proximity.

This is a performance Car Club. A specialist Performance Car..with a big USA Ford Mustang 4.6 V8 Engine in ❗️
They are fast cars . That’s what it’s all about...why the bloody hell are be piddling about ..discussing...are our Exhausts too loud for ❗️❗️❗️ Come on ..it’s namby pamby crap.

Lighten up everyone.

Gentlemen...Rev your Engines ❗️

Zt pony
11-04-2019, 01:07 AM
In David's defence Harry I didn't read his reply to you as an opinion on social morality but more of a light hearted comment regarding the legal standing of possibly infringing legalities. I often think it is more than helpful (although sometimes irritating I agree) for people to point out the pitfalls of some of our courses of action. Regarding the type approval comment unfortunately he is perfectly correct and the implications regarding invalidating insurance are sadly, as so many people will testify, all too true, insurance companies are all too keen to look for ways to avoid paying out on claims.
I really don't think he was trying to moralise or patronise but more to provide information...........anyway about those tyres......! :)

Nich.

I STILL feel guilty about our “ Tyre Wars “ posts Nich ❗️ There I was criticising your Continental Tyres recommendation..saying my Toyo’s We’re so much better...your Continentals were crap...ya boo sucks Etc ❗️AND..the Tyres I’d taken off ..were actually ..BRIDGESTONES ❗️❗️ It was only months later I realised ..my embarrassing cock up ❗️
Anyway..Toyo have changed the actual T1 Sports Tyres ..into the Proxy Sports now..and ruined them evidently ❗️ A new Compound. Terrible test results ..every test..nearly the lowest score ..in Dry , Rain, you name it ..road test conditions. A real shame..I need a new set soon..won’t be choosing Toyo’s again.

The new ( ish ) ....Continental Premium 6 ...Tires actually sound quite good ...I’m tempted ....Looked at some highly regarded German Magazine Tyre Tests ...on impressive Test Circuits...and they reckoned the Conti’s were the DB’s ...best handling on dry , best steering / cornering ..and won the tests ..ahead of the usual current Tyre Test hero ..the Michelin Pilot Sport 4 ❗️

Please look at my post re : Kwic Fit Tyres ...( posting tomorrow ) with regards to my Local Branch Managers Tyre recommendation for my 260:❗️ It’s hilarious ...actually ..it’s an insanely dangerous recommendation ..a Tyre Fitment suggestion...that would probably end up in my swift death...if I accepted his “ knowledgable expert’s “ advice ❗️
I would never ever but Tires from them anyway ..I was only checking prices. But it really was amazing..how useless they are ..starting from the Top down ❗️

T16
12-04-2019, 12:14 AM
Louder backboxes voiding UK insurance....rofl, the internet really does propagate some absolute BS.

I wish people would stop spouting things as gospel.

People are dying and starving all around the world, and you have people arguing semantics over a backbox.......

SCP440
12-04-2019, 08:39 AM
Louder backboxes voiding UK insurance....rofl, the internet really does propagate some absolute BS.

I wish people would stop spouting things as gospel.


As much as I agree with you insurance companies do try it on when it comes to claims, I know of a classic car that had an accident and when the insurance assessor came to ''inspect '' the car he found that the colour was wrong, the car had been resprayed in another colour and they had not been told. Luckily the owner had taken his insurance out through a broker and they argued the point for the owner and the insurance company did pay out.

How can changing the colour of your car infect the insurance? They will do anything looking for a way out including the checking the depth of tread on the tyres even if a radio has been stolen.

Steve

Nich
12-04-2019, 09:50 AM
Having just spent the last 18 months trying to get a 'claim' against my name removed from the CUE (Claims and Underwriting Exchange) database because it never happened I can personally testify to the lengths insurance companies will go to extract every last penny from you in premiums and try to avoid paying out in the event of a claim.
They WILL void your insurance if they uncover anything out of the ordinary about your car, it's not a rational decision, who would imagine that custom made exhausts would affect anything other than the sound the car makes but if you don't inform your insurance company about 'modifications' then they will use it against you to avoid paying out on claims.
I found out to my cost that the CUE database is used by all the larger insurance companies to check claims against your name regardless of cause, blame or fault and this does affect the premium you pay. I discovered that a query I had lodged 18 months ago had been entered as a multiple vehicle collision for which I was to blame, this hiked my premiums with every insurance company I tried to renew with. After several heated phone calls and over several months this was changed to a single vehicle collision for which I was not held to be at fault. It was changed a second time to reflect a single vehicle collision which I was not to blame for costing £8 in repairs. How can a reported accident (which this wasn't) be changed like that when it so dramatically affects the renewal premiums. The company reporting the alleged incident could not provide any evidence of phone calls or written notes to support the occurence of this alleged accident but they still refused to remove the record. I finally had to provide sworn testimony to the insurance company that the accident did not happen but have received no acknowledgement of fault or any compensation for higher premiums paid. As I pointed out to them they had no grounds whatsoever to enter those details in their database because the accident never happened and so I had been left with the problem of trying to prove a negative something that never happened, someone, somewhere had pressed the wrong button and I was suffering the consequences. In spite of all my protestations the insurance company refused to change the database in spite of the fact that they could not provide me with any evidence of a claim, nor could they tell me how the database entry had been changed so dramatically and on whose authority. The only reason I managed to get any sense back into this situation was through my broker and threats of interaction with the Ombudsman.
I think the point about this debate is that we all like to think we live in a tolerant, fair minded society where there is give and take on both sides and for the most part that is true but we do have to accept that there are times when someone, somewhere will pop up and say "Allo, allo, allo what's goin on ere then?" and you will then find that the MOT man will fail your car because of the air freshener hanging from your rear view mirror (forward vision restricted) or your number plate not complying completely to accepted standards even though they've both been fitted for years and have never ever been a problem in the past. I don't intend to live my life worrying about how loud my exhaust is or whether my paint colour is original but I am not stupid enough to think that it will not affect something somewhere and it will come back to bite me....maybe.

Nich (CUE database checked and clear).

SteveTD
12-04-2019, 01:47 PM
Reading the way some of these posts are written surprised me. I then saw what time of day they were posted and suddenly it made sense. Perhaps a ban on all posting after 10pm....! ;)

SCP440
12-04-2019, 02:22 PM
The problem is we all try and save money and with insurance you don't actually see what you have bought unless you need it, who actually reads the small print?

I have a Transit van I use for work that is kitted for my work out so hiring a van does not work well. Last year I had a bump and it needed some repairs. My broker knows the situation and within less than 4 hours they had given authority for the work to be carried out. 6 days later and just over £5k later I was back in my van and 3 days of that was waiting for parts from Ford .The hire van I had to use was costing me £60 a day. Yes I am sure I could get my van insurance a few quid cheaper but the fact I had my van back so quickly makes me realise its not worth trying to save.


Steve

Zt pony
12-04-2019, 04:08 PM
The problem is we all try and save money and with insurance you don't actually see what you have bought unless you need it, who actually reads the small print?

I have a Transit van I use for work that is kitted for my work out so hiring a van does not work well. Last year I had a bump and it needed some repairs. My broker knows the situation and within less than 4 hours they had given authority for the work to be carried out. 6 days later and just over £5k later I was back in my van and 3 days of that was waiting for parts from Ford .The hire van I had to use was costing me £60 a day. Yes I am sure I could get my van insurance a few quid cheaper but the fact I had my van back so quickly makes me realise its not worth trying to save.


Steve


I think you’ve hit the nail on the head..re: Motor Insurance. ...it’s definitely NOT worth trying to just get the cheapest quote offered. It’s like most things in life..if it’s cheap..there’s inevitably a catch ..or a reason why..and you don’t realise this ..until the crap hits the fan...eg with Insurance..when you make a Claim on the Policy .

Again..re “ the small print “.. very often it’s not just a case of ..not bothering to read it...nowadays..the ..small print ..is often hidden / or emitted. The prime example of this is in the Insurance Comparison Sights ..when you actually click on the..proceed button...very often the Insurance Companies main sight ..either offers ..different small print..extra small print..compared to the Comparison Company’s..policy resume.

Whats the point of saving a few quid ..when you stand to lose ..many Thousands of Pounds ..if you've made a bad choice..Insurance Company wise .

I use NFU. No , they aren’t the cheapest . BUT..the service is absolutely first Class. .in every possible way . No waiting for hours on the telephone, polite efficient staff, clear and concise policy details , and ..fair and reliable Claims Service..in the event of a prang or write off situation.

i had a Claim about 8 years ago..a write off . They sent me a write off Figure ..I was not pleased with. BUT..upon their suggestion..I went to their local offices..with a bundle of information. It tool 45 minutes for the Girl in the office to FAX over to NFU HQ . Bill of sale..every receipt for everything ever spent..detailed photos..articles about the car ..showing prices..rarity..etc. AND..the next day ..they actually DOUBLED their offer .

I think the trick ..to guarantee ..a decent/ fair/ correct ..Insurance Claim payout ..is SERVICE HISTORY..by reputable / expert Marque / Model ...Garages . Especially..if they will back any value claims up etc.

The problem with self maintenance on a Car / Motorbike..where Claims ( Write Off ) ..IS..PROOF .proof the maintenance has been done ..and proof it’s been done correctly..by someone who knows what they are doing ...has acknowledged acceptance of being an “ amateur expert “ ..in the classic car spheres ..collectors car world..etc.Is known for doing CFS up..showing them..etc.

A pile of RECEIPTS for Parts..in a folder ..doesn’t necessarily work..when pursuing a Claim. It doesn’t mean they’ve been fitted ..or they have been fitted correctly. As stated by Insurance Companies by the way.

However, in the case of yourself ..STEVE..an expert on / works with Jensen’s I believe..highly desirable “posher Cars “ .....work done on 260’s ..would be deemed done by a man involved in the..Quality Classic Cars ...and would be regarded as 100% “ Kosher “

BUT..general normal person.... not in the trade/ no standing in the Classic / Collectors / Specialist shares ...falls under the
“ owner tinkering “ .sort of Maintenance....and .isn’t regarded highly by Insurance Companies..in the event of validation of Values offers for a Car Etc..in a Claim situation.

On the... Pete Best..Guaranteed self certified..Agreed Valuations....I am dubious as to their actual validity. Has anyone in the Club..EVER..received a ..pay out for the full ...agreed Value ..from Pete Best & Co ...
Of course..the Companies ..Pete Best..in an name only now ..as it’s been taken over ...and I believe no Bests..are involved in any way now. The Company’s who’s bought PB...has not definitely not got blemish free reviews ...it’s interesting to note.

An an example of the NFU’s good points ...I informed them of a change of Alloys / Tyres ..on the Toyota Aristo Twin Turbo ( previously mentioned in my Write Off Claim ) . Big buggers the wheels were..with wide low profile Tires on. BUT..I sent details of ..WHY..I needed to change them . 16” OEM alloys Japanese ..it was an Import..Couldn’t get the standard Tyre size now ..ones available not correct speed rating etc..155mph Twin Turbo car etc .
Anyway..goos news ...they okay.you can fit them. Bad News...an extra £75 to pay per annum ..on policy . GOOD NEWS.....we have increased the estimated Value of your Car ..by £750 ... re new Wheels .....( Wheels extra Value..not Tyres ..)
Also....my Policy Premiums ....GO DOWN ...every year ...NOT UP . And that’s nothing to do with NCB etc..as I’ve got a max 8 yrs anyway .
Another bonus...full RAC ..Breakdown ..inc at home ..and Relay back to home or a garage of your choice ...for £35 a year addition to Premium . That’s probably.got to be worth ....£100 ( new customers RAC ) to £160 + ..continued membership,)
So...that’s effectively..£100:to £160 or so...OFF the Premium . ..

Anyway...definitely..tell your Insurance Company about ..ANY ..changes to the Cars original specs. Or risk ending up in the sh*t one day...Claim time.

Changes to Wheels..including, maybe , even APEX Wheels....if not actually fitted as standard on your 260 ...definitely Tyres Sizes ...( 235/40 18 as example..and be careful re this size...as they shouldn’t be put on a 7.5 wide wheel..according to Tyre Manufactures Data..40% aspect ratio etc ...VHS Suspension Kit...Spoilers / Body Kit...De Cat’s / by passed Cats on Exhausts ( invalidates MOT..wouldn’t pass with the de Cat ..more than likely ...an Exhaust System ..”.very much “ modified
Bigger bore pipes..cross ( al la Mustang ) pipes..completely different shaped Silencers ( none Zero shape / appearance..as they are the nearest to oem appearance ..I believe . .change of body colour ( YES..I was nearly. caught out on that one myself years ago..A green Fiat..changed to Ferrari Red ..thank God I kept copies of the permission/ acceptance from the Insurance Company. ..the buggers had increases by Premium a lot too..had bid arches on too. .....also ..STRIPES ..Tinted Windows ..Etc...all potentially..problematic...if you don’t inform the Insurance Companies .

Anyway..that’s it for Insurance now...I’ve bored myself to death now.....probably anyone reading this ...has fallen asleep too .

Zt pony
12-04-2019, 05:02 PM
Having just spent the last 18 months trying to get a 'claim' against my name removed from the CUE (Claims and Underwriting Exchange) database because it never happened I can personally testify to the lengths insurance companies will go to extract every last penny from you in premiums and try to avoid paying out in the event of a claim.
They WILL void your insurance if they uncover anything out of the ordinary about your car, it's not a rational decision, who would imagine that custom made exhausts would affect anything other than the sound the car makes but if you don't inform your insurance company about 'modifications' then they will use it against you to avoid paying out on claims.
I found out to my cost that the CUE database is used by all the larger insurance companies to check claims against your name regardless of cause, blame or fault and this does affect the premium you pay. I discovered that a query I had lodged 18 months ago had been entered as a multiple vehicle collision for which I was to blame, this hiked my premiums with every insurance company I tried to renew with. After several heated phone calls and over several months this was changed to a single vehicle collision for which I was not held to be at fault. It was changed a second time to reflect a single vehicle collision which I was not to blame for costing £8 in repairs. How can a reported accident (which this wasn't) be changed like that when it so dramatically affects the renewal premiums. The company reporting the alleged incident could not provide any evidence of phone calls or written notes to support the occurence of this alleged accident but they still refused to remove the record. I finally had to provide sworn testimony to the insurance company that the accident did not happen but have received no acknowledgement of fault or any compensation for higher premiums paid. As I pointed out to them they had no grounds whatsoever to enter those details in their database because the accident never happened and so I had been left with the problem of trying to prove a negative something that never happened, someone, somewhere had pressed the wrong button and I was suffering the consequences. In spite of all my protestations the insurance company refused to change the database in spite of the fact that they could not provide me with any evidence of a claim, nor could they tell me how the database entry had been changed so dramatically and on whose authority. The only reason I managed to get any sense back into this situation was through my broker and threats of interaction with the Ombudsman.
I think the point about this debate is that we all like to think we live in a tolerant, fair minded society where there is give and take on both sides and for the most part that is true but we do have to accept that there are times when someone, somewhere will pop up and say "Allo, allo, allo what's goin on ere then?" and you will then find that the MOT man will fail your car because of the air freshener hanging from your rear view mirror (forward vision restricted) or your number plate not complying completely to accepted standards even though they've both been fitted for years and have never ever been a problem in the past. I don't intend to live my life worrying about how loud my exhaust is or whether my paint colour is original but I am not stupid enough to think that it will not affect something somewhere and it will come back to bite me....maybe.

Nich (CUE database checked and clear).


Good Lord Nicholas...that?s appalling. Big Brother stuff ...makes you wonder about what false information ? they?
hold about us generally doesn?t it . It?s the ..uncountability factor ..it?s true..your guilty..we don?t have to provide proof bit...that?s so scary .
Anyway..glad you beat them..and got it all sorted out in the end.

Can you ? name and shame? the Insurance Company involved.. or would you prefer not to comment .

Harry

Zt pony
12-04-2019, 05:08 PM
Reading the way some of these posts are written surprised me. I then saw what time of day they were posted and suddenly it made sense. Perhaps a ban on all posting after 10pm....! ;)

I don’t know what David’s nocturnal habits are Steve, but as regards to myself..I don’t crawl out of my Coffin till it strikes Midnight ..and have to thence return before Dawn . Any Internet posts therefore need to be executed within this timeframe.:)

SCP440
12-04-2019, 05:28 PM
I suggest the amount of information that is incorrect is bigger than we think, I know that about 5 years ago I went to renew my insurance on my van and they apologised for the increase in premium but it was for the claim I had a few months before? I asked what claim? They looked it up and apparently my van had been involved in an accident on the M25 and it had all been sorted. The odd thing is my van has never been anywhere near the M25 ever as I only drive it locally.

I am the only driver as my wife wont drive it ( she says its too big) and as it is on the drive I would have known if it was missing. Anyway after a bit of research it turns out the vehicle that had been involved in the accident was one letter out on the reg and in fact was a Ford truck not a van. Somebody must have typed my number in by mistake and had seen Ford and that was enough. Because there was only damage to the third party I had heard nothing. It was soon sorted thanks to my broker who earned there commission that day.

Steve

James C
12-04-2019, 06:18 PM
Depending on what site I go on, some still think YD05 GMS is a Nissan Micra!

Shame they never offer to match the price based on that though :D

torque2me
15-04-2019, 07:07 PM
Nich (CUE database checked and clear).

Nich, how does one access and check CUE?

Kev

Nich
15-04-2019, 07:45 PM
Nich, how does one access and check CUE?

Kev

Hi Kev,

You have to complete a form (available here (https://www.mib.org.uk/media/425181/data-subject-access-request-cue_v20.pdf)) and send it in with proof of identity. This is from the relevant website:

https://www.mib.org.uk/managing-insurance-data/mib-managed-services/cue-miaftr/


Claims and Underwriting Exchange (CUE)

CUE is a central database of motor, home and personal injury/industrial illness incidents reported to insurance companies which may or may not have given rise to a claim. Information held on CUE is a powerful weapon in the fight against fraud.
CUE was established in 1994 to help fight insurance fraud. By enabling insurers to access details of incidents, it makes it harder to successfully commit claims fraud or misrepresent claims history. Ultimately, this helps to keep down the cost of insurance for honest policyholders.
CUE has been expanded to accept data relating to travel insurance claims with the launch of its new platform, CUE Travel. CUE Travel is the first central database of the industry?s claims and notifications for travel insurance policies. It has been developed to allow insurers to validate a policyholder?s travel claims history for both claims management and underwriting purposes. Insurers can make the most of this new platform by requesting a CUE subscriber pack by contacting CUETravel@mib.org.uk
If you wish to find out what information is held about you on the CUE database, please complete a Subject Access Request form (https://www.mib.org.uk/media/425181/data-subject-access-request-cue_v20.pdf). Alternatively if you wish to contact us regarding a complaint, or any other query relating to these databases, please contact MIB on on 0345 1652803 (freephone) or at dataprotection@mib.org.uk.



Nich.

scooter
16-04-2019, 06:38 PM
Its simple any change from standard has to be notified and yes noise can matter. Check out the new MOT regs about noise. If you have a bad tester who does not like you he can fail your car if he thinks its much louder than a standard car of the same type.