Mazda Rotary Club

General => Insuring your rotary => Topic started by: T11MNM on February 27, 2008, 01:29:09 PM

Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 01:29:09 PM
Typical, I find a car that fits my bill and find it has been registered as a 2.6. Now the insurance firm who would quote me on a car with a 1300cc displacement can\'t quote on the 2.6 because it isn\'t in the system.
 
Has anyone got around this problem?
 
Any help appreciated!
 
Thanks
 
Tim
Title: Insuring 2616cc Car
Post by: batman on February 27, 2008, 01:40:17 PM
my vehicle was insured as a 2.356 thats what the guy said the data base has the rx7 listed under
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 01:53:47 PM
What does it say on the logbook?
Title: Insuring 2616cc Car
Post by: m4drx on February 27, 2008, 01:56:41 PM
same problem other way round.

i rang 40-60 companies and completed the whole yellow pages with mine. i shouldbe faxed a copy of the log book but didnt (apparently you can do that if they dont beleve its a 1300) but all said 2414 or 2616 or something. insured for one year as a 2414 but realised that is for an fc didnt bother me and next year new company 2616 etc.

my tax id only £115 a year so i really feel for anyone who has the 2600 log book.
Title: Insuring 2616cc Car
Post by: hairyhoover on February 27, 2008, 02:02:18 PM
mines insured as a mazda rx7 2616 turbo coupe import!
 
had to make a claim last year and didnt have a problem. (elephant btw)
 
cheers
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 02:03:23 PM
What does that one say on logbook?
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 02:17:55 PM
my rex7 was unlucky and its been registered as a 2600. im with elephant and they have it as a 2354 if i remember correctly I made them write a note on my policy that they have the capacity wrong.

and on my log book it says 2600cc
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 02:25:15 PM
Because i\'m looking for a single turbo car i\'m finding it difficult to get insurance quotes. The one company who would quote me happy are now saying that unless they can find it on the ABI then they won\'t insure me.
 
Having called them and telling them it\'s a Type R and registered a 2.6 they said they can\'t quote me. After me telling them that this may need addressing as they are losing business they didn\'t seem interested.
 
It might be time to qrite a suitably worded email to them and see if i get anything back.
Title: Insuring 2616cc Car
Post by: Nik da Greek on February 27, 2008, 02:29:16 PM
Unfortunately DVLA have woken up to the fact they can steal some more of our hard-earned from us by classing them all as 2.6. When I registered my current FD the woman at DVLA insisted on doing it as a 2.6. When I kicked up about it, since it was the same engine from out of my previous written-off car, which was registered as 1.3 she showed me the internal memo they\'d recieved about it.
 
Apparently it went like this; some bright spark at DVLA had got Mazda to agree that since there more power "strokes" per revolution than a piston engine (or some such gibberish), they could double the capacity for registration/tax purposes. That means I now get utterly raped on tax, but those lucky enough to have registered earlier pay less. Which really grips my sh!t since the exact same engine was taxed at the lower rate for the first five or six years in this country in another car! And since when has road tax been determined by power output? Why aren\'t two-strokes charged double? Consistency, please!
 
I registered at Brighton DVLA, and the officious bird at the desk did seem particularly keen, and very pleased with herself to have cost me a load more money, but it wouldn\'t surprise me if other offices with less malicious staff haven\'t caught up with it yet. The insurers didn\'t seem to care, they class all FDs as 2600 already (or the ones who know what they\'re talking about did). I think they use the 2400 capacity for FCs but may be wrong on that one
Title: Insuring 2616cc Car
Post by: D2BBA on February 27, 2008, 02:54:46 PM
Yup youre right Nik, do a forum search and youll see that alot of insurance  companies incorectly state the FD capacity at 2.4, which is the FC capacity.  

This could cause problems during a claim (?)

Try an import Jap specialist such as A-Plan, they have mine right at 2.6 (not 1.3 or 2.4).  Mine is registered as a 1.3 on the log book BTW, but that shouldnt reflect on insuance and aint going to make it dead cheap :)

Chris
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 03:08:08 PM
I\'ve tried following today:
 
A-Plan, AON and Sky who all say i need to be over 25!
Title: Insuring 2616cc Car
Post by: SmbFD3S on February 27, 2008, 03:15:32 PM
Is this gonna be your main car or a second car??
 
You can insure it as a classic / cherished car if it\'s a second car you see which costs a lot less usually....
 
Mines a UK car and has been classed as 2616cc since day one....  just be thankful tho Rex\'s are not taxed on the emissions like they are now!!! Now that would be expensive...
 
If you\'re struggling with A-Plan and AON you really are struggling, as these are prob the cheapest and best to insure modified cars.... I wouldn\'t touch Sky to be honest, heard bad things about them from some Skyline owners.....
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 03:31:20 PM
Quote from: T11MNMI\'ve tried following today:
 
A-Plan, AON and Sky who all say i need to be over 25!


Dude. told you! its proper hard to get insured on a single if your less than 30 and a virgin as well lol.

if you do manage to find someone who will insure you, they will rape you till it bleeds.
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 03:33:03 PM
Just sent lengthy email to a partner at Greenlight who i\'m trying to get insurance through.
 
Looks like i\'ll have to let this car go, insurance is a real nightmare!
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 03:34:47 PM
The car is going to be run as a second car, has anyone had any dealings with Keith Micheals?
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 03:34:57 PM
thats the thing that makes twins so good cos you can easily get insured on them for about £500!

just out of interest how old are you?
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 03:38:05 PM
I\'m 23, insurance isn\'t a problem on a car that is registered as 1308 or 1300. I think the thing that annoys me the most is the fact that it\'s pot luck whether or not the car you want to buy has been registered as 1300.
 
If the car i was looking at was a twin and registered as 2616 i\'d still have problems so the fact it being a single makes no difference.
 
I worked the angle of, as more and more RX7\'s are imported and registered as 2616 as per DVLA\'s now standard then they will be losing more and more business.
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 03:53:22 PM
your probably right there fella. but im with elephant and they have mine down as a 2.4! when i got the certificate through i told them that they had the engine size wrong as it was 2.6 on my log book.  they did have everything else right though. but told me they could never insure me on a single turbo.

they said that they would put it on the notes and didnt charge me anything. ive been lucky and never had to claim.. but if i did they wouldnt be able to say anything about the engine size.

if i was you buddy i would go along with what ever they say is right but explain to them that its well known that the ABI database incorrectly states the engine size.

if they really get shirty then id ask to speak to the underwriter directly.
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 03:55:05 PM
I\'m not going to de-fraud my insurance it\'s not worth it, i\'ve put my point across and we\'ll see what they reply saying.
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 04:02:14 PM
its not fraud mate, its a mistake on their systems,

i damn sure haven\'t defrauded mine, i didn\'t even realise they had it wrong until i had already bought my policy. they said it was ok and just added it onto the notes in my policy.
Title: Insuring 2616cc Car
Post by: SmbFD3S on February 27, 2008, 04:08:04 PM
Bit of a grey area really this, 2.4 is an FC so surely they have the year and the model wrong aswell ???
 
My insurance gave me options to choose from which included all the models, and which type i.e. X, R, UK or import etc... So it must be on a database somewhere??
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 04:11:07 PM
Hehe, i wasn\'t implying you had de-fruaded the policy.
 
What an absolute farse the DVLA are!
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 04:39:23 PM
Well the official word from greenlight is a big fat NO and as they have only had 70 problems over the last 3 years the number isn\'t big enough to warrant them chasing it.
 
My evening tonight will be taken up by chasing insurance companies, ho hum!
Title: Insuring 2616cc Car
Post by: SmbFD3S on February 27, 2008, 04:46:16 PM
See how you get on with some of these, it\'s worth a go.....
 
http://www.strikeengine.com/high_performance_car_insurance_uk.html (http://www.strikeengine.com/high_performance_car_insurance_uk.html)
Title: Insuring 2616cc Car
Post by: civicboy28 on February 27, 2008, 05:14:08 PM
im 22, but i have got rwd experince, as i listed all the cars i drove when i was working as a car salesman. so they took that to the underwriter and they insured me. Also i said i dont care what excess they put on it. (so we agreed on 1000 lol)
and i pay 1600 a year. with 1 year ncb.
Its registerd as a 2.6 as well and insured as such.
 
Sometimes its who you speak too. and if they can be bothered. alot just say under 25 or 30 NO WAY and thats people who already insure under 25\'s etc.
 
its very hit and miss.
 
If you do get a single just go on eliphant/admiral and insure it as a turbo coupe 2.6 lol its very cheap!
Title: Insuring 2616cc Car
Post by: jurgen on February 27, 2008, 05:29:39 PM
Quote from: Nik da GreekUnfortunately DVLA have woken up to the fact they can steal some more of our hard-earned from us by classing them all as 2.6. When I registered my current FD the woman at DVLA insisted on doing it as a 2.6. When I kicked up about it, since it was the same engine from out of my previous written-off car, which was registered as 1.3 she showed me the internal memo they\'d recieved about it.
 
Apparently it went like this; some bright spark at DVLA had got Mazda to agree that since there more power "strokes" per revolution than a piston engine (or some such gibberish), they could double the capacity for registration/tax purposes. That means I now get utterly raped on tax, but those lucky enough to have registered earlier pay less. Which really grips my sh!t since the exact same engine was taxed at the lower rate for the first five or six years in this country in another car! And since when has road tax been determined by power output? Why aren\'t two-strokes charged double? Consistency, please!
 
I registered at Brighton DVLA, and the officious bird at the desk did seem particularly keen, and very pleased with herself to have cost me a load more money, but it wouldn\'t surprise me if other offices with less malicious staff haven\'t caught up with it yet. The insurers didn\'t seem to care, they class all FDs as 2600 already (or the ones who know what they\'re talking about did). I think they use the 2400 capacity for FCs but may be wrong on that one
what the man says as above is true
Title: Insuring 2616cc Car
Post by: Matt_K on February 27, 2008, 05:42:19 PM
Quote from: Nik da GreekUnfortunately DVLA have woken up to the fact they can steal some more of our hard-earned from us by classing them all as 2.6.

Here\'s the letter I got from the DVLA after arguing the toss it was a 1.3 in the local DVLA office

QuoteFurther to your application to register the above Japanese Imported vehicle

Unfortunately we are not able to complete your application.

1. Vehicle excise duty for cars not falling within the Graduated Vehicle Excise Duty scheme is based upon the cylinder capacity of the internal combustion engine within the vehicle. The term \'cylinder capacity\' is meant to encompass the total engine capacity (i.e. the total swept volumes of all cylinders of a conventional piston combustion engine)

2. Whilst the vast majority of cars are powered by a conventional piston engine, there is an alternative engine style and that is the rotary engine. Rotary engines are not engineered in the same way as a conventional internal combustion engine and they are far more powerful for their size than ordinary engines. As rotary-engined cars do not have a conventional piston combustion engine they must pay the higher rate of duty appropriate to the PLG class and as far as we are aware, there are three models within the Mazda series that are powered by rotary engines, the models being RX7, RX8 and the NSU Ro80

3. Therefore, in the case of rotary engine vehicles, the rate of duty is calculated from the sum of swept volumes of each of the rotors in the engine, multiplied by two. This is standard engineering practice based upon the consolidated Council Directive 91/441/ and Annex 1, Para 2.11 of that directive reads:

Engine capacity means:

2.11.1 For reciprocating piston engines, the nominal engine swept volume
2.11.2 For rotary (Wankel) engines, double the nominal engine swept volume

4. Mazda support the view that the engine capacity for vehicles with rotary engines should be recorded as twice the swept volume of each of the rotors in the engine. Thus the swept volume per rotor for the RX7 and RX8 is set at 654 and set at 497 per rotor for the NSU Ro80

5. Using the swept volume supplied in point 4 above a Mazda RX7 with two rotors in the engine would have its CC\'s set at 2616 being calculated as (654 + 654) x 2 = 2616

You may wish to note that the requirements for the payment of Vehicle excise duty and the registration and licensing of vehicles in the UK are laid down in the Vehicle Excise and Registrations Act 1994, (as amended), and the Road Vehicles (Registration and Licensing) Regulations 2002

This legislation stipulated the duty payable for cars with internal combustion engines and goes on to say that if a vehicle does not fall within that category, then the general rate applies and since your Mazda RX7 does not have an internal combustion engine it falls to be licensed at the general rate. Currently standing at £180 per 12 months or £99 for 6 months.

to the original poster, doesn\'t matter whether they\'re registered with the DVLA as 1.3 or 2.6, all FD\'s will be insured as 2.6.
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 05:45:58 PM
I\'m going to speak to the insurer tomorrow, it\'s typical that i can\'t find anyone else to insure a single though, sods law!
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 05:57:16 PM
Adrian Flux have just come in with a VERY good quote and to think i wasn\'t going to even bother with them!
Title: Insuring 2616cc Car
Post by: FD3SNuttah on February 27, 2008, 06:25:30 PM
really!!! everytime i have phoned them they want me to bend over so they can give it to me hard.

might try them again in a couple of months!

how much did they tell you dude?
Title: Insuring 2616cc Car
Post by: T11MNM on February 27, 2008, 08:02:10 PM
Tell me about it, i already had my trousers undone ready for the dry ass raping, lol!
Title: Insuring 2616cc Car
Post by: Nik da Greek on February 27, 2008, 08:19:07 PM
Quote from: T11MNMTell me about it, i already had my trousers undone ready for the dry ass raping, lol!

Blimey! If I knew Flux offered that sort of service I might have stayed with them :mmmm !
Title: Insuring 2616cc Car
Post by: karl_tate on February 27, 2008, 10:22:12 PM
was it for a single turbo??
 
what kind of price did it come out at??
 
hope you get some insurance sorted soon. cannot, and have never been able to insure an FD as a 1.3 though
Title: Insuring 2616cc Car
Post by: ENVYD on March 01, 2008, 10:01:07 AM
am with fluxxy i got insured on my fd when i was 19 with 1y NCB i only turned 20 last month and they put it down as a 2.6 type r twin turbo import coupe cost me £1800 tptf
 
things you do for love
Title: Insuring 2616cc Car
Post by: SmbFD3S on April 09, 2008, 11:20:59 AM
Just got renewal quote from my existing classic car insurance and thought i could do better quite honestly than £530 standard (no mods)
 
So spoke to AON who the club have a deal with if you are a full member so offer further discount.
 
Just had a quote from them of £301 fully comp with all mods declared (Apexi, Exhaust, Wheels, Induction, Suspension) very happy with that :D:D
 
This is also on an agreed limit, and 5000 miles.  Dont matter about NCB due to being on a limited mileage policy and 2nd car so i\'d give them a go definately :D  I\'m 29 btw :)
Title: Insuring 2616cc Car
Post by: ghostjd on September 02, 2008, 10:04:01 PM
With green light they only insure whats on the tax book, and as long as whats on the tax book is the same as on the code 44 database then your fine otherwise you ain\'t insured.

2616cc is on the code 44 register but only as an automatic some nice person got there insurance company to add it to the list.  However no one has done this for the manual yet.

I\'ve tried Mazda UK several times however they refuse to do it and say it isn\'t their problem.  But do agree that its a x2 654cc but under an agreement with dvla all new engines should be classed as a 2616cc (my car is a 93 FD its 15 years old thats hardly new).

I\'ve asked my current insurance company to add it to the list but they haven\'t done so yet which means I\'ll be paying in the region of £1300 for insurance this year instead of £400 quoted by green light if my car was a 2354cc (as on the Code 44 database).  Insurance is doubley hard as I live in Northern Ireland.

So every one that has there car registered as a 2616cc on their V5 ask there insurance company to add it to the list. Surely someone will do it.
Title: Insuring 2616cc Car
Post by: jackaleks on September 03, 2008, 09:46:41 AM
the whole 654 + 654 x 2 thing is a joke; i thought the whole point of the eccentric shaft was that a twin rotor engine had the same firing frequency as a four pot Otto cycle engine?
 
if you had a 1.3 4cyl engine with a whacking great turbo making 250+ bhp (hypothetically!) it would still be insured and taxed as a 1.3. this all reeks of profiteering really.
Title: Insuring 2616cc Car
Post by: ghostjd on September 04, 2008, 09:25:53 PM
Spoke to a guy at Mazda today and asked when the agreement with the DVLA was struck regarding the x2 swept volume was implemented and he is going to have a look into it, it was actually a guy from the DVLA that brought it to my attention that it (the agreement) applied to all new rotary engines (which I assume was the Renissis).

Now I remember seeing some of the RX8s being registered as 1308cc but that was changed possibly around 2003 0r 2004 can\'t remember when.

Dean was also unaware that imported FDs are only classified as 2354cc on the Code 44 database x1.8 swept volume, hopefully he\'ll get back to me with some good news, (that Mazda will say we can get the car registered as a 2354cc) and we can get insured eisier and a lot cheaper and not worry about insurance companies not paying out if the worst ever happens.

I can\'t see why not as we would remain in the same tax bracket so no revenue would be lost, here\'s hoping.
Title: Insuring 2616cc Car
Post by: FDAsh on September 04, 2008, 11:58:10 PM
Try Graham Sykes. My car is insured through them as a 1.3 as that\'s what it is on the logbook. I\'m 18 days older than you and it comes out at 1700 with additional drivers, breakdown and euro cover.

In the Manchester area too, so not a good postcode.