I can remember being told by my insurers that in the case of an engine swap declaration, the new price is calulated according to the donor car. So my question is: if I were to swap say from a 1.3 3F GT to a 1.4 ABD, might the insurance decrease as the 1.4 Golf is presumably cheaper to insure than a GT (don't know if it is actually cheaper - just in theory)? Or, is there a 'tax' added for the extra perceived risk of an engine conversion? Has anybody ended up with cheaper insurance despite using a larger engine - say specifically a 3F to an ABD? Or did it increase?

Never heard of insurance getting cheaper after a swap. Any excuse to put it up isnt missed

Fitting bigger brakes increases the premium!

And adding a central brake light

I've never heard of an insurance company dropping the price for a modification, in fact most mid-term adjustments encounter a fee of some description. 

If you're starting a new policy you may find that declaring modifications regardless of what they are can get you a cheaper price. However I've found that this is purely down to being quoted by a specialist company for the modified quote and a mainstream company for the standard car. 

Hi,

If you need any help with insurance for modifications then please feel free to drop me a line.

Regards,

Dan.