# For those with insured engine swaps
**URL:** https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528
**Category:** Canada Nissan Automotive
**Created:** [March 10, 2005, 9:33am UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528 "2005-03-10T09:33:57Z")
**Posts on this page:** 9
**Page:** 1
### Author:  [@DoubleDown](https://forums.speedlife.net/u/DoubleDown)
#### Post date: [March 10, 2005, 9:33am UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/1 "2005-03-10T09:33:57Z")
Who do you get insurance through, and did you get an appraisal first?
I’ve called three companies, and none will insure a modified car.
- Mike
---
### Author:  [@RS13](https://forums.speedlife.net/u/RS13)
#### Post date: [March 10, 2005, 9:41am UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/2 "2005-03-10T09:41:14Z")
I have asked my insurace and they said just tell us and give us and approx HP number and we will be fine. To get my money back if i total it i do need an apprasial. They also said if HP is increased by 100% or doubles my rates go up. I am currently with Melocke Monnex paying less than 100 per month for PLPD and comprehensive, no collision tho
---
### Author:  [@qualthar](https://forums.speedlife.net/u/qualthar)
#### Post date: [March 10, 2005, 4:33pm UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/3 "2005-03-10T16:33:36Z")
> They also said if HP is increased by 100% or doubles my rates go up.
That’s the same thing 😛
Try Morgex, they are a larger broker, I’m sure they can find you an insurance company. There’s an appraisal place right behind them too.
---
### Author:  [@Lo\_2enz0](https://forums.speedlife.net/u/Lo_2enz0)
#### Post date: [March 10, 2005, 6:17pm UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/4 "2005-03-10T18:17:41Z")
i am with monnex, except i haven’t told them about the engine swap. I should get around to it, depending on if I sell the car or not.
laurier
---
### Author:  [@alpha\_gangsta](https://forums.speedlife.net/u/alpha_gangsta)
#### Post date: [March 10, 2005, 7:39pm UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/5 "2005-03-10T19:39:02Z")
I’m curently with AllState, they aware of the engine swap however, not of the HP number.
I had to get the vehicle appraised before I could insure it as well.
---
### Author:  [@SRBURG13](https://forums.speedlife.net/u/SRBURG13)
#### Post date: [March 10, 2005, 9:33pm UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/6 "2005-03-10T21:33:51Z")
I was insured with Melloc Monnex, and after my appraisal, worth of the car went up like 3 fold and my hp went up 100%. My insurance went up like $24.
---
### Author:  [@DoubleDown](https://forums.speedlife.net/u/DoubleDown)
#### Post date: [March 11, 2005, 9:28am UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/7 "2005-03-11T09:28:20Z")
What? I’m with Meloche Monnex too, but I got a very different response than you guys. I was simply told, more than a 25% increase in HP and they won’t insure the car. They said, and I quote: “We don’t deal with modified cars”.
So either you guys are fucked if you write your cars off, or I’m not talking to the right person over there.
Any contacts?
- Mike
---
### Author:  [@Inzane](https://forums.speedlife.net/u/Inzane)
#### Post date: [March 11, 2005, 9:43am UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/8 "2005-03-11T09:43:18Z")
> [@DoubleDown](#):
>
> They said, and I quote: “We don’t deal with modified cars”.
That is NOT true. Talk to a Manager directly.
What Meloche Monnex won’t do is give you a 19A sub-clause with your appraisal, only a 19. So you are not gauranteed to be covered for your FULL appraised value.
But actually HAVING modifications is fine. I know lots of people with modified cars (disclosed) that are insured through Monnex.
---
### Author:  [@Lo\_2enz0](https://forums.speedlife.net/u/Lo_2enz0)
#### Post date: [March 11, 2005, 1:53pm UTC](https://forums.speedlife.net/t/for-those-with-insured-engine-swaps/138528/9 "2005-03-11T13:53:24Z")
ya, my car is on basic insurance, if i write my car off its gone and all that money is going down the drain. If its my fault i will shake it off and tell myself i am a dumbass. if someone hits me, umm that will be a approach to the situation.
laurier