[ky1324]

Hey everyone, so to be as brief as possible, I live in the Cayman Islands and as a birthday present my parents bought me a 2015 Ford Mustang Ecoboost 2.3l Turbo. I am just turning 18 and have been driving for 10 months now and I am having a very rough time finding insurance on my new car. Now I keep getting the same response from the insurance companies saying please buy a different car but as I tell them I already have it but that's besides the point. My question is this: Is it possible to remove the turbo from the car and have a operational vehicle just so I can get it passed the inspection? The issue I am running into is the turbo, so my dad keeps telling me to remove it and then replace it after the inspection.

Any answers are helpful!!!

Regards
Matthew

 

[ONEZ ST]

There really isn't an economical way to remove the turbo to pass the insurance inspection to lower insurance rates. The engine code that is part of the VIN number is what the insurance company uses.

I also would have concerns about insurance fraud if the car was to be restored back to a factory specs with the turbo.

 

[ky1324]

There really isn't an economical way to remove the turbo to pass the insurance inspection to lower insurance rates. The engine code that is part of the VIN number is what the insurance company uses.

I also would have concerns about insurance fraud if the car was to be restored back to a factory specs with the turbo.

Hey there, I am not actually looking to lower my insurance rate as I have already accepted I will be paying top dollar (one company quoted me $5000 USD until they realised it was a turbo then they just said they could not do it). I also want to get 3rd party insurance so there wouldnt be any restoring the car back to factory specs.

Not looking to save a few bucks just looking to try get the car on the road

*Currently no insurance company will offer me insurance which is why I am asking*

 

[Dana W]

Hey there, I am not actually looking to lower my insurance rate as I have already accepted I will be paying top dollar (one company quoted me $5000 USD until they realised it was a turbo then they just said they could not do it). I also want to get 3rd party insurance so there wouldnt be any restoring the car back to factory specs.

Not looking to save a few bucks just looking to try get the car on the road

*Currently no insurance company will offer me insurance which is why I am asking*

The ONLY way you may be able to do it at your age, is to have your Dad buy the policy, then you pay. You may actually have to get the car titled in your Dad's name just to get that one to work. When you turn 21, it may not be all that big of a deal any more, unless you jack your driving record.

Here in Florida, My 22 year old daughter had no problem getting insurance on a nearly restored bright yellow 1999 Dodge Dakota R/T 5.9 liter with some engine mods and lowered suspension.

 

[ky1324]

The ONLY way you may be able to do it at your age, is to have your Dad buy the policy, then you pay. You may actually have to get the car titled in your Dad's name just to get that one to work. When you turn 21, it may not be all that big of a deal any more, unless you jack your driving record.

Here in Florida, My 22 year old daughter had no problem getting insurance on a nearly restored bright yellow 1999 Dodge Dakota R/T 5.9 liter with some engine mods and lowered suspension.

Hello Dana Thanks for your reply. I have reached out asking about doing that exact thing but still they seam quite uptight and say regardless that is not possible. I will keep trying and hopefully get find somewhere I can get insurance on it!

 

[huberoy123]

I read your post earlier today, and my initial response was the same as Dana W. However, you already explored that option.
Based on your information, you may have to give serious thought to trading in the turbo for a model that is acceptable to insurance companies.
Good luck.

 

[Archangel208]

Have you gone through this entire list of insurers? Find someone with a turbo and see how they got it insured. I would be very surprised if you can't find someone who has done it.

https://caymanresident.com/live/transport/car-insurance/motor-insurance-providers/

 

[Strange Mud]

so one problem I see is if you remove the turbo...get insurance...then re-install the turbo....get in an accident...do you think the insurance will (should) pay?

nice gift btw....

 

[Strange Mud]

forgot to mention (although it was already said) the VIN tells all you ain't gonna pull a fast one by removing it.

 

[ky1324]

I read your post earlier today, and my initial response was the same as Dana W. However, you already explored that option.
Based on your information, you may have to give serious thought to trading in the turbo for a model that is acceptable to insurance companies.
Good luck.

Unfortunately that isn't an option (trade in) as I bought the car in the US and got it shipped to me. I will of course keep trying!

 

[ky1324]

Have you gone through this entire list of insurers? Find someone with a turbo and see how they got it insured. I would be very surprised if you can't find someone who has done it.

https://caymanresident.com/live/transport/car-insurance/motor-insurance-providers/

Checked every one on that list plus some more and nothing so far. I think the combination with it being a mustang, coupe, turbo, 6 speed auto makes it next to impossible to find insurance for.

Thanks a ton and I will look for someone with a turbo !!!!

Regards

Matthew

 

[ky1324]

so one problem I see is if you remove the turbo...get insurance...then re-install the turbo....get in an accident...do you think the insurance will (should) pay?

nice gift btw....

I am happy to get 3rd party so regardless they would not cover damage to my own car, I have done multiple courses in high speed handling (I have a 2016 BMW M6 GC in London) and I trust myself on the road but of course insurance companies don't . Even if they do check the VIN if the turbo is not there then cant they justify giving me a policy?


And yes I love it so much, cant wait to get it out rockonford.gif

 

[Dana W]

I am happy to get 3rd party so regardless they would not cover damage to my own car, I have done multiple courses in high speed handling (I have a 2016 BMW M6 GC in London) and I trust myself on the road but of course insurance companies don't . Even if they do check the VIN if the turbo is not there then cant they justify giving me a policy?


And yes I love it so much, cant wait to get it out rockonford.gif

I would forget all the talk about removing the turbo. Insurance companies don't ever actually see your car, at least not here in Florida. Once a turbo, always a turbo. Some cars do get inspected, modified show cars, or restored, and survivor antiques get on site appraisals but they can only be driven in very kimited ways, like to and from car shows, events and parades, if you're in them.

Besides, removing a turbo from a modern fly by wire car is a hugely complicated project requiring a crew of professionals to accomplish. You may have to replace every intake, exhaust, and fuel system part forward of the dashboard. And then there are the control modules and the programming to either replace or re-calibrate. There are no non-turbo 2.3 liter 2015 Mustangs so there is no source for non turbo OEM engine parts or electronics. There probably is no real after market source either, and no knowledge base to seek help from. It would be easier to swap in the V6. At least you'd only lose a handful of horsepower and 2 MPG. Besides, a non boosted 2.3 I4 will sound and drive like a 1967 VW Beetle. Like 19 seconds or more 0 to 60 time.

 

[ky1324]

I would forget all the talk about removing the turbo. Insurance companies don't ever actually see your car, at least not here in Florida. Once a turbo, always a turbo. Some cars do get inspected, modified show cars, or restored, and survivor antiques get on site appraisals but they can only be driven in very kimited ways, like to and from car shows, events and parades, if you're in them.

Besides, removing a turbo from a modern fly by wire car is a hugely complicated project requiring a crew of professionals to accomplish. You may have to replace every intake, exhaust, and fuel system part forward of the dashboard. And then there are the control modules and the programming to either replace or re-calibrate. There are no non-turbo 2.3 liter 2015 Mustangs so there is no source for non turbo OEM engine parts or electronics. There probably is no real after market source either, and no knowledge base to seek help from. It would be easier to swap in the V6. At least you'd only lose a handful of horsepower and 2 MPG. Besides, a non boosted 2.3 I4 will sound and drive like a 1967 VW Beetle. Like 19 seconds or more 0 to 60 time.

Thank you Dana

1967 Beetle dosent sound to bad ! Joking

Thanks to everyone for replying to the post it was much appreciated!!!

 

[Strange Mud]

Dana has a great point....it is not feasible to do this. I'm sure in the C's (been there...one of the better islands) greatly increases the difficulty of just getting another car, but, if you can't get anyone to insure it get another car. Going under the assumption your family has $ the risk of driving w/o insurance makes it not worth it.

If it was a V8 I'd be trying to work out a swap for you with my V6.....:wink: