Engine remap doubes my insurance quotes!!! Any tips?

[ic0n]

VladD said:

Unless of course you crash said car and kill someone, the insurance company take possession of car and go over it with a fine toothed comb, then refuse to pay out because you didn't declare the mod, and then you have to pay millions in compensation out of your own pocket, which you can't obviously, so you go bankrupt and possibly to prison. Not likely, but worth bearing in mind.

They cannot refuse to pay a third party.

[aka_kerrly]

ic0n said:

VladD said:

Unless of course you crash said car and kill someone, the insurance company take possession of car and go over it with a fine toothed comb, then refuse to pay out because you didn't declare the mod, and then you have to pay millions in compensation out of your own pocket, which you can't obviously, so you go bankrupt and possibly to prison. Not likely, but worth bearing in mind.

They cannot refuse to pay a third party.

That's not the issue, it's after the insurer pays the third party and then demands that you (policy holder) pay them back in full that it becomes a big problem.

I can't believe there are people out there who still think insurers are mugs that don't know how to identify a modified car. If you have a modified car, use a specialist broker, it's that simple.

[HaloGen8]

VladD said:

HaloGen8 said:

V8covin said:

How would your insurer find out if you remapped your car if you didn't tell them ?
They wouldn't so don't tell them

This ^^^

Unless of course you crash said car and kill someone, the insurance company take possession of car and go over it with a fine toothed comb, then refuse to pay out because you didn't declare the mod, and then you have to pay millions in compensation out of your own pocket, which you can't obviously, so you go bankrupt and possibly to prison. Not likely, but worth bearing in mind.

A fair comment and yes I can see the logic, but in reality will it ever happen? There are lots of cars out there with, 'sports suspension' freeflow air filters etc. all modifications which I'm sure 99% of the owners do not declare but essentially promote the driver to think he or she can explore the limits of their vehicle thus have them crashing in a huge fireball killing bus ques of people. Ok in the real world these events are rare. Crappy tyres contribute to major offs far more than remaps I would say - but thats a thread for another day.

[Monty Python]

ic0n said:

They cannot refuse to pay a third party.

Could you explain why - if you don't disclose something to your insurance company, what's to stop them declaring the policy invalid, and in that case, why should they pay out anything to anyone?

[marctwo]

Pebbles167 said:

Greenlight have been very good to me, especially with mods.

^^ THIS ^^

I don't even bother shopping around anymore.

[dave_s13]

Adrian Flux gave me a very good price for my stage 1 remapped Leon Cupra R.

Then A-Plan, who just sent a renewal notice, beat it by a few quid so I stayed with them.

Fortunately I just changed my car the week my insurance was to expire so you get the advantage of being able to shop around.

[Andehh]

Pebbles167 said:

Greenlight have been very good to me, especially with mods.

+1

[LeoSayer]

HaloGen8 said:

V8covin said:

How would your insurer find out if you remapped your car if you didn't tell them ?
They wouldn't so don't tell them

This ^^^

In other words lie to the insurance company, commit fraud and most likely not be insured when it matters most.

[MonkeyHanger]

Sky Insurance
A Plan
Chris Knott
Greenlight Insurance

Any one of those will do you a better deal than a comparison site and you can be sure the modifications are actually noted. I'm not convinced the comparison sites actually pass the modification details onto the insurers.

[V8forweekends]

Monty Python said:

ic0n said:

They cannot refuse to pay a third party.

Could you explain why - if you don't disclose something to your insurance company, what's to stop them declaring the policy invalid, and in that case, why should they pay out anything to anyone?

http://en.wikipedia.org/wiki/RTA_Insurer

[skinny]

i use A-plan for my heavily modified MX5. i had a stock golf gti with admiral but then bought a mapped leon cupra R - admiral wouldn't insure me so got that on A-plan too.

[dave7692]

V8covin said:

How would your insurer find out if you remapped your car if you didn't tell them ?
They wouldn't so don't tell them

I know on VAG vehicles you can use the Vagcom to see how many times the engine map has been altered. It would take an insurance company about 5 minutes to figure it out and you'd be up st creek without a paddle.

You need to remeber that its a computer based modification and as you should hopefully know anything computer based is stored, traceable and remarkably easy to find. Some people seem to think the only way to test it would be to stick it on a rolling road and produce a printout.

[VladD]

V8forweekends said:

Monty Python said:

ic0n said:

They cannot refuse to pay a third party.

Could you explain why - if you don't disclose something to your insurance company, what's to stop them declaring the policy invalid, and in that case, why should they pay out anything to anyone?

http://en.wikipedia.org/wiki/RTA_Insurer

Interesting stuff. So if you have the mod and don't decalre it when you take the policy out, then they can go for article 75 and not pay a thing, even to a third party, as long as there's an insurance policy somewhere that will pay out. Is that right?

[V8forweekends]

VladD said:

V8forweekends said:

Monty Python said:

ic0n said:

They cannot refuse to pay a third party.

Could you explain why - if you don't disclose something to your insurance company, what's to stop them declaring the policy invalid, and in that case, why should they pay out anything to anyone?

http://en.wikipedia.org/wiki/RTA_Insurer

Interesting stuff. So if you have the mod and don't decalre it when you take the policy out, then they can go for article 75 and not pay a thing, even to a third party, as long as there's an insurance policy somewhere that will pay out. Is that right?

I'm not an expert (!), but I think if you ensure you didn't declare the mod you'd need to ensure you insurer would have charged extra rather than declined if they'd known. In practise, as I understand it, it is very rare (but not unheard of) for an insurer not to pay a third party (there's a case people keep quoting on here - I've fogotten it).

ETA

Here it is - http://www.echo-news.co.uk/news/8164221.Car_owner_...

Edited by V8forweekends on Friday 25th April 15:36

[Monty Python]

"If an insurer decides to void the policy they then have the right to cease proceedings on the policyholders claim. However, they may still be obliged to pay any innocent third party claimant as the RTA Insurer (i.e. they still have a liability to third parties). A maximum of £1,000,000 can be paid for third party property claims and the insurer may look to pursue their policyholder for the cost of any payments made."

So they may pay out, but in the end they'll come after you for the money.

[HJMS123]

I have an R26 meg and it's insured with Admiral, but they don't know it's mapped so not much help there lol

[Steve vRS]

HJMS123 said:

I have an R26 meg and it's insured with Admiral, but they don't know it's mapped so not much help there lol

Have you read the rest of this topic?

Steve

[russy01]

£600 is hardly a lot for a modified hot hatch. Ring around but I doubt you'll get anywhere near your £300 and rightly so.

[Escy]

Don't tell them

[HaloGen8]

But being honest...genuinely how many PHers which are posting on here have EVERY modification declared to their insurance be it alloy swap or air filter or window tint?

It's easy to point the finger but is everyone being truthful with their insurer??

Fess up time!