Upgrades & Insurance
Discussion
[quote]Humm
I've done all 3 but not said a word to them.
I will prob tell them about the exhaust when its time to insure it again, as its the only thing you will see on the car
Rob[/quote]
...except if you have an accident and the insurance assessor will hook into your ECU.End of game
I've done all 3 but not said a word to them.
I will prob tell them about the exhaust when its time to insure it again, as its the only thing you will see on the car
Rob[/quote]
...except if you have an accident and the insurance assessor will hook into your ECU.End of game
And pray tell Test123 what they are going to see when they "hook" into the CPU?
Any OBDII scan will show nothing at all different.
Exhuast I agree as that would be fairly obvious, so its worth declaring "mods" in any case. Extra cost is minimal, though some want to know what the uprated BHP rating is.
Any OBDII scan will show nothing at all different.
Exhuast I agree as that would be fairly obvious, so its worth declaring "mods" in any case. Extra cost is minimal, though some want to know what the uprated BHP rating is.
I understand that.
Im just asking how they will know that the ECU has been changed.
As far as I know there is no way they can tell.
This is a slightly off topic question as anyone would be silly not to declare mods for the obvious reasons.
Id just like to know what you think they will "see" in the ECU to know its non stock?
Im just asking how they will know that the ECU has been changed.
As far as I know there is no way they can tell.
This is a slightly off topic question as anyone would be silly not to declare mods for the obvious reasons.
Id just like to know what you think they will "see" in the ECU to know its non stock?
[quote]I understand that.
Im just asking how they will know that the ECU has been changed.
As far as I know there is no way they can tell.
This is a slightly off topic question as anyone would be silly not to declare mods for the obvious reasons.
Id just like to know what you think they will "see" in the ECU to know its non stock?[/quote]
Tis true.....only if you change the ecu for another one, may they be able to see. Especially if it relates to a different model year or chassis number. Guess one of the benefits of altering some settings of original ecu rather than changing whole item. Maybe
Im just asking how they will know that the ECU has been changed.
As far as I know there is no way they can tell.
This is a slightly off topic question as anyone would be silly not to declare mods for the obvious reasons.
Id just like to know what you think they will "see" in the ECU to know its non stock?[/quote]
Tis true.....only if you change the ecu for another one, may they be able to see. Especially if it relates to a different model year or chassis number. Guess one of the benefits of altering some settings of original ecu rather than changing whole item. Maybe
Woah....didn't mean to start a "fight" on this one.
I'm inclined to agree with test123 in that I should at least tell them that the ECU has been reprogrammed. However, I'm guessing they wont be able to fully understand whats been changed unless they send the map to Vauxhall.
In any event, as I would also be changing the exhaust, the remap was essential to ensure the emmission levels remain within MOT limits.
The bottom line is that if I declare it, then I'm probably gonna covered.
I'm inclined to agree with test123 in that I should at least tell them that the ECU has been reprogrammed. However, I'm guessing they wont be able to fully understand whats been changed unless they send the map to Vauxhall.
In any event, as I would also be changing the exhaust, the remap was essential to ensure the emmission levels remain within MOT limits.
The bottom line is that if I declare it, then I'm probably gonna covered.
[quote]Woah....didn't mean to start a "fight" on this one.
I'm inclined to agree with test123 in that I should at least tell them that the ECU has been reprogrammed. However, I'm guessing they wont be able to fully understand whats been changed unless they send the map to Vauxhall.
In any event, as I would also be changing the exhaust, the remap was essential to ensure the emmission levels remain within MOT limits.
The bottom line is that if I declare it, then I'm probably gonna covered.[/quote]
Totally agree that you should be open with them, i think the point ringram was making was only that alterations done to the pcm, as long as within accepatable limits, are not traceable if done correctly.
I'm inclined to agree with test123 in that I should at least tell them that the ECU has been reprogrammed. However, I'm guessing they wont be able to fully understand whats been changed unless they send the map to Vauxhall.
In any event, as I would also be changing the exhaust, the remap was essential to ensure the emmission levels remain within MOT limits.
The bottom line is that if I declare it, then I'm probably gonna covered.[/quote]
Totally agree that you should be open with them, i think the point ringram was making was only that alterations done to the pcm, as long as within accepatable limits, are not traceable if done correctly.
Well
You all know the "mods" on my car (ex-pomona). The car is more upgrade than original!
I declared all the upgrades, and managed to get a quote, fully comp, with ZERO NCD (it's on my Alpina) for £1,200 which is flipping good since I pay the same on the Alpina with full NCD. I reckon if you declare it when you're looking around, you'll find someone who is happy to take on modded cars.
PS suppose there's a nasty accident, car is written off, you're in hospital for 6 months, someone's died. You really do NOT want any sort of insurance problem at that point. I would always be up front about mods.
>> Edited by gregwatson on Wednesday 28th December 19:54
You all know the "mods" on my car (ex-pomona). The car is more upgrade than original!
I declared all the upgrades, and managed to get a quote, fully comp, with ZERO NCD (it's on my Alpina) for £1,200 which is flipping good since I pay the same on the Alpina with full NCD. I reckon if you declare it when you're looking around, you'll find someone who is happy to take on modded cars.
PS suppose there's a nasty accident, car is written off, you're in hospital for 6 months, someone's died. You really do NOT want any sort of insurance problem at that point. I would always be up front about mods.
>> Edited by gregwatson on Wednesday 28th December 19:54
Some insurance companies are using a percentage based calculator on power upgrades which works out very nicely for us V8 owners.......
A recent customer was told he could have a 10% power increase before his premium would increase so he put the phone down to the insurance company and booked his car in for the 6.0Ltr essential pack.
Based on this type of policy it does not pay not to declare upgrades............. but just for the record an insurance company would need to buy a software package and unlimited licences (a few thousand pounds) to look at the PCM in your car and then they would need to have copies of all the original maps to use as comparison to see if the map had been changed and also employ and train people to drive around and check the small number of Monaros which might have a re map.
All possible for the insurance company but I would suggest not worth their time.
A recent customer was told he could have a 10% power increase before his premium would increase so he put the phone down to the insurance company and booked his car in for the 6.0Ltr essential pack.
Based on this type of policy it does not pay not to declare upgrades............. but just for the record an insurance company would need to buy a software package and unlimited licences (a few thousand pounds) to look at the PCM in your car and then they would need to have copies of all the original maps to use as comparison to see if the map had been changed and also employ and train people to drive around and check the small number of Monaros which might have a re map.
All possible for the insurance company but I would suggest not worth their time.
Yipee.... Well, I phoned Sainsbury and told them I want to put a Stainless Steel Exhaust System which will also require an engine remap which will add 10% BHP.
At first she said they probably would not cover it but she then went to the underwritters and they came back saying, No Problem...that'll be £56 extra please.
Right, all I need now is the snow to abate and then I'm off to get those upgrades....
BO55 VXR,
In answer to your question, probably! It depends on how far you are going?
All the Wortec upgrades Pacs have been designed taking such things into account. The Essential Pac is an exhaust and re-map. At this level there are no intake mods. Anything beyond this includes air intake mods.
Details of some intake mods have been detailed on this site several times, a good thread being by GSE.
Any mods to intake or exhaust however will require a remap to get the best from them.
Hope this helps.
In answer to your question, probably! It depends on how far you are going?
All the Wortec upgrades Pacs have been designed taking such things into account. The Essential Pac is an exhaust and re-map. At this level there are no intake mods. Anything beyond this includes air intake mods.
Details of some intake mods have been detailed on this site several times, a good thread being by GSE.
Any mods to intake or exhaust however will require a remap to get the best from them.
Hope this helps.
I am considering the exhaust and ECU remap, so I just called my insurance company, Admiral.
I told them that this would take the bhp from 350 to about 400, an increase of approx 14%, and they quoted an increase in premium of £169 for the remaining 6 months of the current policy. That works out at about £340 extra for a year!!
I told them that this would take the bhp from 350 to about 400, an increase of approx 14%, and they quoted an increase in premium of £169 for the remaining 6 months of the current policy. That works out at about £340 extra for a year!!
rocket said:
I am considering the exhaust and ECU remap, so I just called my insurance company, Admiral.
I told them that this would take the bhp from 350 to about 400, an increase of approx 14%, and they quoted an increase in premium of £169 for the remaining 6 months of the current policy. That works out at about £340 extra for a year!!
Me thinks you need to consider different insurer next time round.Gassing Station | HSV & Monaro | Top of Page | What's New | My Stuff