Remapping and insurance premiums?!
Discussion
TorqueTalk said:
If it's not declared, in the event of a claim your insurance policy could be considered invalid - leading to all sorts of problems.
+1. And if not insured, then you're driving illegally. Not worth the risk. Edited by TorqueTalk on Monday 20th February 22:45
My remap results in an extra £100pa so small cost really.
TheEnd said:
Possible but unlikely.
If they would cover you, they might just ask for the extra in the premium that you would have paid, but in most cases, they won't be checking.
This is a bit of a dangerous thing to post.If they would cover you, they might just ask for the extra in the premium that you would have paid, but in most cases, they won't be checking.
It's blatantly untrue, and could get the OP into a serious amount of trouble.
Whilst I agree it's by no means certain that they'll find out. If they DO find out they will invalidate your cover.
LordHaveMurci said:
And once again we ask the question, what if the car was remapped before you purchased it and you genuinely had no idea?
Don't think it changes anything to be honest. You'd a) have to prove you didn't know and b) I suspect they would argue that you should do the necessary checks. Buyer beware etc.Similar sitaution would be if you buy a house that has a history of subsidence and you didn't declare it on a buildings insurance premium? It's up to you to know what it's history is I think.
Depends on how much risk you wish to take with your money. It's unlikely but your insurers could refuse to pay out and you'll be out of pocket £30k+ if you're driving an M3. For the sake of a few quid a year I'd prefer not to take the risk.
Interestingly I phoned my insurer (Tesco Bank) and asked how much my premiums will increase when I upgrade my exhaust. They told me they do not class exhaust changes as modifying, even with weight and power upgrades so do not charge an increased premium. Bonus!
Interestingly I phoned my insurer (Tesco Bank) and asked how much my premiums will increase when I upgrade my exhaust. They told me they do not class exhaust changes as modifying, even with weight and power upgrades so do not charge an increased premium. Bonus!
Cheib said:
LordHaveMurci said:
And once again we ask the question, what if the car was remapped before you purchased it and you genuinely had no idea?
Don't think it changes anything to be honest. You'd a) have to prove you didn't know and b) I suspect they would argue that you should do the necessary checks. Buyer beware etc.Similar sitaution would be if you buy a house that has a history of subsidence and you didn't declare it on a buildings insurance premium? It's up to you to know what it's history is I think.
TheEnd said:
I'm not entirely sure why you're trying to be so "clever".The OP asked a question which implied he was thinking of not declaring a remap to his insurance company. Someone else told him it was no big deal. I suggested that it would be unwise, and now you're getting all "smart" on me. I really don't understand why.
Personally I have absolutely zero interest in diesel cars, and I did think that posting in the M Power section it was something I didn't need to bother covering in my response.
When I had an accident a few years ago (hit from behind in slow moving traffic) the insurance company sent an assessor to look at my car. They inspected it quite thoroughly, including checking the tread depth and general condition of all the tyres, and spent probably an hour going over my car.
If you want to not bother declaring mods to your insurance company, then go right ahead, but whilst you're at it you should probably go for 3rd party only cover and save even more cash.
omniflow said:
When I had an accident a few years ago (hit from behind in slow moving traffic) the insurance company sent an assessor to look at my car. They inspected it quite thoroughly, including checking the tread depth and general condition of all the tyres, and spent probably an hour going over my car.
But he didn't rev the engine to check to see if the limiter was moved, or if it was remapped.Generally the advice is yes, tell your insurance company.
If you can afford £300-400 for a remap, then you can afford the 50-60 quid on insurance, but so far I've yet to head of an insurance company searching for a remap or invalidating the insurance because of it.
andygtt said:
Why not go the whole hog and just insure it as a stock BMW with a body kit rather than a real M3?
after all if your going to lie to your insurance company...
Of cause it's easier to spot so more lilkelly to be caught, but its the same thing!
But if you genuinely don't know, what you supposed to do......after all if your going to lie to your insurance company...
Of cause it's easier to spot so more lilkelly to be caught, but its the same thing!
Gassing Station | M Power | Top of Page | What's New | My Stuff