How much does a remap have on insurance premium?
Discussion
Having worked in the salvage industry for 12 years, I can honestly say I've never witnessed a car being examined for a remap.
Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
XRMike said:
Having worked in the salvage industry for 12 years, I can honestly say I've never witnessed a car being examined for a remap.
Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
This!Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
When my MX-5 was written off, the guy that collected the car and me from the scene of the accident said that what normally happens is that the guy from the insurance company calls him up and asks if he needs to come down to the yard or if it's a simple write off/not write off situation and to send pictures. It's only in complicated cases that the assessor seems to bother coming out so I doubt anyone usually checks for a remap.
That said, I would always declare it!
Depends on insurer, I did a load of work to car for track days: remap, suspension, brakes, exhaust, clutch etc... current insurer (esure) wouldn’t cover it so went to Adrian flux and my costs came down by £400 a year. Previous insurer was almost certainly pulling my pants down admittedly but still!
XRMike said:
Having worked in the salvage industry for 12 years, I can honestly say I've never witnessed a car being examined for a remap.
How many cars have you dealt with that have been involved in a huge claim, where the third party costs are running into hundreds of thousands or even millions? Those are the ones that will be gone over with a fine toothed comb, not the £1500 Corsa that ended up in a ditch. XRMike said:
Having worked in the salvage industry for 12 years, I can honestly say I've never witnessed a car being examined for a remap.
Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
To provide a different view, I'm a Counter fraud investigator for a FTSE100 insurer, whilst checking for remaps is more an underwriting concern it is an available tool to a number of departments, one that I use often.Usually visible mods are noted accordingly including exhaust and suspension.
You'll be interested to know that the majority of vehicle write off's are inspected by non-insurance workers, the final write up is done by them only to put a category on the vehicle.
Its only usually difficult/valuable cases where an actual insurance worker will come out to inspect the car, usually because it costs so much.
It's not as expensive as you think to get the enquiries completed, depending on how much information you want and whether you want it in a court compliant format.
ChevronB19 said:
Are you completely stupid, or is this just a weekend thing?
Here's a thought, every time a car goes into the dealer to be serviced they plug a diag tool in and often, not always, a new map is uploaded. Do you tell your insurance company then?
Not being facetious or anything but it may involve a power increase too which is basically what the OP is on about
Edited by Oilchange on Sunday 13th October 11:59
I've had several cars remapped. Never told the insurance company. One car I purchased had already been mapped -'factory standard' 
Can't understand why anyone would inform their insurance about a simple remap. In many cases detection of it would involve a remap specialist employed by the insurance compnay plugging a laptop with the standard map uploaded comparing it to the map present on the ecu being examined. Then there's no way to prove which owner had the map done!
Can't understand why anyone would inform their insurance about a simple remap. In many cases detection of it would involve a remap specialist employed by the insurance compnay plugging a laptop with the standard map uploaded comparing it to the map present on the ecu being examined. Then there's no way to prove which owner had the map done!
When you go on the phone or you fill in the quote online they specifically ask “is the car modified in any way” so it’s not that you are holding info back rather you are committing fraud / deception.
If that sits well wil you so be it but it’s not legal and naturally god forbid we’re the worst to happen accident and you kill someone not in the car OR in your car you will have no insurance. You will be sued for compensation likely lose you house/bankrupt.
All to save a few quid—- makes you wonder what this sort of person think is ok to ignore with other laws?
If that sits well wil you so be it but it’s not legal and naturally god forbid we’re the worst to happen accident and you kill someone not in the car OR in your car you will have no insurance. You will be sued for compensation likely lose you house/bankrupt.
All to save a few quid—- makes you wonder what this sort of person think is ok to ignore with other laws?
popeyewhite said:
I've had several cars remapped. Never told the insurance company. One car I purchased had already been mapped -'factory standard'
Can't understand why anyone would inform their insurance about a simple remap. In many cases detection of it would involve a remap specialist employed by the insurance compnay plugging a laptop with the standard map uploaded comparing it to the map present on the ecu being examined. Then there's no way to prove which owner had the map done!
There are not many questions to which the correct answer is "commit insurance fraud". This is, most definitely, not one of those questions.Can't understand why anyone would inform their insurance about a simple remap. In many cases detection of it would involve a remap specialist employed by the insurance compnay plugging a laptop with the standard map uploaded comparing it to the map present on the ecu being examined. Then there's no way to prove which owner had the map done!
Welshbeef said:
When you go on the phone or you fill in the quote online they specifically ask “is the car modified in any way” so it’s not that you are holding info back rather you are committing fraud / deception.
If that sits well wil you so be it but it’s not legal and naturally god forbid we’re the worst to happen accident and you kill someone not in the car OR in your car you will have no insurance. You will be sued for compensation likely lose you house/bankrupt.
All to save a few quid—- makes you wonder what this sort of person think is ok to ignore with other laws?
I wonder, is it actually illegal to not inform an insurance company of a remap, can you be prosecuted for fraud?If that sits well wil you so be it but it’s not legal and naturally god forbid we’re the worst to happen accident and you kill someone not in the car OR in your car you will have no insurance. You will be sued for compensation likely lose you house/bankrupt.
All to save a few quid—- makes you wonder what this sort of person think is ok to ignore with other laws?
Which law would one be breaking?
Oilchange said:
ChevronB19 said:
Are you completely stupid, or is this just a weekend thing?
Here's a thought, every time a car goes into the dealer to be serviced they plug a diag tool in and often, not always, a new map is uploaded. Do you tell your insurance company then?
Not being facetious or anything but it may involve a power increase too which is basically what the OP is on about
Edited by Oilchange on Sunday 13th October 11:59
This is completely different, the map is OEM, a manufacturer discovers that they need to make changes or forced to through something like dieselgate so upload a new map at service time or recall. The insurer isn't going to be bothered as that is seen as a lower risk than a someone going for a full bore high performance remap. that new map is just a consumable compared to changing the clock or retuning the radio.
also someone looking to increase the performance will probably be a more performance orientated driver....
Insurers want to know EVERYTHING, not declaring changes to a car will invalidate a policy, end of. My insurer has a remap down as bhp increase. I dont know if they check ECUs or whatever but its not very difficult to check and for the minimal increase in the policy cost you would have to be pretty dumb not to tell your insurer.
Oilchange said:
Here's a thought, every time a car goes into the dealer to be serviced they plug a diag tool in and often, not always, a new map is uploaded.
Do you tell your insurance company then?
Not being facetious or anything but it may involve a power increase too which is basically what the OP is on about
No as the car is still being flashed to OE spec, and not aftermarket modification. I can certainly see what you're trying to ask though. Do you tell your insurance company then?
Not being facetious or anything but it may involve a power increase too which is basically what the OP is on about
Edited by Oilchange on Sunday 13th October 11:59
ruggedscotty said:
Oilchange said:
ChevronB19 said:
Are you completely stupid, or is this just a weekend thing?
Here's a thought, every time a car goes into the dealer to be serviced they plug a diag tool in and often, not always, a new map is uploaded. Do you tell your insurance company then?
Not being facetious or anything but it may involve a power increase too which is basically what the OP is on about
Edited by Oilchange on Sunday 13th October 11:59
This is completely different, the map is OEM, a manufacturer discovers that they need to make changes or forced to through something like dieselgate so upload a new map at service time or recall. The insurer isn't going to be bothered as that is seen as a lower risk than a someone going for a full bore high performance remap. that new map is just a consumable compared to changing the clock or retuning the radio.
also someone looking to increase the performance will probably be a more performance orientated driver....
I have a remap in my car with only a comparatively small hp increase, what it does is bring the fans on earlier, raise the rpm limit by I think 200 to 7450 and smooth out a fuel mapping blip at 3,000, probably a few other things but the bhp increase is about 10 over 280.
Oh, and when they asked if the car had been modified I said yes, it is geared up for racing (stripped and caged etc) but is required to be road legal. I don't remember listing all the modifications including the remap. They were happy with that.
Edited by Oilchange on Sunday 13th October 13:32
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