How much does a remap have on insurance premium?
Discussion
deckster said:
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!
Oh and for it to be fraud they'd have to take me to court and prove I was the person who 1. put the map on the car, and 2, deliberately lied on a form. Until then it's not fraud.
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.
Yep.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.
Usual load of b
ks posted in this thread by armchair experts.Not a single one of my clients has had a check for a remap.
The only occasion I could ever imagine this happening is in a fatality where speed was thought to be a contributing factor, and solicitors or Police requested an independent engineer to check for one.
Never heard of that happening either though!
Why is this even a question? You would have to be pretty effin stupid to risk voiding insurance and commit fraud to save a small amount on your insurance, regardless of probability of them checking.
Nothing to do with self righteous whatever, just sensible advice. It is risk Vs reward. Save a few quid but risk everything you own if you get found out.
Nothing to do with self righteous whatever, just sensible advice. It is risk Vs reward. Save a few quid but risk everything you own if you get found out.
TwigtheWonderkid said:
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. Yes some we checked over with a fine tooth comb but only under certain circumstances.
Oilchange said:
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?
Looks like “fraud by failing to disclose information” to me.
Or maybe “fraud by false representation”.
Im not sure if you are under a legal duty to disclose the information, in which case the false representation one would apply.
Edited by Warby80 on Sunday 13th October 14:10
Mike335i said:
Why is this even a question? You would have to be pretty effin stupid to risk voiding insurance and commit fraud to save a small amount on your insurance, regardless of probability of them checking.
Nothing to do with self righteous whatever, just sensible advice. It is risk Vs reward. Save a few quid but risk everything you own if you get found out.
No. Because you won't get found out. Think what you mean by risk vs reward. On my scale it's more beneficial NOT to declare.Nothing to do with self righteous whatever, just sensible advice. It is risk Vs reward. Save a few quid but risk everything you own if you get found out.
yonex said:
You do break the rules then, I see. Is it just the Highway Code which doesn’t apply to you, or do you have a list?
I don't admit to anything, but I certainly don't see how you can argue that wilfully admitting fraud for minimal gain is justifiable. Forgot morality, that is just not very clever.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
Not it would it's very unlikely a main dealers with update a car and increase the BHPDo 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
Possibly some sort of patch for emissions or to improve driveability but that's about it
yonex said:
It’s proving that some define morality as being able to be stty to others, whilst justifying why they’re hypocrites. Which is fine. But nobody wants to admit that one 
Why do you keep going on about morality? We are discussing about openly admitting and even advocating insurance fraud and whether this is a good idea or not. I take the stance that it isn't a good idea. tty to others, whilst justifying why they’re hypocrites. Which is fine. But nobody wants to admit that one Banging on about hypocrisy or speeding or whatever does not actually have anything to do with this.
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