Power increase insurance
Discussion
How do they measure power in the event of a crash?
Genuinely wondering.
So most insurance companies have brackets that come with their own premium, usually its 25% increase for one bracket then anything over 25% is the next bracket and so on.
Lets say a car can have both 'stage 1' and 'stage 2' remaps and the only other 'performance mod' is a sports cat, which is declared on the policy.
Stage 2 remap takes the power 30% over stock, stage 1 is 25% etc.
How do they check this in the event of a claim? This is a specific scenario but wondering how they generally check.
Genuinely wondering.
So most insurance companies have brackets that come with their own premium, usually its 25% increase for one bracket then anything over 25% is the next bracket and so on.
Lets say a car can have both 'stage 1' and 'stage 2' remaps and the only other 'performance mod' is a sports cat, which is declared on the policy.
Stage 2 remap takes the power 30% over stock, stage 1 is 25% etc.
How do they check this in the event of a claim? This is a specific scenario but wondering how they generally check.
If it’s a small claim, chances are no one is checking. If it’s a big one and they’re on for a huge settlement, they’re going to check the car / insured out pretty extensively using any means they deem fit.
You don’t want to be the one where insurers settle then come to you for their losses when someone is badly injured.
You don’t want to be the one where insurers settle then come to you for their losses when someone is badly injured.
bencollins4 said:
If it’s a small claim, chances are no one is checking. If it’s a big one and they’re on for a huge settlement, they’re going to check the car / insured out pretty extensively using any means they deem fit.
You don’t want to be the one where insurers settle then come to you for their losses when someone is badly injured.
But how can they check a cars making 440 instead of 420 for example? Put it on a dyno?You don’t want to be the one where insurers settle then come to you for their losses when someone is badly injured.
inline6bmwfan said:
But how can they check a cars making 440 instead of 420 for example? Put it on a dyno?
They may inspect the ECU - all of them nowadays have a flash counter, so they can tell if its been remapped.They may also even inspect the map and compare with standard.
Like others have said, its probably unlikely for a small claim, but would be possible for a larger claim.
I doubt they would, unless as said before, someone died or something in which case if they wanted to know the exact power figure, then yes I'd expect they'd have to use a dyno. Who's dyno and where I don't know.
More likely they'd have a mechanic look over the engine, see what mods were there, and if the insurance company suspected the car was significantly different to what was listed they may well refer the matter to the police who might carry out a criminal investigation on you, where they'd probably find that you had the car remapped etc and didn't declare it. I think this kind of thing has happened before.
More likely they'd have a mechanic look over the engine, see what mods were there, and if the insurance company suspected the car was significantly different to what was listed they may well refer the matter to the police who might carry out a criminal investigation on you, where they'd probably find that you had the car remapped etc and didn't declare it. I think this kind of thing has happened before.
AlexGSi2000 said:
inline6bmwfan said:
But how can they check a cars making 440 instead of 420 for example? Put it on a dyno?
They may inspect the ECU - all of them nowadays have a flash counter, so they can tell if its been remapped.They may also even inspect the map and compare with standard.
Like others have said, its probably unlikely for a small claim, but would be possible for a larger claim.
inline6bmwfan said:
How do they measure power in the event of a crash?
Genuinely wondering.
(...)
This is a specific scenario but wondering how they generally check.
In other words, you got your car remapped, increased its power way beyond the manufacturer's specifications, insured it without declaring it to your insurance company, had a serious accident, and now you're trying to work out if and how the insurance company can work out that the car was remapped, presumably so that you can destroy the evidence first? Genuinely wondering.
(...)
This is a specific scenario but wondering how they generally check.
QuickQuack said:
inline6bmwfan said:
How do they measure power in the event of a crash?
Genuinely wondering.
(...)
This is a specific scenario but wondering how they generally check.
In other words, you got your car remapped, increased its power way beyond the manufacturer's specifications, insured it without declaring it to your insurance company, had a serious accident, and now you're trying to work out if and how the insurance company can work out that the car was remapped, presumably so that you can destroy the evidence first? Genuinely wondering.
(...)
This is a specific scenario but wondering how they generally check.
So the car MIGHT hit 450, but it also MIGHT be at 420, therefore thats why i was curious how it would be affected, im actually wondering generally aswell to be honest as this sort of thing always intrigues me.
They wouldn’t be able to tell if your on the edge of 24% or 26%. Those brackets are a rough guide to charge you more.
I also thought insurance companies can no longer refuse a pay out, but they can minus the extra amount the policy would have been from what they pay out. What stops them saying the policy would have been £10k I’m not sure.
I also thought insurance companies can no longer refuse a pay out, but they can minus the extra amount the policy would have been from what they pay out. What stops them saying the policy would have been £10k I’m not sure.
Edited by Glenn63 on Tuesday 2nd August 14:18
Glenn63 said:
They wouldn’t be able to tell if your on the edge of 24% or 26%. Those brackets are a rough guide to charge you more.
I also thought insurance companies can no longer refuse a pay out, but they can minus the extra amount the policy would have been from what they pay out. What stops them saying the policy would have been £10k I’m not sure.
Pretty sure they still have to pay third parties but will then go after the policy holder to recoup it all…I also thought insurance companies can no longer refuse a pay out, but they can minus the extra amount the policy would have been from what they pay out. What stops them saying the policy would have been £10k I’m not sure.
Edited by Glenn63 on Tuesday 2nd August 14:18
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