Insurers and remaps
Discussion
Don Veloci said:
Considering a Revo stage 1 remap, or equivalent on a MK7 Golf.
The timing ties in well with insurance renewal.
Are there insurers on the comparison lists known to be more favourable towards this than others?
Currently with Admiral and will enquire with them directly too.
Admiral, although being a sThe timing ties in well with insurance renewal.
Are there insurers on the comparison lists known to be more favourable towards this than others?
Currently with Admiral and will enquire with them directly too.
te insurer, used to be fairly reasonable on stuff like this.Ask them?
broadspeed1 said:
The insurance company would know it's remapped how? How were you supposed to know it's remapped?
If you like paying more for no reason go for it.
The date and time of the remap is stamped on the ECU. If you like paying more for no reason go for it.
If you were to make a claim, it would almost certainly be discovered.
TREMAiNE said:
broadspeed1 said:
The insurance company would know it's remapped how? How were you supposed to know it's remapped?
If you like paying more for no reason go for it.
The date and time of the remap is stamped on the ECU. If you like paying more for no reason go for it.
If you were to make a claim, it would almost certainly be discovered.
Escort3500 said:
TREMAiNE said:
broadspeed1 said:
The insurance company would know it's remapped how? How were you supposed to know it's remapped?
If you like paying more for no reason go for it.
The date and time of the remap is stamped on the ECU. If you like paying more for no reason go for it.
If you were to make a claim, it would almost certainly be discovered.
If, for example you were involved in an accident, you were at fault and they think you were driving dangerously they might go to extra lengths to look into things, but mostly I don’t think a remap would ever be picked up.
I’m not saying don’t declare it (you should) but thinking insurance companies go full csi on every claim is pure fantasy.
SteBrown91 said:
Escort3500 said:
TREMAiNE said:
broadspeed1 said:
The insurance company would know it's remapped how? How were you supposed to know it's remapped?
If you like paying more for no reason go for it.
The date and time of the remap is stamped on the ECU. If you like paying more for no reason go for it.
If you were to make a claim, it would almost certainly be discovered.
If, for example you were involved in an accident, you were at fault and they think you were driving dangerously they might go to extra lengths to look into things, but mostly I don’t think a remap would ever be picked up.
I’m not saying don’t declare it (you should) but thinking insurance companies go full csi on every claim is pure fantasy.
SteBrown91 said:
I’m not saying don’t declare it (you should) but thinking insurance companies go full csi on every claim is pure fantasy.
They may not go CSI on every claim, but if you have a large claim, with tp injury or death and a potential pay out of hundreds of thousands, they will do. And the police accident investigator will too. I had to change when I had my Leon done as it was a higher percentage increase than Direct Line would insure for. They said because they had to cancel through no fault of my own I’d get the remainder of the policy refunded with no penalties. Went with Adrian Flux in the end, I think at renewal time my premium actually went down.
SteBrown91 said:
I find this pretty unlikely to be honest. Insurance assessors barely make the effort to come out to look at a car let alone scan it with specialist diagnostic systems.
If, for example you were involved in an accident, you were at fault and they think you were driving dangerously they might go to extra lengths to look into things, but mostly I don’t think a remap would ever be picked up.
I’m not saying don’t declare it (you should) but thinking insurance companies go full csi on every claim is pure fantasy.
Ultimately you don't know the severity of the accident you may be in until you're in it - if they want to check they can and will and they will find the car doesn't have a stock map.. if the accident is serious enough with personal injury or worst case lives are lost, is it worth the risk to suddenly find your insurance is voided and you face litigation for damages and losing your house etc?.. for the sake of a few ££..If, for example you were involved in an accident, you were at fault and they think you were driving dangerously they might go to extra lengths to look into things, but mostly I don’t think a remap would ever be picked up.
I’m not saying don’t declare it (you should) but thinking insurance companies go full csi on every claim is pure fantasy.
SteBrown91 said:
I agree, but just trying to dispel the myth that any mod will definitely be picked up and you will be punished with death belief by some in this thread.
100% agreeAssessors I’ve seen barely know what they’re looking at under the bonnet.
On topic, don’t some insurers use the term ‘chipped’ which I can’t stand??
Bobton125 said:
SteBrown91 said:
I agree, but just trying to dispel the myth that any mod will definitely be picked up and you will be punished with death belief by some in this thread.
100% agreeAssessors I’ve seen barely know what they’re looking at under the bonnet.
On topic, don’t some insurers use the term ‘chipped’ which I can’t stand??
insurers will look for easy ways to refuse payout, even if it isn't something which contributed to damage or whatever, because it invalidates the policy. Plugging a OBD scanner in and checking a few quick details could save them £thousands. Don't listen to any half-baked idiot telling you not to notify your insurance. It's useless advice for the OP anyway as he is talking about very visible cosmetic mods not 'hidden' performance ones.
I've found that remapped cars generally have no change to insurance as long as the power hike (not torque) is less than 10%.
(2 x Saabs, 1 x Golf, 1 x Mercedes, 1 x French POS who's name I will not utter)
There is no actual definition for Stage 1/2/3/78.23 crap, so anyone using that sort of terminology should be charged double just for being a wally.
(2 x Saabs, 1 x Golf, 1 x Mercedes, 1 x French POS who's name I will not utter)
There is no actual definition for Stage 1/2/3/78.23 crap, so anyone using that sort of terminology should be charged double just for being a wally.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff