Remap Friendly Car Insurers?

[MattS5]

Aviva are fine with it.
It might well refer to the call centre if you start the quote online, but they can add remaps up to a certain power increase and the cost wasn't prohibitive for my previous S3

Revo maps for a stage 1 are normally not above 20%, and they don't require a specific rolling rd print out either, so it just needs to be ball park, so whatever the software manufacturer states in their marketing blurb.

[chrispj]

Flibble said:

Admiral are fine with my remap (and various other mods). They allow up to 6 mods typically.

Admiral wouldn't quote for my Octavia because the quoted power increase was >25%. (2010 1.8TSi, 160hp originally, now Revo stage 1 giving an alleged 220) They covered it the first year for peanuts, then declined to renew the next year. Tried them again at last renewal (they cover my 2nd car) and they still didn't want to know.

So after 5 years of getting reamed on the insurance I'm having the map removed this year. It's absurd paying £600 for the family runabout when my Lotus with 60 more hp is £350...

[jchan1982]

I don't fully understand the quotes.

I have an Audi 2.0 TDi 150bhp and wanted to remap the engine (Stage 1 only) to make it perform like their 190bhp model.

The quotes I have for a remapped 150-->190bhp engine was much more than if I just bought the 190bhp factory model instead.

Any ideas why?

[DoubleD]

jchan1982 said:

I don't fully understand the quotes.

I have an Audi 2.0 TDi 150bhp and wanted to remap the engine (Stage 1 only) to make it perform like their 190bhp model.

The quotes I have for a remapped 150-->190bhp engine was much more than if I just bought the 190bhp factory model instead.

Any ideas why?

You are considered to be a higher risk

[Bagzie88]

I might be getting confused but I'm sure Adrian flux often have discount codes.... Will let you know if I can find any.

Yeah looks like they offer it to certain car clubs , might be worth a look about your cars owner forum?

My car isn't remapped but would they really know of it was?

Just saying I'm a law abiding citizen but I do use the mantra that what they don't know won't hurt unless they can prove it?

[TwigtheWonderkid]

Bagzie88 said:

My car isn't remapped but would they really know of it was?

Just saying I'm a law abiding citizen but I do use the mantra that what they don't know won't hurt unless they can prove it?

So you're a law abiding citizen for now, but if you ever get a remap, you'll become an insurance fraudster.

Good to know.

[Bagzie88]

TwigtheWonderkid said:

So you're a law abiding citizen for now, but if you ever get a remap, you'll become an insurance fraudster.

Good to know.

Yes send me to the gulag for the evil remap on my car I might do one day?

I was doing 42 in a 40 yesterday aswell should I report myself?

Everybody on here claims to be saints but I've been crashed into by two drivers whilst parked and both tried to drive off.

That's the real insurance fraud and I couldn't care less if the OP has a remap on his car or not if he hits me and owns up he's all right in my book.

Pistonheads is turning into the new Mumsnet.

Edited by Bagzie88 on Monday 27th April 22:43

[TwigtheWonderkid]

Bagzie88 said:

I was doing 42 in a 40 yesterday aswell should I report myself?

Did your insurance application ask you if you ever broke the speed limit? Mine didn't, it asked me if i had any motoring convictions. Just like it asked me if my car was modified.

If you can't tell the difference between those 2, I'm not sure you're bright enough to hold a licence.

[Robotron-2084]

Maybe try A Plan? I’ve got a heavily modified VW Transporter, all mods declared including a Revo map (204-250bhp) for £700 a year, although I do have other cars insured with them too which may help bring the overall cost down.

[mickyh7]

Whats the situation if you buy a car, and are genuinely unaware thats it has been remapped by the previous owner.
3.0 litre and above its hard to tell on a new to you car !
Your word against theirs, surely you cant always know ?
Even an Inspection wont show a map.
Which allows the liars in !

[TwigtheWonderkid]

mickyh7 said:

Whats the situation if you buy a car, and are genuinely unaware thats it has been remapped by the previous owner.
3.0 litre and above its hard to tell on a new to you car !
Your word against theirs, surely you cant always know ?

You've answered the question honestly and reasonably to the best of your knowledge, which is all you are required to do. They would have to show you knew about the remap in order to take any action against you.

[Bagzie88]

TwigtheWonderkid said:

Bagzie88 said:

I was doing 42 in a 40 yesterday aswell should I report myself?

Did your insurance application ask you if you ever broke the speed limit? Mine didn't, it asked me if i had any motoring convictions. Just like it asked me if my car was modified.

If you can't tell the difference between those 2, I'm not sure you're bright enough to hold a licence.

Your apparently not bright enough to realize the point I was trying to make that just about every single person on this forum has at some point broken a law however minor.

If the worst thing you ever do in your life is not tell an insurer about a remap then I would say your a pretty decent person.

But no you keep telling us about insurance fraud and how everyone is a bad person for not screwing themselves out of hundreds of pounds lining the insurers pocket.

Edited by Bagzie88 on Tuesday 28th April 23:37

Edited by Bagzie88 on Tuesday 28th April 23:38

[DoubleD]

Bagzie88 said:

Your apparently not bright enough to realize the point I was trying to make that just about every single person on this forum has at some point broken a law however minor.

If the worst thing you ever do in your life is not tell an insurer about a remap then I would say your a pretty decent person.

But no you keep telling us about insurance fraud and how everyone is a bad person for not screwing themselves out of hundreds of pounds lining the insurers pocket.

Like it or not, it is fraud.

[Bagzie88]

DoubleD said:

Like it or not, it is fraud.

It's an unprovable victimless crime.

Like I said before the ones who have scraped along my parked car at the supermarket and drove away or slammed there door into mine and left a dent I had to fix are a much bigger concern than the OP not declaring a remap.

Edited by Bagzie88 on Tuesday 28th April 23:40

[DoubleD]

Bagzie88 said:

DoubleD said:

Like it or not, it is fraud.

It's an unprovable victimless crime.

Edited by Bagzie88 on Tuesday 28th April 23:40

Yep, you would probably get away with it, but it is fraud.

[TwigtheWonderkid]

Bagzie88 said:

DoubleD said:

Like it or not, it is fraud.

It's an unprovable victimless crime.

Edited by Bagzie88 on Tuesday 28th April 23:40

It's not victimless. When people aren't honest with their insurers, they get a lower premium than the risk deserves, so are underpaying into the pot. Hence the honest policyholders have to pay more to cover the shortfall. Every motor policy includes about £40 fee the insurers pay to the MIB, so they can compensate people hit by uninsured drivers. If everyone bought insurance, there would be no need for the MIB, and we'd all pay £40 less.

Likewise, if everyone told the truth re mods, convictions, previous claims, mileage, etc. etc, the 10% or so of liars who would have to pay more into the pot, would mean the 90% of honest policyholders would be paying a bit less.

So far from victimless, there are tens of millions of victims.

[mickyh7]

No one has remembered at renewal time the Criminal Quotes that fly around aimed at honest people.
Unbelievable sums of money added for no reason, and when you ring them, they know all about the 'Game' they play.
Its an Annual Laugh seeing how much you will definitely save by shopping around.
Me?
Last year £450. Renewal Quote £750.
Different Company £400. With more cover?
Just saved £350
Dont talk about Victims here.
When will the Insurance Companies be stopped?

[DoubleD]

mickyh7 said:

No one has remembered at renewal time the Criminal Quotes that fly around aimed at honest people.
Unbelievable sums of money added for no reason, and when you ring them, they know all about the 'Game' they play.
Its an Annual Laugh seeing how much you will definitely save by shopping around.
Me?
Last year £450. Renewal Quote £750.
Different Company £400. With more cover?
Just saved £350
Dont talk about Victims here.
When will the Insurance Companies be stopped?

Ha ha honestly? Its your own fault if you pay too much. They offer you a price, its you that says yes I am happy with that price, no one is forcing you.

[Driver101]

DoubleD said:

Bagzie88 said:

DoubleD said:

Like it or not, it is fraud.

It's an unprovable victimless crime.

Edited by Bagzie88 on Tuesday 28th April 23:40

Yep, you would probably get away with it, but it is fraud.

It's not unprovable either. Remaps can easily be detected.

[milkround]

I'll get abuse (probably rightly) for this...

But I've never admitted to any form of modification on any car I've ever owned. Now I've never gone mental and added spoilers or other rubbish. But I have upgraded parts and tinkered.

Here is a question for the ultra honest members. If you need new pads and disks do you mention you have pagid on rather than oem? If you get new tyres which were not the same as it came with do you mention that? If you need a new calliper and the garage puts a generic one on rather than a brand specific do you mention that?

Seems like if everyone was honest everyone with a car over 4 years old would have a host of modifications.