Remap Friendly Car Insurers?
Discussion
mickyh7 said:
No one has remembered at renewal time the Criminal Quotes that fly around aimed at honest people.
Lying to your insurers, knowing you're getting a lower premium than you should be getting, is actually criminal. Can you point me towards any law that says a business cannot quote you a high price, that can be bettered by a competitor? Seeing as you claim these are criminal quotes. milkround said:
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.
So you misleading your insurers and getting a lower premium than you know you should be charged if you were honest, is in your book justified by people not telling their insurers stuff that they know their insurers don't care about anyway?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.
I can stick a Porsche turbo engine in my VW Beetle and not say a word, because the bloke next door has a National Trust sticker in his window that he hasn't declared to insurers?
Okaaay......
TwigtheWonderkid said:
So you misleading your insurers and getting a lower premium than you know you should be charged if you were honest, is in your book justified by people not telling their insurers stuff that they know their insurers don't care about anyway?
I can stick a Porsche turbo engine in my VW Beetle and not say a word, because the bloke next door has a National Trust sticker in his window that he hasn't declared to insurers?
Okaaay......
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted? I can stick a Porsche turbo engine in my VW Beetle and not say a word, because the bloke next door has a National Trust sticker in his window that he hasn't declared to insurers?
Okaaay......
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
milkround said:
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted?
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Tweaking the software?! As in a remap?The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Yes, thats fraud if you dont declare it.
DoubleD said:
milkround said:
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted?
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Tweaking the software?! As in a remap?The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Yes, thats fraud if you dont declare it.
milkround said:
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.
Pagid make a lot of brakes for new cars. If they are direct replacement parts of equal quality, I wouldn't be notifying my insurance for that. 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.
I do see the argument about tyres though. The difference between a performance tyre and a budget tyre is huge. If they are the correct size and speed rating I wonder if an insurance company could still say they weren't fit for purpose?
Edited by Driver101 on Wednesday 29th April 10:47
milkround said:
DoubleD said:
milkround said:
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted?
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Tweaking the software?! As in a remap?The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Yes, thats fraud if you dont declare it.
DoubleD said:
milkround said:
DoubleD said:
milkround said:
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted?
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Tweaking the software?! As in a remap?The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
Yes, thats fraud if you dont declare it.
If Kwik-Fit put a new exhaust, rubbish tyres and cheap brakes on my car would I (in your opinion) be committing fraud if I didn't mention that?
It's all hypothetical as I do my own spannering. But I wondered where the ultra honest crew draw the line.
This link implies they would: https://www.moneysupermarket.com/car-insurance/mod...
So who is going to be calling up their insurance company and telling them about the different tyres, aftermarket brakes and other modifications?
Edited by milkround on Wednesday 29th April 10:47
milkround said:
TwigtheWonderkid said:
So you misleading your insurers and getting a lower premium than you know you should be charged if you were honest, is in your book justified by people not telling their insurers stuff that they know their insurers don't care about anyway?
I can stick a Porsche turbo engine in my VW Beetle and not say a word, because the bloke next door has a National Trust sticker in his window that he hasn't declared to insurers?
Okaaay......
How do you know your insurer wouldn't care if you had aftermarket brakes, and exhaust etc fitted? I can stick a Porsche turbo engine in my VW Beetle and not say a word, because the bloke next door has a National Trust sticker in his window that he hasn't declared to insurers?
Okaaay......
The engine would need to be changed with the DVLA so is not a fair comparison. The bloke is asking about tweaking the software - not changing the engine.
But you know that. You're just trying to find ways of justifying fraud.
milkround said:
I'm asking you. As you have defined fraud already. You have said a remap not declared is a fraud.
If Kwik-Fit put a new exhaust, rubbish tyres and cheap brakes on my car would I (in your opinion) be committing fraud if I didn't mention that?
It's all hypothetical as I do my own spannering. But I wondered where the ultra honest crew draw the line.
This link implies they would: https://www.moneysupermarket.com/car-insurance/mod...
So who is going to be calling up their insurance company and telling them about the different tyres, aftermarket brakes and other modifications?
Not declaring a remap is fraud, the question is clearly asked when you get a quote. If Kwik-Fit put a new exhaust, rubbish tyres and cheap brakes on my car would I (in your opinion) be committing fraud if I didn't mention that?
It's all hypothetical as I do my own spannering. But I wondered where the ultra honest crew draw the line.
This link implies they would: https://www.moneysupermarket.com/car-insurance/mod...
So who is going to be calling up their insurance company and telling them about the different tyres, aftermarket brakes and other modifications?
Edited by milkround on Wednesday 29th April 10:47
https://www.adrianflux.co.uk/blog/2018/07/how-the-...
"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."
Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.
"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."
Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.
milkround said:
https://www.adrianflux.co.uk/blog/2018/07/how-the-...
"Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."
Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.
If that makes you feel better about committing fraud, you knock yourself out. But you know a remap is different from a bumper sticker, and the person who doesn't disclose the sticker is not a fraudster. You can tell yourself they're the same though. "Modified vehicle: a definition
A modified vehicle is one that includes anything that has been altered from factory standard, or since it has left the factory. This can range from the small to the large, from a new engine to a small bumper sticker."
Why are those who want to condemn others not willing to accept the obvious? Perhaps those who are quickest to throw stones are themselves fraudsters not declaring their tyres and aftermarket brake pads.
I think basically, if it increases the performance of the vehicle markedly and is designed and marketed to do then its a modification, where replacing like with like parts, i.e. the brake pads or exhaust then I dont think they will worry about it.
Milkround kind of sounds like trying to justify non disclosure to a degree but does make an interesting point,
One really interesting aspect is stuff that lowers the performance of a car is the fitment of budget tyres but its never an issue at Mot ,insurance renewal or claim time, as long as they arent below the 1.6 mm.
So many cars I see fitted with cheapo tyres, even some quite high performance stuff, imagine the difference between a car on newish Michelins versus the same car on Ditchfinders each with 1.7 mm on.
I had a MK1 TT and it came on some Firestones on the front and some "Triangles" on the rear, it will have come with perhaps Bridgestones or something from new, so the Firestones are broadly in the same ball park. The Triangle ones on the back made it feel like the car was broken, I am not that discerning but even at low speeds it felt weird, int he wet it was downright scary, thought it was the car being out of alignment or a suspension component broken, changed the rears to match the front and it was fine again.
I think these cheap, s
t tyres are a much bigger contributor to claims than some air filter kit, exhaust or even remaps.
So many get them fitted as a distress purchase "cheapest you have please", even on fairly new, expensive cars, make me wonder how many claims would have been a near miss or non event if decent tyres had been fitted.
Some are ok, a lot really arent, be interesting to see the incidence of claims versus tyre brands but I guess they dont record that, I know folk who have had more than their fair share of incidents, generally down to old cars with no stability control and cheapo tyres.
Milkround kind of sounds like trying to justify non disclosure to a degree but does make an interesting point,
One really interesting aspect is stuff that lowers the performance of a car is the fitment of budget tyres but its never an issue at Mot ,insurance renewal or claim time, as long as they arent below the 1.6 mm.
So many cars I see fitted with cheapo tyres, even some quite high performance stuff, imagine the difference between a car on newish Michelins versus the same car on Ditchfinders each with 1.7 mm on.
I had a MK1 TT and it came on some Firestones on the front and some "Triangles" on the rear, it will have come with perhaps Bridgestones or something from new, so the Firestones are broadly in the same ball park. The Triangle ones on the back made it feel like the car was broken, I am not that discerning but even at low speeds it felt weird, int he wet it was downright scary, thought it was the car being out of alignment or a suspension component broken, changed the rears to match the front and it was fine again.
I think these cheap, s
t tyres are a much bigger contributor to claims than some air filter kit, exhaust or even remaps.So many get them fitted as a distress purchase "cheapest you have please", even on fairly new, expensive cars, make me wonder how many claims would have been a near miss or non event if decent tyres had been fitted.
Some are ok, a lot really arent, be interesting to see the incidence of claims versus tyre brands but I guess they dont record that, I know folk who have had more than their fair share of incidents, generally down to old cars with no stability control and cheapo tyres.
mickyh7 said:
There's a huge difference in not declaring something that doesn't even occur to you as being a mod, like fitting different brake pads or exhaust, for reasons of availability/economy and with no boost in performance , to deliberately not declaring something that is specifically fitted to enhance performance, because you know or think it's likely it will result in a higher premium.
But you know that. You're just trying to find ways of justifying fraud.
Twig.
Some people remap for economic reasons?
The slower, careful drivers.
Where's the performance link there?
There is a big mapping business in HGV's for that same reason.
Do you really expect folk on here to believe that everytime you Fart, you ring up Sheila to tell her to charge an admin fee because you've made your Tyres Blacker.
Making your car more 'Stealable' (Perhaps)?
300 posts a month for 9 years!
Maybe you've used all the sensible words up?
You are sounding stupid, just to get a post in.
You are allowed to stop.
I love the way you have a go at the amount of time someone spends on a forum, then sit and calculate how long he's been here and his post count. It didn't help your point either. But you know that. You're just trying to find ways of justifying fraud.
Twig.
Some people remap for economic reasons?
The slower, careful drivers.
Where's the performance link there?
There is a big mapping business in HGV's for that same reason.
Do you really expect folk on here to believe that everytime you Fart, you ring up Sheila to tell her to charge an admin fee because you've made your Tyres Blacker.
Making your car more 'Stealable' (Perhaps)?
300 posts a month for 9 years!
Maybe you've used all the sensible words up?
You are sounding stupid, just to get a post in.
You are allowed to stop.
Spend a little longer on the forum and you could learn how to use the quote button.
Driver101 said:
I love the way you have a go at the amount of time someone spends on a forum, then sit and calculate how long he's been here and his post count. It didn't help your point either.
Spend a little longer on the forum and you could learn how to use the quote button.
So from the Quote Button.Spend a little longer on the forum and you could learn how to use the quote button.
I realised that as I hit the Button.
Thats why I quickly deleted my post.
I've decided I really don't want to be involved in all of the s
te on this post, its not worth it.If your not licking backsides your trying to kick them.
I'll leave the last words to others.
(Until my post count goes up)
mickyh7 said:
Driver101 said:
I love the way you have a go at the amount of time someone spends on a forum, then sit and calculate how long he's been here and his post count. It didn't help your point either.
Spend a little longer on the forum and you could learn how to use the quote button.
So from the Quote Button.Spend a little longer on the forum and you could learn how to use the quote button.
I realised that as I hit the Button.
Thats why I quickly deleted my post.
I've decided I really don't want to be involved in all of the s
te on this post, its not worth it.If your not licking backsides your trying to kick them.
I'll leave the last words to others.
(Until my post count goes up)
te" if your posts were a bit better. You're creating an argument and taking it off topic with trying to be personally insulting. You're not coming across well.
I sleep better knowing that I’ve been 100% honest in telling my insurance company exactly what’s been done to my vehicles.
My Transporter has virtually everything modified, interior, brakes, wheels, drivetrain, suspension, body panels and shell.
I could save maybe 35% if I didn’t declare any of it, roughly £250ish, on a van that would cost me in the region of £80k to replace if I stuffed it into a ditch. Who would even contemplate that kind of dishonest penny pinching?!
My Transporter has virtually everything modified, interior, brakes, wheels, drivetrain, suspension, body panels and shell.
I could save maybe 35% if I didn’t declare any of it, roughly £250ish, on a van that would cost me in the region of £80k to replace if I stuffed it into a ditch. Who would even contemplate that kind of dishonest penny pinching?!
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