Cheap re-map, insurance nightmare?

Cheap re-map, insurance nightmare?

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Discussion

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
Ok this MUST have been discussed before but:

2.0tfsi with DSG - I've seen prices as little as £299 for supposedly +70bhp increase.

1. Is this 'too' cheap as in a proper job should cost more?

2. The balance of the car is through Audi finance and I'd probably want to hand the car back at the end of agreement (in 18 months time) - would this cause problems? Car would be main dealer serviced - will be out of warranty in 3 months as I know if found it would invalidate a warranty

3. I'd want to be legit - does anyone have an idea of insurance increase for a 26 year old that wants to modify a car like this?

4. Anyone done it and can give me their feedback?

It's a mk2 TT but I'm guessing anything with the 2.0tfsi will be done the same way. Cheers!

DannyVTS

7,543 posts

169 months

Monday 21st February 2011
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I'll be the first to say that I wouldn't insure a remap... but it's your call.

Mastodon2

13,826 posts

166 months

Monday 21st February 2011
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If the car has to go back to a dealership as part of an agreement, I'm sure Audi wouldn't be too happy to hear you've been fiddling with the ECU!

AlpineWhite

2,147 posts

196 months

Monday 21st February 2011
quotequote all
DannyVTS said:
I'll be the first to say that I wouldn't insure a remap... but it's your call.
Why not?

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
DannyVTS said:
I'll be the first to say that I wouldn't insure a remap... but it's your call.
Yeah I know and there's plenty of talk about them being virtually impossible to trace but knowing my luck if I get hit by an idiot sliding on snow and an over eager insurance jobsworth decides to go over everything I'll be the one on here in a years time posting about why you should declare re-maps frown

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
Mastodon2 said:
If the car has to go back to a dealership as part of an agreement, I'm sure Audi wouldn't be too happy to hear you've been fiddling with the ECU!
I'm not so bothered by that - I think most tuning places offer a full 'reset' so if (I don't have to) I return the car I'd get it returned to stock.

I'm more bothered if it would be found during the routine servicing

CampDavid

9,145 posts

199 months

Monday 21st February 2011
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AlpineWhite said:
DannyVTS said:
I'll be the first to say that I wouldn't insure a remap... but it's your call.
Why not?
I'd imagine they don't like them for a few reasons.

1. It tells them you care predominantly about going fast

2. Greater chance of you causing a large amount of damage, causing the car to perhaps "disappear" and meaning a claim for a new one.

3. You're effectively saying that 200bhp isn't enough, I want to go faster, which says you're using all 200bhp a fair bit of the time. This says I'm going to drive quickly.

Not saying this is right or wrong, just that some insurers will see it that way. I believe that Admiral won't touch remapped cars at all while others will only put down a mild increase.

Personally I wouldn't bother if you're handing it back. The reason for buying a new car on a lease is to avoid hassle, not create it

georgejoshington

397 posts

163 months

Monday 21st February 2011
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1. You don't always get what you pay for. R-Tech are extremely well respected for VAG remaps and last time I checked they were on the lower end of the pricing scale, probably due to being a fairly new/small company compared to Revo/Bluefin etc etc.

2. You could put the standard map on it.

3. Depends on your insurance company. When I was insured with Direct Crime and I wanted to map my golf 1.8t it was going to be something like a £500 increase.

4. Can't answer this one I'm afraid, my car was stolen before I ever got the chance.

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
CampDavid said:
I'd imagine they don't like them for a few reasons.

1. It tells them you care predominantly about going fast

2. Greater chance of you causing a large amount of damage, causing the car to perhaps "disappear" and meaning a claim for a new one.

3. You're effectively saying that 200bhp isn't enough, I want to go faster, which says you're using all 200bhp a fair bit of the time. This says I'm going to drive quickly.

Not saying this is right or wrong, just that some insurers will see it that way. I believe that Admiral won't touch remapped cars at all while others will only put down a mild increase.

Personally I wouldn't bother if you're handing it back. The reason for buying a new car on a lease is to avoid hassle, not create it
Ahhhh but I'm wanting to do it for the apparent 10% fuel savings wink

Car not leased btw

And if that's true about admiral then that could be the end of the idea frown

carmonk

7,910 posts

188 months

Monday 21st February 2011
quotequote all
70 BHP. Is it a magic remap? I'd be amazed if you got more than 40. That aside, if you're increasing your power and torque by 20% then it's going to be a bit tricky to hide from whoever's looking, so you would need to insure it. That will be a fair whack, I'd imagine. For me a similar increase in power takes me from £387 to £580 (and that's changing insurers). And you can't modify a car then hand it back to the dealers! smile

C2james

4,685 posts

166 months

Monday 21st February 2011
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personally im pretty sure you wont get 70hp from a remap, or at least not for £300.

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
georgejoshington said:
4. Can't answer this one I'm afraid, my car was stolen before I ever got the chance.
That might explain the insurance increases with remaps? wink

DannyVTS

7,543 posts

169 months

Monday 21st February 2011
quotequote all
AlpineWhite said:
Why not?
How are they going to know? Insurance companies are milking us for enough cash.

I doubt their evaluators will come to see the car with a Vagcom device if you crash and read the firmware etc..

CampDavid

9,145 posts

199 months

Monday 21st February 2011
quotequote all
PKLD said:
Ahhhh but I'm wanting to do it for the apparent 10% fuel savings wink

Car not leased btw

And if that's true about admiral then that could be the end of the idea frown
If it's admiral then I would firstly run through a test quote for a car and see if it comes up on there mods list. Or call them, they're actually rather helpful. I'd phrase it in the "I have heard about remapping engines and the economy benefits, where do admiral stand on this policy?"

They will, of course, note it on the system if you ask and will naturally investigate if you manage to wipe out a school bus worth of children while doing the double ton so it's probably not wise to map it and not tell them once you've checked (well, it's not wise anyway, but it's doubly retarded after giving them a heads up)

Anyway, give them a call, tell them CampDavid sent you. They'll then assume you're a mental case and do whatever you ask them to

carmonk

7,910 posts

188 months

Monday 21st February 2011
quotequote all
DannyVTS said:
AlpineWhite said:
Why not?
How are they going to know? Insurance companies are milking us for enough cash.

I doubt their evaluators will come to see the car with a Vagcom device if you crash and read the firmware etc..
If you're unlucky enough to be involved in a crash where someone is seriously injured or died it's quite possible they will check.

ZOLLAR

19,908 posts

174 months

Monday 21st February 2011
quotequote all
I'm slightly slow when it comes to remaps,blueprint,chips etc.
When you say remap OP what would this involve is it simply "chipping" the car or something more involved i.e. Changing pistons, increasing cubic capcity?.

CampDavid

9,145 posts

199 months

Monday 21st February 2011
quotequote all
DannyVTS said:
How are they going to know? Insurance companies are milking us for enough cash.

I doubt their evaluators will come to see the car with a Vagcom device if you crash and read the firmware etc..
Depends how well you crash it. For a couple of bumpers they probably won't bother. You can bet that they'll go through it with a fine toothed comb if they're looking at a six or seven figure pay out

PKLD

Original Poster:

1,162 posts

242 months

Monday 21st February 2011
quotequote all
C2james said:
personally im pretty sure you wont get 70hp from a remap, or at least not for £300.
I am suspicious of this hence question 1 but I'm merely going on what tuning companies are stating online - one place even has it down from £345 to £199 - surely that can't be right?!

All the sites claim minimum 50hp gains. Seems too good to be true at the moment. Plus think of the fuel I'll be saving wink


Regiment

2,799 posts

160 months

Monday 21st February 2011
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Got a quote through the Meerkats for my 250 cup but with modded exhaust and remap, added £30 on top of regular price.

DannyVTS

7,543 posts

169 months

Monday 21st February 2011
quotequote all
carmonk said:
If you're unlucky enough to be involved in a crash where someone is seriously injured or died it's quite possible they will check.
But how were you supposed to know it had been remapped before you bought it?

idea