How much does a remap have on insurance premium?
Discussion
Weekendrebuild said:
Why would you tell the insurance company ? There never going to check a car for a remap?
Don't be a moron, always tell your insurance about a remap. Really not worth the risk of being found out later and being uninsured retrospectively.Made little difference to me, I paid an extra 75ish for the year on my old Leon FR.
Mike335i said:
Weekendrebuild said:
Why would you tell the insurance company ? There never going to check a car for a remap?
Don't be a moron, always tell your insurance about a remap. Really not worth the risk of being found out later and being uninsured retrospectively.Made little difference to me, I paid an extra 75ish for the year on my old Leon FR.
What a moronic thing to say WR - there really is some s
t advice given on this site Pistonheader101 said:
Weekendrebuild said:
Why would you tell the insurance company ? There never going to check a car for a remap?
True. Only instance your ecu would be checked is if you caused a death by dangerous driving, and it wouldn’t be the insurance company checking
The people who are saying they will never check, here's some advice. If your car is modded with air filter, sports cat, larger down pipe, exhaust system, intercooler etc, there's a good chance it will be checked as an OE ECU map won't be able to support those mods and the car will run like a pig.
Weekendrebuild said:
Why would you tell the insurance company ? There never going to check a car for a remap?
I'm with you on this one, but this place is absolutey full to the brim with the righteous & "what if's". You are on to a loser even suggesting that here. There are plenty of people on this forum that tell their insurers when they change to different alloy wheels (or god forbid, a different tyre size).RogerDodger said:
I'm with you on this one, but this place is absolutey full to the brim with the righteous & "what if's". You are on to a loser even suggesting that here. There are plenty of people on this forum that tell their insurers when they change to different alloy wheels (or god forbid, a different tyre size).
But the whole point of insurance is to guard against 'what's ifs' - you pay a relatively small amount to get somebody else to shoulder liabilities that, while unlikely to arise, could be financially catastrophic if you had to meet them yourself. So to risk having to take on those potentially huge liabilities yourself because you don't want to pay an extra £50 in premium for a remap does seem a bit daft to me. It's your funeral though so crack on as you see fit.I added a diesel remap that went from 220 to about 280 the increase was something stupid like less than £2 plus an admin fee with more than 6 months left on the policy.
When I got to the remapping place it turned out it was already mapped.
It was quite smokey when I got it so I suspected a remap or tuning box but it had been through a diagnostic at a bosh specialist garage, and at a Mercedes specialist, and been through a Mercedes dealer service none were able to detect it. It was only when they came to custom map it was detected.
The tuner said it was pretty common he said he sees it on 10-20% of diesels he looks at.
The insurance was originally quite high compared to my other car which had similar power to what it should have had so I suspect insurers to a certain extent are pricing in the risk of it already having a remap, so when you do declare it doesn't really go up
When I got to the remapping place it turned out it was already mapped.
It was quite smokey when I got it so I suspected a remap or tuning box but it had been through a diagnostic at a bosh specialist garage, and at a Mercedes specialist, and been through a Mercedes dealer service none were able to detect it. It was only when they came to custom map it was detected.
The tuner said it was pretty common he said he sees it on 10-20% of diesels he looks at.
The insurance was originally quite high compared to my other car which had similar power to what it should have had so I suspect insurers to a certain extent are pricing in the risk of it already having a remap, so when you do declare it doesn't really go up
They absolutely can and do look for remaps in expensive claims, so it really isn't worth the risk to lie.
Just like dealers' service departments can also tell, should they care to look (many do now as a matter of policy, prior to starting any warranty work).
The whole 'nobody will look, nobody can tell' approach to remaps has always been wrong and probably always will be.
Just like dealers' service departments can also tell, should they care to look (many do now as a matter of policy, prior to starting any warranty work).
The whole 'nobody will look, nobody can tell' approach to remaps has always been wrong and probably always will be.
Should you tell the insurance, yes. Would they find out, unlikely, would if be clear cut if they did... Not sure.
For example I once part ex'd a remapped BMW, I told the dealer, then it went to auction and was adverted by a smaller dealer with no mention. Probably because the message got lost.
I'd imagine the buyer would have plausible deniability in the event of an issue.
I also had a mate take his for a remap only to be told it already had one, he had owned the car for 12 months and genuinely had no idea.
There was also a thread last week about whether it was possible to tell, the answer seems to be that it varies by car and even then unless it recorded the date it would be difficult to pin point.
So yes, you should but as with all things in life people assess the risk and make their own choices.
For example I once part ex'd a remapped BMW, I told the dealer, then it went to auction and was adverted by a smaller dealer with no mention. Probably because the message got lost.
I'd imagine the buyer would have plausible deniability in the event of an issue.
I also had a mate take his for a remap only to be told it already had one, he had owned the car for 12 months and genuinely had no idea.
There was also a thread last week about whether it was possible to tell, the answer seems to be that it varies by car and even then unless it recorded the date it would be difficult to pin point.
So yes, you should but as with all things in life people assess the risk and make their own choices.
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