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upgrades and insurance

Was thinking about this the other day then just read a post from Alfaoxon that has prompted this thread.

Alfaoxon stated that his car went in for some work and the garage found that his car had been remapped by the previous owner, now as Alfaoxon didn't know this then he obviously couldn't tell the insurance company.

So two questions here, first what would happen if his car was to need insurance work, would they refuse to pay out if the remapped was noticed ?
If they would pay out then what's stopping anyone having a remap and saying they knew nothing about it ?

My Spider is waiting for new straight through pipes to be made up and fitted, now I 'should' be telling the insurance company but when I sell it on the new owner may well not know a change has been made, unless you know then you cant declare it.

Is this a loop hole for us the driver or a loop hole for the insurance companies ?

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Originally Posted by SpiderSaint View Post
Was thinking about this the other day then just read a post from Alfaoxon that has prompted this thread.

Alfaoxon stated that his car went in for some work and the garage found that his car had been remapped by the previous owner, now as Alfaoxon didn't know this then he obviously couldn't tell the insurance company.

So two questions here, first what would happen if his car was to need insurance work, would they refuse to pay out if the remapped was noticed ?
If they would pay out then what's stopping anyone having a remap and saying they knew nothing about it ?

My Spider is waiting for new straight through pipes to be made up and fitted, now I 'should' be telling the insurance company but when I sell it on the new owner may well not know a change has been made, unless you know then you cant declare it.

Is this a loop hole for us the driver or a loop hole for the insurance companies ?
My understanding is that as far as insurance companies and the law are concerned is that ignorance is not excuse. You would need to prove that you didn't know, rather than prove that you did if that makes sense. so a remap you might get away with, but something obvious like braided lines and lowering kit, and body kit would be argued as being obvious and therefore need to be declared.

Personally, I'm currently having braided lines and performance pads fitted, and i've had a remap....I declared all that and it cost me about 71 extra premium for the year including 25 admin fee.

If anybody is going to come off worse, you can guarantee it won't be the insurance company....after all it's them you need to convince to pay out - they are holding the cards so to speak
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Hi,
I would strongly recommend declaring all changes to your insurance company and to any future owner to avoid any complications with possible voided policies.
Regards,
Dan.
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First of all I need to declare an interest in this as I manage the motor claims dept for a large insurer. Larry's comment that ignorance is no defense is pretty much on the mark, however insurers views will differ from company to company. Most insurers will apply a reasonable common sense approach if they have good grounds to believe the driver did not know about a remap. In the event of a claim that the remap may have played a part ie an accident, a reasonable insurer is likely to ask the insured to pay the additional premium they would have paid, had they known about and declared the remap. This is where it gets difficult should the insurer not be inclined to pay, as they could reasonably argue that the increase in performance delivered by a remap is so great that you couldn't fail to notice it.

In short I'd always recommend you to declare any mods as its the only way to ensure you won't have hassle should you need to claim. Its also best to check with your insurer whether they want to know about factory fitted options as some want this information as well.

Hope this helps
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I bet if you were to downgrade your car. such as putting a modification back to standard the insurance company wouldn't give you money back.

I am just about to return my car to standard with regard to suspension springs, but I have decided to do this just as it is coming up for renewal.

Just because more companies will cover standard cars I stand to save around 80 per year.
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