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(Post Link) post #1 of 33 Old 16-04-08 Thread Starter
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remaps and insurance

For those of you that have had a remap i have a couple of questions; did you inform your insurers? And if so what was the damage financially, was your premium bumped up a lot? I am thinking of going down the remap route but am thinking about the insurance question first.
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Re: remaps and insurance

I didn't bother for the two years I had my JTD.
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Re: remaps and insurance

Moved to Insurance section
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Re: remaps and insurance

I told the RAC, and they wanted to bump up the premium by a grand!
I moved to Adrian Flux, and it was only £150 more per year. When I had the original map put back in for my MOT I left it as is, and got £100 back from AF.
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Re: remaps and insurance

I phoned up Greenlight yesterday about my insurance(specialise in modified cars) who I currently have my policy with. I asked how much my policy would go up by if I had an Angel re-map and CDA filter fitted. They just wanted to know what the bhp would go up to, which I guess at 230bhp(a bit over maybe I know). They said............ £25 which is just an admin fee , it wouldn't increase the insurance premium. My insurance runs out at the end of August, so I've got a few months left - Angel here I come!!

Cheers,

Mark
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Re: remaps and insurance

What remap?
 
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Re: remaps and insurance

Usually if a BHP increase is gained then the insurers will want to make a charge, but it is very dependant on who your insurers are as some are a lot better than others.

On the whole a bhp increase by 5-10 warrents a rate increase of about 10%.

I'm speaking from experience, but please bear in mind ALL insurers are different.
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Re: remaps and insurance

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Originally Posted by Graham P View Post
What remap?


Re? What? Who? Me? No, must have bee the previous owner.

I had to have the turbo pressure adjusted to stop an engine overboost trip-out so the last date stamp on the software is due to that.
 
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Re: remaps and insurance

Why would you need to disclose a performance mod that can in no way be detected?

Personally, I wouldn't bother.
 
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Why would you need to disclose a performance mod that can in no way be detected?

Personally, I wouldn't bother.

Spot on
 
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Re: remaps and insurance

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Spot on
+1....Although it is detectable... but highly unlikely to be picked up on.
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Re: remaps and insurance

It can be detected easily by reading the datestamp from the last time the software in the ECU was altered. If the ECU was re-written a good while after the car was bought it will raise suspicions.

To find the ECU firmware was re-written to increase power and not to solve an electrical gremlin would take a lot of work though.
 
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Re: remaps and insurance

Hi MarkJTD,

How was your Ange Remap on your 156? Has it affected fuel economy much (town / motorway)?
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Re: remaps and insurance

I have chipped my Fiat and my insuarnce company doesnt know. however they do know about the boost gauge and mechanical boost controller.
Unless they removed the chip and analised it they would never know, it looks the same as the original one.

Unless the insurer analised the ECU they wouldn't detect a remap either.

Do they analise chips or ECUs? I doubt it.

Anyway, what if the car was sold to you with the remap and you didn't know about it.
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Re: remaps and insurance

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Originally Posted by symonh2000 View Post
Anyway, what if the car was sold to you with the remap and you didn't know about it.
I think your insurance would still be invalid if they found out. Its not the insurance companies fault you don't know about it, so they would probably argue that they shouldn't have to pay.
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Anyway, what if the car was sold to you with the remap and you didn't know about it.
Hexactly! Wasn't me, must have been the previous owner. Never owned an Alfa before and I thought all the diesels perform like this
 
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Re: remaps and insurance

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I think your insurance would still be invalid if they found out. Its not the insurance companies fault you don't know about it, so they would probably argue that they shouldn't have to pay.
If it went to court and you the remap wasn't a direct cause of the accident (ie speeding) then I'm sure it would go in your favour.
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Re: remaps and insurance

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If it went to court and you the remap wasn't a direct cause of the accident (ie speeding) then I'm sure it would go in your favour.
But if that applies to remaps then does that apply to all mods? I don't think that would be the case really.. Isn't it a bit like having your cake and eating it? If you state the car is standard in the contract, and it turns out it isn't surely the contract is then void regardless of what caused the accident?

I don't know, I'm not a lawyer or insurance salesman, I'm just trying to think it through..
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Re: remaps and insurance

I suspect if you have made a false statement, the insurance would be cancelled and it would be a nightmare ie very expensive to get insured again
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Re: remaps and insurance

I guess with the declaring the remap or not is down to your conscience and whether you are willing to say you have not when when you have. It's an interesting point about buying a previously modded car where you are unaware if its has been modded or not. How would you know unless you get the settings checked? Thats just unreasonable.
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Re: remaps and insurance

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Originally Posted by Paul J View Post
I told the RAC, and they wanted to bump up the premium by a grand!
I moved to Adrian Flux, and it was only £150 more per year. When I had the original map put back in for my MOT I left it as is, and got £100 back from AF.
Can anyone tell me why would a map affect an MOT??
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Re: remaps and insurance

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Originally Posted by Mr Dunamis View Post
I guess with the declaring the remap or not is down to your conscience and whether you are willing to say you have not when when you have. It's an interesting point about buying a previously modded car where you are unaware if its has been modded or not. How would you know unless you get the settings checked? Thats just unreasonable.
Exactly. How are you supposed to know your car has already been remapped. It is unreasonable...


Wink wink
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Re: remaps and insurance

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Can anyone tell me why would a map affect an MOT??
It wouldn't unless it was overfuelling the car and causing it to fail the smoke test. But even the smokiest car on the road doesn't fail this because they do the smoke test on idle, where it takes hardly any fuel to accelerate the engine to the redline
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Re: remaps and insurance

Thanks Pud, wasn't too sure if it was a stupid question or not, wasn't expecting it to affect an MOT, just wondering what Paul J was refering to when he wrote that part of the thread.
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Re: remaps and insurance

IIRC, if it is done correctly and the "check sum" is set right / aligned, it is undetectable
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