Cost of insurance following remap

TonyE280

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Thininking of buying a one of these boxes to boost power on the car to the level of an E320cdi (about another 40 bhp). Saw one for £80, but am thinking insurance premium could rocket. Anyone fitted such a device and what did your premium rise by.

Anyone out there with no points (well before the mod was fitted anyway!)and middle aged so the impact can be judged?

Many thanks
 

Simon_M

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I had the Brabus Kit fitted to my CLS, Admiral initially refused to insure me as the increase in power was over 20%, then they hammered me £110 on the final two months of my premium. The following years it made no difference. Either they forgot or just pulled my trousers down as I was midway through my premium year.

Definitely get quotes before you fit it.


S
 

flango

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Thininking of buying a one of these boxes to boost power on the car to the level of an E320cdi (about another 40 bhp). Saw one for £80, but am thinking insurance premium could rocket. Anyone fitted such a device and what did your premium rise by.

Anyone out there with no points (well before the mod was fitted anyway!)and middle aged so the impact can be judged?

Many thanks

I run boxes and remaps, classed as middle aged I guess (48) the trick with the insurance company is tell them the box or remap has been added for reasons of economy not performance and your insurance probably won't go up. I had one issue when one was remapped as the then current insurance company would not insure me (Check first before remapping) so I waited until the policy expired found a company who would insure (which was about £13 year more expenseive, but not down to remap) then had it remapped.

There's a good example on the BMW forum of one company in the UK that markets these boxes one called ECO and is coloured green, the other POWER and is coloured red. Both boxes have the exact internals and create the same performance gains yet the insurance company loaded premiums for the red box but did not load for the green one, perception is everything these days it would appear.
 
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TonyE280

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Thanks for the advice. Will time my remap for around renewal in a couple of months. Will switch insurer then if they want to load me too heavily.:devil:
 

markjay

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I was considering a re-map that supposedly increases the BHP from 143 to 170. All Aviva wanted to know was how much BHP will be added (as another forum member here said they would), then quoted £28.00 to cover the 2 months I had left on my policy. So presumably it would have added £168.00 to my ~£500 annual policy. In the end, I did not get the re-map done. So it would seem that in the case of Aviva they are only interested in the BHP increase - I am over 50, yet the case for economy etc did not come into it. Hope this helps.
 

A210AMG

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Hello

For me I was insured with e-sure and with a D6 box fitted it worked out cheaper with adrian flux. Box and alloys declared. I also get 90 days full green card cover topped up to fully comp. Protected no claims

So try them. I'm under 40 with the D6 E320 S211 off road, no points etc. Think its around £430.
 
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TonyE280

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I was considering a re-map that supposedly increases the BHP from 143 to 170. All Aviva wanted to know was how much BHP will be added (as another forum member here said they would), then quoted £28.00 to cover the 2 months I had left on my policy. So presumably it would have added £168.00 to my ~£500 annual policy. In the end, I did not get the re-map done. So it would seem that in the case of Aviva they are only interested in the BHP increase - I am over 50, yet the case for economy etc did not come into it. Hope this helps.

If it's a 30% load then I wont be bothering. Seems excessive. Motor insurance companies seem to be making us pay through the nose these days.
 

markjay

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If it's a 30% load then I wont be bothering. Seems excessive. Motor insurance companies seem to be making us pay through the nose these days.

My car is C180 Kompressor and as such is probably not very responsive to ECU remapping, unlike Turbo (diesel or petrol) engines. So I did not really expect or believe the promised 170k from Remap Science... still, I would have done that in the hope of getting a more responsive engine and perhaps a even a slight increase in BHP. But while I did not really mind if I was not actually going to get the promised 27BHP increase, I did mind paying the additional premium for the power increase I (probably) would not have gotten in the first place...
 

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There's a good example on the BMW forum of one company in the UK that markets these boxes one called ECO and is coloured green, the other POWER and is coloured red. Both boxes have the exact internals and create the same performance gains yet the insurance company loaded premiums for the red box but did not load for the green one, perception is everything these days it would appear.
Presumably the assumption is (or statistics prove) that drivers who choose a power-boost remap are a higher risk. I.e. the actual slight power increase (or not) itself is incidental.
 

Primo

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There's a good example on the BMW forum of one company in the UK that markets these boxes one called ECO and is coloured green, the other POWER and is coloured red. Both boxes have the exact internals and create the same performance gains yet the insurance company loaded premiums for the red box but did not load for the green one, perception is everything these days it would appear.

In the late seventies Ford brought out a special model Escort that was basically a Sport and called it a 'Harrier'. Insurers upped a whole car group and on a scale of 1 - 7 that was a lot of cash. You just know that if it had been called a 'Daffodil' they would have down-grouped it.
 

John

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Presumably the assumption is (or statistics prove) that drivers who choose a power-boost remap are a higher risk. I.e. the actual slight power increase (or not) itself is incidental.

I think this is the issue too.

Probably if you had bought an E320CDI or E350CDI in the first place, the insurnace would have been about the same.

They are more concerned about the risk you pose - which of course if you are higher risk, it doesn't really matter what you drive, you are a higher risk.
 

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