Remap and insurance.

[ToeKnee]

I'm assuming that all the members on here who have had their cars mapped for performance have informed their insurers, my question is, did it raise your premium by much and if so can I ask how much please?

 

[E53AMG]

I'm assuming that all the members on here who have had their cars mapped for performance have informed their insurers, my question is, did it raise your premium by much and if so can I ask how much please?

Interested in the responses (if you get any);-).

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[SmartAmg]

Interested in the responses (if you get any);-).

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What! All Merc drivers are law abiding citizens, aren't they?

 

[ToeKnee]

Interested in the responses (if you get any);-).

Sent from my SM-G955F using Tapatalk

I've had prices from various places for a remap, just deciding now on insurance implications.

 

[whitenemesis]

Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead

 

[KennyN]

When I had the MPPSK fitted to the BM I informed my insurance (through Admiral) and it only went up by around £40 , which included the "admin" charge for the ten seconds of work the customer advisor had to do.

The kit included a cat back valved exhaust system and a dealer ECU reflash.

They have different power % increase "bands" which is what they base the price increase on.

K

 

[Smart320]

Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead

Direct Line will cancel your insurance if you have any sort of modification, even wheel spacers let alone a remap. They did it to me on my A210, ended up moving all 3 cars to Adrian Flux. Having sold it be back to a mainstream insurer ( not an Gibralter based underwriting company ) early next year when renewal for the other two cars is due

 

[markjay]

When I was considering a remap for my W203 (ultimatelyI didn'tgi ahead with this), I asked Aviva and they said that the premium increase will be based on the increase in BHP. If there's no increase in BHP, the premium will remain the same.

The issue was that the unrealistic BHP increase claims made by the remappers for the M271 engine were clearly wishful thinking, so I would have paid a significant premium increase for non-existent power increase...

 

[daveenty]

When I had my W212 E63 it was insured with Privilege who didn't charge anything, not even an administration fee. They just made a note of it on the policy.

Unfortunately they will only cover them up to "X amount" (I think it's a 20% increase in power) so after that I had to change insurers. I went with A Plan who were also fine and didn't charge for a lot of the mods which were done to the car, including bigger turbos, exhaust and other bits.

 

[Deesidecars7]

how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol

 

[moodi]

Aviva are fairly good with modifications, I have found. But best to just shop around - most comparison websites let you list modifications nowadays to get a rough idea of the cheapest brokers you can then call to confirm the price (as well as the nature of the mod coverage - like for like, value not covered, etc.)

 

[DSM10000]

how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol

If you have an significant accident then checking the ECU for changes etc is quite common, if found and not declared then the insurance for you will be invalid although your third party cover may still exist, if it does not then you could be personally liable for all claims.

 

[whitenemesis]

If you have an significant accident then checking the ECU for changes etc is quite common, if found and not declared then the insurance for you will be invalid although your third party cover may still exist, if it does not then you could be personally liable for all claims.

I believe the 3rd party cover is always honoured by the insurer (required by law) but they would likely try and get the money back from the policy holder..
Also don't believe what some remap companies try and tell you, that their remap will be invisible, the remap will always be discoverable.

 

[John]

I disclosed the remap and all the other mods on my E55 to Admiral who just made a note on the policy and charged my nothing more.

I personally don't feel it's worth the risk not to declare stuff. Quite often it makes no difference unless you are in a high risk category and you never have to think about it again.

Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead

Direct Line will cancel your insurance if you have any sort of modification, even wheel spacers let alone a remap. They did it to me on my A210, ended up moving all 3 cars to Adrian Flux. Having sold it be back to a mainstream insurer ( not an Gibralter based underwriting company ) early next year when renewal for the other two cars is due

"Modified car cover... can your insurance do that? We can't."

 

[Deesidecars7]

never heard of insurance company's checking ecu for remaps, and owning a taxi company we go through a fair few cars that are written off or severely damaged each year, i wonder where you would stand if you bought a second hand car that had a re map and you wernt told about it

 

[BTB 500]

never heard of insurance company's checking ecu for remaps

My ex-FIL was the chief motor mechanic for a major UK insurer and he told me that if an engineer is sent out to inspect a vehicle in relation to a claim then the ECU is always checked - this is standard industry practice. It's potentially an easy get-out for the insurance company if they detect an undeclared remap.

 

[AMGeed]

The E63 I almost bought back in August was already mapped to 740bhp, and I got quotes at the time for both stock and modified cars. Declaring a map and exhaust changes put around £100 on the policy I was about to get with LV.
I'm about to find out how much extra Axa are going to charge me to remap a stock E63.
I wouldn't dream of not declaring it. Why risk a refusal to pay out should the worst happen?

 

[DSM10000]

never heard of insurance company's checking ecu for remaps, and owning a taxi company we go through a fair few cars that are written off or severely damaged each year, i wonder where you would stand if you bought a second hand car that had a re map and you wernt told about it

Taxis are hardly a target market for tuning though and you have specialist insurance policies.

If you owned a car that had been re-mapped and were not aware of it the onus of proof may be on you but the date a re-map was written to the ECU would usually would traceable by someone experienced in mapping.

 

[tbourner]

how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol

Just don't crash.

 

[ToeKnee]

Just don't crash.

In that case, why have insurance at all?