• The Forums are now open to new registrations, adverts are also being de-tuned.

Remap and insurance.

ToeKnee

ToeKnee

MB Enthusiast
SUPPORTER
Joined
Aug 14, 2016
Messages
4,911
Location
leicestershire
Car
R230 SL500 in teal blue, R231 SL500 in black. (Vauxhall insignia diesel now sold) Black Ford Mondeo
<div class="bbWrapper">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?</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 123737" data-quote="ToeKnee" data-source="post: 2817758" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817758" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817758">ToeKnee said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> 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? </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>Interested in the responses (if you get any);-).<br /> <br /> Sent from my SM-G955F using Tapatalk</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 135134" data-quote="SL500AMG" data-source="post: 2817766" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817766" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817766">SL500AMG said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Interested in the responses (if you get any);-).<br /> <br /> Sent from my SM-G955F using Tapatalk </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>What! All Merc drivers are law abiding citizens, aren't they?<br /> <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f644.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":rolleyes:" title="Roll Eyes :rolleyes:" data-smilie="11"data-shortname=":rolleyes:" /><img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f642.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":)" title="Smile :)" data-smilie="1"data-shortname=":)" /></div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 135134" data-quote="SL500AMG" data-source="post: 2817766" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817766" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817766">SL500AMG said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Interested in the responses (if you get any);-).<br /> <br /> Sent from my SM-G955F using Tapatalk </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>I've had prices from various places for a remap, just deciding now on insurance implications. <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f60e.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":cool:" title="Cool :cool:" data-smilie="6"data-shortname=":cool:" /></div>
 
<div class="bbWrapper">Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead</div>
 
<div class="bbWrapper">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 &quot;admin&quot; charge for the ten seconds of work the customer advisor had to do.<br /> <br /> The kit included a cat back valved exhaust system and a dealer ECU reflash.<br /> <br /> They have different power % increase &quot;bands&quot; which is what they base the price increase on.<br /> <br /> K</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 12813" data-quote="whitenemesis" data-source="post: 2817790" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817790" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817790">whitenemesis said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> 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</div>
 
<div class="bbWrapper">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. <br /> <br /> 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...</div>
 
<div class="bbWrapper">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.<br /> <br /> Unfortunately they will only cover them up to &quot;X amount&quot; (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.</div>
 
<div class="bbWrapper">how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol</div>
 
<div class="bbWrapper">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.)</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 125677" data-quote="Deesidecars7" data-source="post: 2817841" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817841" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817841">Deesidecars7 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> 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.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 57806" data-quote="DSM10000" data-source="post: 2817871" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817871" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817871">DSM10000 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> 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. </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>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..<br /> Also don't believe what some remap companies try and tell you, that their remap will be invisible, the remap will <i>always </i>be discoverable.</div>
 
<div class="bbWrapper">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.<br /> <br /> 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.<br /> <br /> <blockquote data-attributes="member: 12813" data-quote="whitenemesis" data-source="post: 2817790" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817790" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817790">whitenemesis said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Thought about a remap on my S203, my then insurer (Direct Line) advised they would cancel my cover if I went ahead </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> <blockquote data-attributes="member: 128613" data-quote="Smart320" data-source="post: 2817826" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817826" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817826">Smart320 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> 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 </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> &quot;Modified car cover... can your insurance do that? We can't.&quot;</div>
 
<div class="bbWrapper">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</div>
 
Last edited:
<div class="bbWrapper"><blockquote data-attributes="member: 125677" data-quote="Deesidecars7" data-source="post: 2817926" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817926" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817926">Deesidecars7 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> never heard of insurance company's checking ecu for remaps </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> 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 <b>always </b>checked - this is standard industry practice. It's potentially an easy get-out for the insurance company if they detect an undeclared remap.</div>
 
<div class="bbWrapper">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.<br /> I'm about to find out how much extra Axa are going to charge me to remap a stock E63.<br /> I wouldn't dream of not declaring it. Why risk a refusal to pay out should the worst happen?</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 125677" data-quote="Deesidecars7" data-source="post: 2817926" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817926" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817926">Deesidecars7 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> 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 </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote><br /> Taxis are hardly a target market for tuning though and you have specialist insurance policies.<br /> <br /> 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.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 125677" data-quote="Deesidecars7" data-source="post: 2817841" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2817841" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2817841">Deesidecars7 said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> how would insurance company's know if you did have a re map and not informed them, asking on behalf of a mate lol </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>Just don't crash.</div>
 
<div class="bbWrapper"><blockquote data-attributes="member: 137463" data-quote="tbourner" data-source="post: 2818057" class="bbCodeBlock bbCodeBlock--expandable bbCodeBlock--quote js-expandWatch"> <div class="bbCodeBlock-title"> <a href="/goto/post?id=2818057" class="bbCodeBlock-sourceJump" rel="nofollow" data-xf-click="attribution" data-content-selector="#post-2818057">tbourner said:</a> </div> <div class="bbCodeBlock-content"> <div class="bbCodeBlock-expandContent js-expandContent "> Just don't crash. </div> <div class="bbCodeBlock-expandLink js-expandLink"><a role="button" tabindex="0">Click to expand...</a></div> </div> </blockquote>In that case, why have insurance at all? <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f61b.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":p" title="Stick Out Tongue :p" data-smilie="7"data-shortname=":p" /></div>
 
You must log in or register to reply here.
Back
Top Bottom