Author Topic: Insurance & remaps  (Read 9398 times)

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Offline meddylad

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Insurance & remaps
« on: February 02, 2014, 05:31:41 PM »
Hi folks - just to say that i rang Hastings Direct (my insurer for the last 6yrs) to say i had the car remapped and they said they wouldnt cover me - so looked around and finally found LV who insured me for £960  (im 31 y/o male with 11yrs NCB, no points or convictions) - all because i had my 2.2 remapped.  Direct Line, Admiral, eSure & Elephant wouldnt insure me either

Soooo - if ur getting your car remapped, find an insurer first - plus make sure you tell them that you have a remap (as i was told they will check if you have a bump)

Offline gazpot0111645

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Re: Insurance & remaps
« Reply #1 on: February 02, 2014, 06:47:03 PM »
Why not just not tell them... they would never know.
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Offline Willpower

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Re: Insurance & remaps
« Reply #2 on: February 02, 2014, 07:45:49 PM »
Why not just not tell them... they would never know.


You gonna take that chance ? ? ?
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Offline meddylad

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Re: Insurance & remaps
« Reply #3 on: February 02, 2014, 07:51:53 PM »
I suppose its just the chance you take... I've had my car remapped since April and didn't bother telling them.... It was in the back of my mind thou that if I ever did have a bump n they found out about the remap then my insurance wud be void which = points, driving ban, a hefty fine n further problems for next insurance.

Insurers will do anything to try and get out of payin.... I don't wanna risk it for a few quid extra

Offline NUFC19

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Re: Insurance & remaps
« Reply #4 on: February 02, 2014, 09:46:57 PM »
Hi folks - just to say that i rang Hastings Direct (my insurer for the last 6yrs) to say i had the car remapped and they said they wouldnt cover me - so looked around and finally found LV who insured me for £960  (im 31 y/o male with 11yrs NCB, no points or convictions) - all because i had my 2.2 remapped.  Direct Line, Admiral, eSure & Elephant wouldnt insure me either

Soooo - if ur getting your car remapped, find an insurer first - plus make sure you tell them that you have a remap (as i was told they will check if you have a bump)
That's one of the appealing things about Ecutek.You can just put the car back standard in seconds as well as resetting oil dilution, forced regens for dpf etc.

Offline gazpot0111645

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Re: Insurance & remaps
« Reply #5 on: February 03, 2014, 07:08:42 PM »
Yes i have taken that chance.... My previous 2 cars have been remapped. No way for the insurers to tell. Plus my tuning company can put it back to standard for me pretty quickly. The mazda diagnostic computer at work sees no difference.
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Offline Willpower

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Re: Insurance & remaps
« Reply #6 on: February 03, 2014, 08:15:09 PM »
Ok I'm not doubting that the map installers could revert the ECU back to normal if required to and if the car was available to them.

My concern is if (god forbid) the car was involved in an accident and was impounded by Police, then there would be no opportunity to revert the map and should the insurance company want to, they could then request that the ECU be examined. At that stage it would be blatantly obvious that the mapping had taken place and would automatically revoke the insurance coverage, leaving the owner wholly and totally responsible for all costs involved. Which could be horrendous.

Now still take a chance ? ?
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Offline gazpot0111645

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Re: Insurance & remaps
« Reply #7 on: February 03, 2014, 09:14:26 PM »
Never seen an insurance company examine an ECU. I would play it stupid. As far as i knew to the best of my knowledge the cars ECU was standard. Must of been the previous owner. The amount of cars on the road out there that have been sold on with ECU modifications and the new owners do not know about it. But yet we have never heard of anyone being in this situation. Unless any one has some stories for us?
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Offline richij101

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Re: Insurance & remaps
« Reply #8 on: February 03, 2014, 09:29:02 PM »
I have heard a few people in collage saying they new someone who new someone  who borrowed a sander ....... that got caught with ECU remaps but if am honest this was when i was in sixth form so it was probably parents feeding rumors to stop there kids doing it. but i was reading about insurance being denied when they found a plug in tuning box. I doubt they would put up the expense to have the ECU analysed, but who is to say in the future that they wont produce something to quickly analyse it ?
No point in doing half a job, it will only get you half way home.

Offline Willpower

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Re: Insurance & remaps
« Reply #9 on: February 03, 2014, 09:46:11 PM »
Just supporting my ideas regarding the scenario I envisaged above.
Surely if at any time, post an accident, the police consider that it might have been caused by excessive speed, then the insurance company would be more than likely to analyse the ECU. You know they will do anything to get out of stumping up the cash. A small cost laid out to investigate could save them ££££££'s
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Offline richij101

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Re: Insurance & remaps
« Reply #10 on: February 03, 2014, 10:06:50 PM »
I have been wanting to remap for a while but since am 23 i doubt i will be able to be insured on it after. my insurance was £430 in Portsmouth halfway though my policy i moved back home to Liverpool and i had to pay an extra £470. so i dread to think what it would be if i did remap and tell. but when i did enquirer about the remap a few companies said Insurance companies dont increase your premium unless it is 30%+ power increase. but i cant imagine that .

but what about if you get a remap for economy not power , how would you stand then ? 
No point in doing half a job, it will only get you half way home.

Offline Willpower

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Re: Insurance & remaps
« Reply #11 on: February 03, 2014, 10:42:24 PM »
Maybe an insurance guru will see this and let us know, but to my way of thinking and probably the insurance company's would be.
 
It's not standard therefore it does not meet the laid down specification of the car as OEM. As I understand it all car manufacturers have to supply performance parameters and specifications, to be considered by the insurance companies so they can establish in what insurance group to place the car. Then all insurance for that model is based on those specifications.
Altering those specs will put the car outside of the parameters laid down for that group.  Ipso facto it's not standard and therefore breaks the insurance agreement between the company and the customer.
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Offline richij101

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Re: Insurance & remaps
« Reply #12 on: February 03, 2014, 10:54:59 PM »
My friend is a trainee insurance broker i will have a word with him, but i think am on the same opinion as you WillPower . The car has been modified outside of its documented specification therefore is a modified car so will be an insurance void.
No point in doing half a job, it will only get you half way home.

Offline Willpower

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Re: Insurance & remaps
« Reply #13 on: February 03, 2014, 11:15:55 PM »

I'm sure that some insurance companies will accept modified cars, to a degree. The play off is of course the increased premium.  Of course it is human nature that the demographic group that "needs" extra power/performance tends to be of the younger generation who mostly cannot afford these extra costs.  Unfortunately this group already suffers from higher insurance premiums, adding "modified" into the equation will always make the insurance company rub their hands with glee.

Consequently, should a younger driver be involved in a speed related accident, with a non declared "modified" car.   BINGO ! !  Say goodbye to cheaper insurance. Insurance assessors are not daft. One look around a car and they will get a good idea if it is modified or not. It's then a simple matter to check it out.
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Offline richij101

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Re: Insurance & remaps
« Reply #14 on: February 03, 2014, 11:27:34 PM »
the are insurance companies that specialize in modified cars. they take the view that people who modify there car in a particular way respect there car more and are more likely to treat it with care. am currently looking at a project car and had some quite reasonable quotes when i state modified
No point in doing half a job, it will only get you half way home.

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Re: Insurance & remaps
« Reply #14 on: February 03, 2014, 11:27:34 PM »