39 replies to this topic

[BARDS]

[quote name='snoopstah' date='Aug 2 2005, 16:23 '] [quote name='BARDS' date='Aug 2 2005, 13:05 '] [quote name='Mackem' date='Jul 25 2005, 13:39 ']i didnt think a remap was detectable? so wasnt going to tell my insurance company. Geoff.(Barclays insurance) [/QUOTE]
Everything's detectable. For starters, they could measure the power output on a rolling road, which would be a pretty clear sign. Or they could read the ECU flash memory and compare it to a stock ECU.

It's very unlikely they'd bother though, but if you cause an accident that costs them several million or something, they might start investigating ways of getting out of it a bit more thoroughly. [/quote]
just spoke to my insurance company told them i planned a ECU remap in the near future and was told that as long as the ECU unit wasnt broken open im still covered as long as i keek them imformed. Geoff.

[ukgulf]

Just got my insurance updated by elephant.... snip....

Asked about a quote for a remap and they dont cover for them- ... snip

I modified my elephant insurance online, it gives you 3 options:

Engine chip 00-10% inc BHP
or
Engine chip 11-25% inc BHP
or
Engine chip 26%+ inc BHP

[Sicey]

Adrian Flux/RSA just quoted me another £80 for TMS stage 1 on my NA

[ukgulf]

TMS Re-Map (Stage 1) - Increase of £593pa 

Did you do this online ? Did you select 0-10% increase or 10% + ??

I said it would be about 20bhp so I guess this is just over 10%

Given up on the idea now, certainly until I change insurer next year

Well a TMS stage 1 remap is 150 bhp, standard is 145 bhp so that's less than 10% ...
I had a milltek and stage 2 which is supposedly 160 bhp. If 145 bhp + 10% = 159.5 bhp then I reckon that it fit's the <10% bracket because the milltek must provide more than the remaining .5 bhp... so by my reckoning the remap itself is less than 14.5 bhp .. does that make sense ?

[njc11]

Adrian Flux didnt charge me any extra for the Full Milltek and ive not spoken to them yet about the remap... can't imagine it will be that much though.. My premium for this year was £445 fully comp.. (June this year) Cheers Nick

[Mackem]

TMS Re-Map (Stage 1) - Increase of £593pa 

Did you do this online ? Did you select 0-10% increase or 10% + ??

I said it would be about 20bhp so I guess this is just over 10%

Given up on the idea now, certainly until I change insurer next year

Well a TMS stage 1 remap is 150 bhp, standard is 145 bhp so that's less than 10% ...
I had a milltek and stage 2 which is supposedly 160 bhp. If 145 bhp + 10% = 159.5 bhp then I reckon that it fit's the <10% bracket because the milltek must provide more than the remaining .5 bhp... so by my reckoning the remap itself is less than 14.5 bhp .. does that make sense ?

I think the VXT re-map (Stage 1) takes it up to 240bhp so I guess that is /grabs calculator/...20%!

Ironically if the chip made a slightly lower increase in power I'd be more likely to get one

[ukgulf]

TMS Re-Map (Stage 1) - Increase of £593pa 

Did you do this online ? Did you select 0-10% increase or 10% + ??

I said it would be about 20bhp so I guess this is just over 10%

Given up on the idea now, certainly until I change insurer next year

Well a TMS stage 1 remap is 150 bhp, standard is 145 bhp so that's less than 10% ...
I had a milltek and stage 2 which is supposedly 160 bhp. If 145 bhp + 10% = 159.5 bhp then I reckon that it fit's the <10% bracket because the milltek must provide more than the remaining .5 bhp... so by my reckoning the remap itself is less than 14.5 bhp .. does that make sense ?

I think the VXT re-map (Stage 1) takes it up to 240bhp so I guess that is /grabs calculator/...20%!

Ironically if the chip made a slightly lower increase in power I'd be more likely to get one

I woz quoting the NA ....

[P11 COV]

I know there will be those who frown but if it's just a remap no ones ever going to know. Yes there maybe ways of finding out but no insurance company is going to go to that extent. Why would they even consider that your car may have been remap? As far as visible mods then thats another matter...however I know someone who wrote thier car off and had neglected to inform the insurance company about several highly visable mods and there was no mention of them. A full and generous pay out was made.

[snoopstah]

I know there will be those who frown but if it's just a remap no ones ever going to know. Yes there maybe ways of finding out but no insurance company is going to go to that extent. Why would they even consider that your car may have been remap?

As far as visible mods then thats another matter...however I know someone who wrote thier car off and had neglected to inform the insurance company about several highly visable mods and there was no mention of them. A full and generous pay out was made.

Driving around with undeclared mods is like driving around with no insurance - and paying for the privilege.

[LazyDonkey]

I know there will be those who frown but if it's just a remap no ones ever going to know. Yes there maybe ways of finding out but no insurance company is going to go to that extent. Why would they even consider that your car may have been remap?

As far as visible mods then thats another matter...however I know someone who wrote thier car off and had neglected to inform the insurance company about several highly visable mods and there was no mention of them. A full and generous pay out was made.

Driving around with undeclared mods is like driving around with no insurance - and paying for the privilege.

Much as I hate to give insurance companies more money I'd have to agree.

When I crashed my MX5 i was very glad I'd declared the (mazda optional) alloys as NU were trying everything in their power to wriggle out of bits of the claim. To the extent that I had to speak to Mazda to prove they were options and not aftermarket.

My upcoming re-map is only going to add £45 to my policy so it would seem silly not to declare it and risk them not paying out.

[Sicey]

Apart from the thing of driving legally, if your mods are declared and car is damaged then they should cover the cost of putting it back to as it was with mods

[LazyDonkey]

if your mods are declared and car is damaged then they should cover the cost of putting it back to as it was with mods

I might be wrong, but I'm pretty sure the small print on 99% of all policies says they'll take the money for you declaring mods but will replace them with standard parts.

Wheether they always stick to the letter of the policy on this I'm not sure (NU replaced one alloy for me) but one of the main reasons for me moving from Elephant to Greenlight / Highway was they they replaced the mods with like-for-like.

[snoopstah]

Yup, most mainstream insurers don't do like-for-like replacement - another benefit of Greenlight

[jimgraham]

I might be wrong, but I'm pretty sure the small print on 99% of all policies says they'll take the money for you declaring mods but will replace them with standard parts.

that was the way it worked with me

Plus TMS stage 2 on NA was an extra £50pa with Bell direct

[Tony_M]

Yup, most mainstream insurers don't do like-for-like replacement - another benefit of Greenlight

Just changed to Green Light myself had the odd one or two mod's to declare...

[LazyDonkey]

Yup, most mainstream insurers don't do like-for-like replacement - another benefit of Greenlight

Just changed to Green Light myself had the odd one or two mod's to declare...

Are they taking Vx's back on again ? Was yours a new policy ?

[chuno]

One word of advice to everyone getting quotes from or insured with Elephant/Admiral. If you are enquiring about mods, always do it online. I phoned up admiral to get a quote for a remap on a previous car and they quoted me a stupid amount, Went on their website, did the same thing (engine chip Dont know why that is. Anyway, bought my na just before i turned 24. It is modded with a remap/exhaust and pipercross viper, told the insuranace about all of these and it came to about 900 quid, not bad i thought considering my age and the fact that i only had 2 yrs ncd. Was about and extra £100 for the mods IIRC

Edited by chuno, 30 August 2005 - 02:30 PM.

[Tony_M]

Yup, most mainstream insurers don't do like-for-like replacement - another benefit of Greenlight

Just changed to Green Light myself had the odd one or two mod's to declare...

Are they taking Vx's back on again ? Was yours a new policy ?

Yes and Yes

[LazyDonkey]

Yup, most mainstream insurers don't do like-for-like replacement - another benefit of Greenlight

Just changed to Green Light myself had the odd one or two mod's to declare...

Are they taking Vx's back on again ? Was yours a new policy ?

Yes and Yes

[funone]

Have just had Adrian Flux quote for a seriously modded VXT - Courtney CS3, charge cooler, Milltek, etc plus VXR wheels, Yokos, 46mm Ohlins, bigger brakes and new anti-roll bar. Guy at Flux's was very knowledgeable about Vauxhalls and mods - new rough power output of a CS3 before I told him. Existing premium £680 and now with this lot declared was £825. Best to declare everything!! This is with class 1 business use and protected NCB and 5000 miles limit. Very efficient and helpful.