EM TuningAH Fabrications
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  1. #1
    sniffy_smiffy's Avatar
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    Remap + insurance = Honesty ?

    Really interested in a remap @ some point but was just wondering how much difference it made for u peeps with ur insurers ? Was going to remap my old v5 golf but never round to it!

    Also how many of u don't tell them about the mod?

    I would not do it myself as I am that type of person where as soon as i do something dodgy I would get caught and get properly shafted !! Just interested is all.

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  3. #2
    jdp1962's Avatar
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    Why not ring your insurer first, tell them you're thinking about a re-map, and ask what difference it would make to your premium? Then you can decide whether to have it done or not.
    A4 3.0TDi SE Quattro Auto. Factory-fit: RNS-E/bluetooth; F/R parking sensors; full leather/heated front seats; cruise. Retrofit: Remap; Eibach 30mm lowering springs, RS4 RARB; MTEC drilled/grooved discs; 18" RS4 alloys; VW fan washers; Kinetic Digitizor DAB; Blackvue DR380 camera; front armrest; ambient lighting; white LED lights; autodim mirror; Cupra splitter; S-Line door blades; tints; UK pressed plates; MFSW; SDS; TPMS; LED Taillights and DRLs.


  4. #3
    quattrojames's Avatar
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  5. #4
    scott b's Avatar
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    its not something that you can visualy see, personaly wouldnt tell them

  6. #5
    quattrojames's Avatar
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    Someone told me once that in the event of a claim, insurers will search forums for evidence of mods done to a car to avoid having to payout. I don't know how true that is .....
    Ingolstance Read about my A6 HERE.

  7. #6
    paul20v's Avatar
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    How would they know if no reg plates are posted .

  8. #7
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    I assume most insurers will say more power means more risk and thus higher premium but how can they check and if abuyer is not told by the seller then it will probably be irelevant.I have a tuning boxbut it can be taken off in mins assuming there is an opportunity to do so.Insurers must do well out of safe drivers in higher powered cars but I have no complaints because Direct Line only want 40 pa more for my 2.5TDI quattro than my wifes 1.0 Micra.Also I get more power in the micra with Shell V Power but should I tell them??

  9. #8
    quattrojames's Avatar
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    Quote Originally Posted by paul20v View Post
    How would they know if no reg plates are posted .
    Yeah I don't know, I can't see how workable it is or how much investigation they would do to prove the point.
    Ingolstance Read about my A6 HERE.

  10. #9
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    I think a bit of common sense is required. I'm always amazed that some people make their car really quite traceable. Of course if people have done other modifications that are easily spotted in the engine bay then it is going to but a query in the mind of an assessor if there's an accident as to whether they've had a remap. If you're into lots of mods then it seems crazy not to declare them.

    With a simple remap however, if you bought your car used who's to say you even knew about it?


  11. #10
    matttrs's Avatar
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    I'm surprised that you even consider not telling them, firstly can you afford for them not to pay out if the car gets smashed, esp with the amount of uninsured drivers around. 2ndly can you afford to pay for someones medical bill, and someones else car if you crash in to them. finally, if your car get in a fairly decent crash, and gets lifted to the pound or wherever, you wont get the chance to remove it.
    I read enough threads on edition38 and pistonheads of people who have lost their car and a lot of cash over undeclared mods, which aren't even performance enhancing.

  12. #11
    sniffy_smiffy's Avatar
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    Thanks Gents,

    Will be calling Admiral to find out if they support mods.

    Last company is was with did not insure any mods ?? Swinton (Bullseye Underwriters)

    Will post price once i have spoken with them.
    Audi A4 Avant 1.8T Limted Edition 2004 Manual (30k Miles) - Akoya Silver - S-Line Bodykit - RS4 17" Alloys
    Heated Leather/Alcantra Seats



    My Ex's (Some not so desirable !! ahemm...)
    VW Golf 2.3 V5 170BHP
    VW Polo 1.2 C Formel E - The Beast .....
    Ford Fiesta 1.6 Si

  13. #12
    steeleez's Avatar
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    I done a quick quote on confused.com with the map and without, with costs 200 more, total rip off grrr. That puts the price up to what I paid for a 911.

  14. #13
    J7USS's Avatar
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    What are the chances of your insurer checking to see if you have a map on your car??? and if they did ever find out then you play dumb and ask "what the hell is one of them"....Dont tell them. simple!

    How you supposed to know your car was map'd when you bought it
    ...unless of course its only a few quid extra on your premium!

  15. #14
    paul20v's Avatar
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    Quote Originally Posted by J7USS View Post
    What are the chances of your insurer checking to see if you have a map on your car??? and if they did ever find out then you play dumb and ask "what the hell is one of them"....Dont tell them. simple!

    How you supposed to know your car was map'd when you bought it
    ...unless of course its only a few quid extra on your premium!
    The insurers wouldnt be able to tell if theres a map .

  16. #15
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    "TO THE BEST OF MY KNOWELEDGE SIR I AM NOT AWARE OF ANY ALTERATION'S TO VEHICLE"

 

 

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