1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Decalring mods

Discussion in 'Detailing' started by leespears1, Jun 28, 2004.

  1. leespears1
    Offline

    leespears1 Member

    Joined:
    Apr 20, 2004
    Messages:
    262
    Likes Received:
    4
    I recently heard that if I go for a remap - it will be undetectable in the engine.

    In this case - is it worth telling my insurance to throw more money away?

    Opinions and experiences please!!!!
    #1
  2. Anito
    Offline

    Anito Member

    Joined:
    Dec 13, 2003
    Messages:
    434
    Likes Received:
    2
    There are a few other threads about this.

    Pretty much un-detectable > Yes
    Should you tell your insurer > I guess it's up to you and how much they quote for the known modification. If they quote you a nominal amount each year for the mod, then yeah why not tell them. If they quote an arm and leg that's fifferent.

    I guess it comes down to whether or not you are comfortable 'misleading' or failing to inform the insurer about the change.

    Personally, I would investigate the impact of the change first then decide based on the new quotes.

    Good Luck. /ubbthreads/images/graemlins/angel.gif
    #2
  3. cybrey
    Offline

    cybrey Member

    Joined:
    Feb 16, 2004
    Messages:
    331
    Likes Received:
    0
    Lee without a shadow of a doubt you should tell your insurance company.. they will try every trick in the book not to pay out. It may not be just a cars damage which you'd have to fork out for .. personal injury claims runs in the 10's of thousands.

    If you can't afford to tell your insurance company that you can't afford to do it..
    #3
  4. Markb
    Offline

    Markb Active Member

    Joined:
    Apr 4, 2004
    Messages:
    2,139
    Likes Received:
    1
    I not worth the risk not telling them!

    Do it.
    #4
  5. PaulRS3
    Offline

    PaulRS3 Active Member

    Joined:
    Jan 8, 2003
    Messages:
    1,014
    Likes Received:
    28
    tell them.

    same for the DV your using. That should have already been declared. /ubbthreads/images/graemlins/wink.gif
    #5
  6. MingBluS3
    Offline

    MingBluS3 Member

    Joined:
    Jul 15, 2003
    Messages:
    360
    Likes Received:
    0
    with a standard remap mines gone from 210 to 260bhp what sort of an performance increase should i tell my insurer i have gained?

    #6
  7. JamS3
    Offline

    JamS3 Active Member

    Joined:
    Jun 17, 2003
    Messages:
    2,257
    Likes Received:
    12
    hows about 50bhp!!! /ubbthreads/images/graemlins/wink.gif
    #7
  8. RichA3Turbo
    Offline

    RichA3Turbo ...Watching you! Staff Member Moderator

    Joined:
    Jan 6, 2003
    Messages:
    5,089
    Likes Received:
    4
    [ QUOTE ]
    MingBluS3 said:
    with a standard remap mines gone from 210 to 260bhp what sort of an performance increase should i tell my insurer i have gained?



    [/ QUOTE ]

    25% chip
    #8
  9. diesel2
    Offline

    diesel2 New Member

    Joined:
    May 24, 2004
    Messages:
    1
    Likes Received:
    0
    good morning all. just had a quote from company called FRIZZEL - 0800 032 0307. don't charge for external engine mods. chiping (superchips) a4 diesel 130. seems to be my cheapest quote by far. got thier number elsewhere on this site.
    #9
  10. dickys3
    Offline

    dickys3 Moderator Staff Member Moderator

    Joined:
    Oct 13, 2003
    Messages:
    2,955
    Likes Received:
    1
    Mine went up £150 when I chipped mine a few months back. That was with DL. I didn't think that was too bad to be honest!
    #10
  11. MingBluS3
    Offline

    MingBluS3 Member

    Joined:
    Jul 15, 2003
    Messages:
    360
    Likes Received:
    0
    Just got the quote 120 quid extra, but the excess goes up?? not too happy about that.
    #11
  12. Banwell
    Offline

    Banwell previously LeeS3

    Joined:
    Jan 4, 2003
    Messages:
    393
    Likes Received:
    0
    dont know who you guys are insured with but cost me 40% increase in premium!
    #12
  13. MingBluS3
    Offline

    MingBluS3 Member

    Joined:
    Jul 15, 2003
    Messages:
    360
    Likes Received:
    0
    where do you live fella? i got a good postcode. Insure with DL
    #13
  14. dickys3
    Offline

    dickys3 Moderator Staff Member Moderator

    Joined:
    Oct 13, 2003
    Messages:
    2,955
    Likes Received:
    1
    You can bring your excess down if you are prepared to pay more money for your premium! Just a thought!
    #14
  15. MingBluS3
    Offline

    MingBluS3 Member

    Joined:
    Jul 15, 2003
    Messages:
    360
    Likes Received:
    0
    might have to do that £500 excess for the fire & theft.
    #15
  16. neiloneilo
    Offline

    neiloneilo Member

    Joined:
    May 4, 2004
    Messages:
    183
    Likes Received:
    0
    I'm now happier to have a high excess (around £600) to lower my current premium, stash away the saving. As if I'd need to make a claim, my renewal would likly to have increased more than what I'd saved on the reduced excess.
    Instead of making a claim for sub £600 I'd plan to pay myself, resulting in an extra years NC at renewal time.

    I'm a young driver without protected NC, and with not many years NC (It's amzing the damage a foot high metal post can do at 5mph). People in different circumstances may find this doesn't work.
    #16

Share This Page