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Insurance & Remapping


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#1 tom_d

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Posted 14 December 2013 - 01:14 PM

Hi guys,

 

Just came off the phone with admiral to enquire about how much it was cost if i got the car remapped.

I was told that they do not insure any cars that have been remapped only cars that have an engine chip. 

 

Stupid I know, but my question is to the people that have their cars remapped - who are you with and how much extra did you have to pay for the remap?

 

Cheers



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#2 georgen

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Posted 14 December 2013 - 03:19 PM

I be very surprised if anyone would declare it, I wouldn't and havnt in the past. not saying its right but how would they ever know. 



#3 tom_d

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Posted 14 December 2013 - 03:38 PM

I be very surprised if anyone would declare it, I wouldn't and havnt in the past. not saying its right but how would they ever know. 

 

I have thought about just not telling them but I would rather declare it to be honest.

I can imagine it would be hard for them to find out but there must be a way, if my car was wrote off for example and they found out I would be pretty screwed haha



#4 craiglr

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Posted 14 December 2013 - 06:47 PM

I be very surprised if anyone would declare it, I wouldn't and havnt in the past. not saying its right but how would they ever know. 

this is the second post on this forum of people saying they wouldn't declare things to insurance, people like you shouldn't be on the roads.  if you can't afford to pay a little extra on your insurance then don't modify your car, just think in the event of an accident if your insurance company finds out you didnt declare something then you will liable for all the costs plus get done for having no insurance.

There is no excuse.



#5 Chris95

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Posted 14 December 2013 - 07:06 PM

Wow rewritten this like 3 times now. Keep pressing the backspace button by accident!!

I work in insurance,

Basically in case you didn't know, insurance prices are based from a guided price (base premium), and then based on the risk you have given us, a percentage is either loaded or discounted depending on the situation. (For example, we take %70 off if you have 9 NCD which was earnt on a UK policy)

For remapping, I'm not quite sure what the percentage is, however we usually go by your previous quoted price. Say for example you got a quote of £1000 from Admiral, we SOMETIMES get a supervisor to try beat the price based on your risk (sometimes based off personalities, not statistics. For example, if you lived in a 'no risk' zone like Scotland, and you had a neutral occupation like an office job, we would set our own price which wasn't quoted up on our screen. It's called the pound scheme, we'd beat your previous quote), we'd do it for like £750.

^That was an example, however if you want me to, on Monday I'll check out the loading percentage for an engine remap?

#6 georgen

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Posted 14 December 2013 - 07:29 PM

this is the second post on this forum of people saying they wouldn't declare things to insurance, people like you shouldn't be on the roads.  if you can't afford to pay a little extra on your insurance then don't modify your car, just think in the event of an accident if your insurance company finds out you didnt declare something then you will liable for all the costs plus get done for having no insurance.

There is no excuse.

Craig wind yer neck in, next thing you want to tell them you putting nitro+ in yer tank, that ups the performance doest it, dont sit there and dare say people like me shouldn't be on the roads on this forum cos I know you wouldn't dare if I was in front of you. how many cars do you think get remapped then Px in for a newer model, the dealer doesn't know, you dont know what do you do then, I know lets all take our cars to our local remap place and tell them our car feels a bit frisky, can you please plug it in and see if our mapped have being played with cos I need to tell my insurance company.

 

 

Final sentence removed due to language - b1g_dav3

No need for language like that on the Forum and it won't be tolerated, please keep this in mind for future posts.

Thank-you.



#7 tom_d

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Posted 14 December 2013 - 07:39 PM

Wow rewritten this like 3 times now. Keep pressing the backspace button by accident!!

I work in insurance,

Basically in case you didn't know, insurance prices are based from a guided price (base premium), and then based on the risk you have given us, a percentage is either loaded or discounted depending on the situation. (For example, we take %70 off if you have 9 NCD which was earnt on a UK policy)

For remapping, I'm not quite sure what the percentage is, however we usually go by your previous quoted price. Say for example you got a quote of £1000 from Admiral, we SOMETIMES get a supervisor to try beat the price based on your risk (sometimes based off personalities, not statistics. For example, if you lived in a 'no risk' zone like Scotland, and you had a neutral occupation like an office job, we would set our own price which wasn't quoted up on our screen. It's called the pound scheme, we'd beat your previous quote), we'd do it for like £750.

^That was an example, however if you want me to, on Monday I'll check out the loading percentage for an engine remap?

 

Thanks for that was quite helpful.

 

If you could look that would be good yeah, I've been looking at quotes for next year and its looking around £600 without a remap so would expect to pay an extra £100 or little extra for the map, was a little shocked when admiral said they would not cover it though.

 

Who do you work for? Or are you not allowed to say on here?



#8 Chris95

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Posted 14 December 2013 - 07:46 PM

Thanks for that was quite helpful.
 
If you could look that would be good yeah, I've been looking at quotes for next year and its looking around £600 without a remap so would expect to pay an extra £100 or little extra for the map, was a little shocked when admiral said they would not cover it though.
 
Who do you work for? Or are you not allowed to say on here?

No problem, I'll check for you.

 

I'll PM you in regards to who I work for 



#9 tom_d

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Posted 14 December 2013 - 07:48 PM

No problem, I'll check for you.

 

I'll PM you in regards to who I work for 

 

Cheers



#10 b1g_dav3

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Posted 14 December 2013 - 08:01 PM

Craig wind yer neck in, next thing you want to tell them you putting nitro+ in yer tank, that ups the performance doest it, dont sit there and dare say people like me shouldn't be on the roads on this forum cos I know you wouldn't dare if I was in front of you. how many cars do you think get remapped then Px in for a newer model, the dealer doesn't know, you dont know what do you do then, I know lets all take our cars to our local remap place and tell them our car feels a bit frisky, can you please plug it in and see if our mapped have being played with cos I need to tell my insurance company.

 

 

Final sentence removed due to language - b1g_dav3

No need for language like that on the Forum and it won't be tolerated, please keep this in mind for future posts.

Thank-you.

 

Nitro just has additives to keep the motor clean, and adds a tiny, tiny bit of performance, a lot less than 5% I'd imagine. 

 

Generally speaking you should declare any modifications, although as you said most don't. The trouble is when the insurance company see's who you are (i.e. if you're considered a high risk group) then the insurance company are likely to look very carefully at the vehicle, especially if bad driving was a factor. They'll look at air filters (replacement panels can often give the game away), and companies can sometimes tell if you have played with the engine.

 

For example, there are often tamper devices on the ECU itself, so things like stickers for example that may be broken and not replaced. There's also sometimes codes on the ECU that are saved to indicate these things. Good companies usually edit the stock map rather than flashing a custom one on top so that all features are saved and it's harder to tell, but there is usually a digital finger print.

 

That said, the insurance company might take one look at the car and pay out. Just depends on how vigilant the company is really. 



#11 tom_d

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Posted 14 December 2013 - 08:08 PM

 

Nitro just has additives to keep the motor clean, and adds a tiny, tiny bit of performance, a lot less than 5% I'd imagine. 

 

Generally speaking you should declare any modifications, although as you said most don't. The trouble is when the insurance company see's who you are (i.e. if you're considered a high risk group) then the insurance company are likely to look very carefully at the vehicle, especially if bad driving was a factor. They'll look at air filters (replacement panels can often give the game away), and companies can sometimes tell if you have played with the engine.

 

For example, there are often tamper devices on the ECU itself, so things like stickers for example that may be broken and not replaced. There's also sometimes codes on the ECU that are saved to indicate these things. Good companies usually edit the stock map rather than flashing a custom one on top so that all features are saved and it's harder to tell, but there is usually a digital finger print.

 

That said, the insurance company might take one look at the car and pay out. Just depends on how vigilant the company is really. 

 

Yeah I know that the ECU needs to be took out for my car to be mapped, I'm sure no matter how much care they take it will still looks like its been tampered with, then once they have seen that they would look further and see what has been done?

 

I don't think I would have the balls to risk it and not tell the insurance haha 



#12 georgen

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Posted 14 December 2013 - 08:09 PM

I know what you are saying to be true, but I answered a post truthfully, if you were only running a remap i dont think anyone would declare, I am not saying its right and before anyone starts upping the power they need to sort brakes first. It was the way the response I received from one individual was worded that got Me to bite slightly, But remaps give power increases from small to large and 5% is still an increase.



#13 Chris95

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Posted 14 December 2013 - 08:12 PM

There's a lot of ways that we find out if the vehicle has been modified.I am not allowed to say how, but it goes beyond the actual inspection of your car if you were to make a claim. You'd actually be amazed at the techniques used! 



#14 Lenny

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Posted 14 December 2013 - 08:18 PM

There's a lot of ways that we find out if the vehicle has been modified.I am not allowed to say how, but it goes beyond the actual inspection of your car if you were to make a claim. You'd actually be amazed at the techniques used! 

do they check your cloths line for hoodies and baseball caps printed in burberyor check your jocks for "go faster stripes"
No they get there staff to join forums and monitor content of user discussions,
Make you feel good having us guess what you know that we don't in the call centre :lol: you'll fit in well here, there's lots of "my job" people on here your the one from the insurance company.
That's a new one welcome.

#15 Chris95

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Posted 14 December 2013 - 08:26 PM

do they check your cloths line for hoodies and baseball caps printed in burberyor check your jocks for "go faster stripes"
No they get there staff to join forums and monitor content of user discussions,
Make you feel good having us guess what you know that we don't in the call centre :lol:

 

Anyone with an exhaust muff and Nike trainers of course ;) haha



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