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BigRog

Remap & Insurance Premiums

34 posts in this topic

Just wondering how much your insurance has been loaded with you declaring your remaps? ie. bluefin

This is of course you have declared it ... :rolleyes:

Mine want another £80 "quote me happy"

also, if you have a "online" policy only what do you word your remap as?

cheers, Roger.

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Was wondering this myself as the bluefin remap is very tempting ... :)

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Switch the map back to old one in the event of an accident = £0 ? :P

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I'm considering a remap so would be interesting to know, might ring and ask!

Just out of curiosity - whats the bluefin like? (Also what mk fez do you have it on/power gains etc)!

Any info appreciated!

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Haven't declared mine, how on earth will my insurance know that my car has been mapped? It's not like they're going to stick it on a dyno run and say "Oh look, your car has more brake horse power" Won't happen. Whether that be a write off or a repair job..

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Nothing but I had to change insurance company's . Was originally with ford insure and they don't do modified cars

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In the event of a very serious accident - the police take away your car and forensics will test your car . It happened to a friend of mine and he wasn't covered in his saxo ... And lost 14 grand due to undeclared engine mods

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I'm considering a remap so would be interesting to know, might ring and ask!

Just out of curiosity - whats the bluefin like? (Also what mk fez do you have it on/power gains etc)!

Any info appreciated!

dont know ur engine size, so i take its a 1.6 tdci

http://www.a1motorservices.co.uk/search1.asp?modvar=435

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Id always declare mods...

Insurance companies are always looking out for ways to get out of paying out for claims

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I'm leaning more to declaring it when I get it due to the fact that insurance company's are getting wise to these "diy" remaps, also if you do have a serious accident what chance have you got to put the original map back before the paramedics and police get there?

also peace of mind I think.

Thank's for replys guys but the question was how much extra is your premium for declaring a remap, not can I get away with it.

Roger.

mixmasterlooney likes this

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dont know ur engine size, so i take its a 1.6 tdci

http://www.a1motorservices.co.uk/search1.asp?modvar=435

Yes Martyn, how'd you guess?

I should really be more helpful if I want information..

Mines a zs tdci, mk6 facelift so thing it's the 90ps version?

I had a chat with a guy called Tom from Angel Tuning (Bicester) who said I could get +30bhp/+50f/p torque? That said, I've heard mixed things about them so want to shop around!

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Really want the bluefin remap but would I have to declare it? If I had a smash or whatnot surely they can plug in a device which will show the map has been changed???? This is my first car so if I gad to declare it I obviously couldn't as it would probably add about a grand on top haha

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Really want the bluefin remap but would I have to declare it?

Legally, yes.

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Haven't declared mine, how on earth will my insurance know that my car has been mapped? It's not like they're going to stick it on a dyno run and say "Oh look, your car has more brake horse power" Won't happen. Whether that be a write off or a repair job..

Is it worth the risk though. If you write your car off and they do find out you get nothing, apart from being £1000's out of pocket. Your choice. Insurance companies are not as stupid as we think they are, and will do anything to get out of paying out.

Just look at some of the reasons they are giving out to the current flood victims so they dont have to pay out..

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It's not only your losses it's what ever other damage is caused at the time as well, ie. the other party.

Not worth it thinking about it, it would always be nagging away in the back of my mind.

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It is rumoured that Ford can locate a "Hex Flag" saved on the ECU which would indicate a remap even if it was removed.

http://www.fordownersclub.com/forums/topic/49501-tdci-bluefin-and-hex-flags/

Legal wise, if you have a collision and the insurance company finds an undeclared modification (remap included) then they will void your policy immediately and then you would be open to prosecution for no insurance.

A better option that many diesel drivers go for is a tuning box as it does not alter any ECU data but merely re-interprets any data going to the injectors producing better power etc..

Baseline answer is declare ALL modifications, better safe than sorry.

My strong advice to young/inexperienced drivers is to hold off on modifications/remaps until you are more experienced/older when you have built up a good no claims discount and reduced your insurance premiums significantly.

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well said stoney, had word of a ford mastertech and he seconds what you said about being able to trace the life of the ECU.

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They tuning boxes are terrible, such a waste of money. Adds barely any power and only fools the Ecu that it gets better mpg

Sent from my iPhone using Ford OC

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They tuning boxes are terrible, such a waste of money. Adds barely any power and only fools the Ecu that it gets better mpg

Sent from my iPhone using Ford OC

Tuning boxes come in all shapes and sizes - and prices - from a £7 e-bay "resistor" special to a digital - multi channel box costing £400+

I run a Superchips remap that was produced specially for the car/ modifications and the DTUK box i also run is almost as powerful at the top end (+ more bottom end power than the map) both are vastly more powerful than the stock engine (without tuning box/ running the stock map)

The DTUK box is standard apart from a remote adjustment (so i can turn it up/ down easily it used to be a fiddly micro ajuster & you had to take the cover off), even on the stock level that the box comes with its a lot more powerful than without the box

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TDI Tuning do good boxes for gassers.

I have a couple of friends that fitted one and they are more than happy.

One is running at one jumper above 'optimum' and reports a noticeable boost whereas the other was impatient and went right up to maximum.

Put it this way, he hasn't stopped grinning yet :d.

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Hello Guys

We do get a large number of clients wanting to remap their vehicles for a whole host of reasons. For example, someone remapping their estate car could be doing it to increase torque when towing a caravan.

You do need to advise your insurance company otherwise you run the very high risk of invalidating your insurance. As a specialist we are maybe set up better to insure remapped vehicles compared to others who might apply a "set" charge to remapped vehicles or not cover at all.

Dan

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On the topic of cost - it can be as little as £40 - if your on a modified car policy it could be just the admin fee, however if its on a non mod policy, you will be looking at anywhere up to £80 per % bracket.

Ordinarily insurers bracket the bhp output as 25% or less - 26 to 50%, 51 - 75% and 76 + %

Most insurers will charge you about £80 for up to 25%, I found comparing sites, that up to 50% the average was £150, anything over 50% would tend to add hundreds of pounds, or refuse to insure you.

In response to the early questions "would I get caught" the answer is - you would have to be lucky not to! I am not replying to anyone individual here!

OK - park your car in a tree, claim a repair - probably not. but if you are involved in anything more than a small bump with another vehicle and your in trouble. A lot of modern cars these days have various protective functionality.

For example, the ECU will disable write capabilities until its been reset on the accident counter. therefore if you park your car in someone elses and cause a massive accident, plugging in your bluefin will potentially result in NO CHANGE to your ECU map. Also (not a policeman here) but I am sure that you could also be done (if found) of tampering with a crime scene, or for all intents and purposes "perverting the course of justice" on top of a possible Dangerous Driving, Driving without due care and attention, causing death by dangerous driving.... the list goes on!

Now, the other thing you probably dont know is that the ECU is not all Read and Write, there are portions of most ECU's that have a counter within them. You can remap 99% of the chips code, but there is more often than not a sector that is write only - i.e. everytime you put a map on, it adds one to the counter, then when you change it again - it adds one more, also markings with timestamp is common.

A quick check can easily obtain this counter information, and a quicker look still to the M.I.B Records would identify that you have not previously declared a remap of the ECU chip, therefore, it would show that you have deliberately interfered with it.

For a small knock for knock your right, you probably would get away with it, but for a bigger accident (and especially one were injury is reported - even your own!) you will be shooting yourself in the foot.

Now to get to the point of "what if I am caught" - at best you will be given a slap on the wrist - but when did this last happen? Lets just say your write off a Merc SLK - easily a £200k car if you buy the right one. You have a remap not declared, the insurer finds out - all of a sudden they are NOT paying out. Why should they pay £200k for your accident when you have not declared vital information to them? so then your stuck with a cancelled insurance policy (these NEVER go away - thats why insurers comparison sites ask "have you ever had insurance cancelled or been refused") so your then looking at the costs of the damage, and you decide to go out and buy the cheapest car you can find, bog basic - no mods, no fancy frills - ordinarily, you might have been charged £200 for the insurance, but now, as most insurers wont touch you, only the select few will have you, and you can guarantee, you will be paying 10x the price every year because of your dishonesty on one ocassion.

so, for the case of court, fines, possible prison sentence, CCJ's may also be used, refused insurance, elevated premiums, personal injury claims, lawyers costs, third parties car / repairs, criminal record....

Seriously... Need I go on?

At the end of the day, its an individuals choice what they decide to declare, but for the sake of an extra £40 for a few mods to be written on a piece of paper, or a single life changing moment, its not worth the risk. I feel very passionate (as may be told by the above) of those who flout the law and as a result cost dearly those who have suffered from the result. imagine this, would you want to be sat in court, having already gone through the above farce, now looking at the fact you are now being perused for £50,000.00 because you broke a lawyers leg, and they couldnt work for half a year? or worse still, you seriously debilitated an individual with a life changing injury? just remember this - tell your insurer the truth and they will pay out, if they try to wriggle out, you can take it to court and if favored you will force them to pay for the full half a million claim if thats what it costs! lie to them and they have no reason or obligation to stand by you, and most certainly wont - but could you find half a million now?

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Just wondering how much your insurance has been loaded with you declaring your remaps? ie. bluefin

This is of course you have declared it ... :rolleyes:

Mine want another £80 "quote me happy"

also, if you have a "online" policy only what do you word your remap as?

cheers, Roger.

Roger did you find out with Quotemehappy I am with them and would like to declare a map If I go for one.

Colin.

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They want an extra £80 for the re-map, I have decided against having one, I won't pay the silly price they want, I can't justify it and I won't risk not been insured.

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They want an extra £80 for the re-map, I have decided against having one, I won't pay the silly price they want, I can't justify it and I won't risk not been insured.

Just had areply from them and they will not insure me with a bluefin map

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