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Remap & Insurance Premiums


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#16 Stoney871

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Posted 25 February 2014 - 07:36 AM

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.fordowner...-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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#17 BigRog

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Posted 25 February 2014 - 12:24 PM

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.

#18 M4RC

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Posted 25 February 2014 - 05:55 PM

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


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#19 FOCA

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Posted 25 February 2014 - 08:20 PM

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


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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



#20 Stoney871

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Posted 25 February 2014 - 09:12 PM

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.

#21 DAN@ADRIAN FLUX

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Posted 26 February 2014 - 09:50 AM

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



#22 jeebowhite

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Posted 26 February 2014 - 04:20 PM

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?



#23 colinben

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Posted 04 March 2014 - 11:03 AM

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.



#24 BigRog

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Posted 04 March 2014 - 02:06 PM

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.

#25 colinben

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Posted 04 March 2014 - 06:53 PM

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



#26 BigRog

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Posted 04 March 2014 - 07:12 PM

Hi Colin, I just ticked the box on the compare site and QMHappy's price went up by the £80, surprisingly it was the same price as the ST2 and that has 30bhp more than the Zs with the bluefin, I can't work the insurance company's out.
After having subaru's and type r and mazda mps's for the past 18 years of my life and various high powered motorbikes for the past 25 years and never had a claim or bump or conviction in over 30 years of driving, I'm still paying £314 fully comp protected on the Zs.
Only been paying aprox. £280 ish on 300bhp cars.
Got me beat how they work it out.

Roger.

#27 FOCA

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Posted 04 March 2014 - 09:56 PM

Hi Colin, I just ticked the box on the compare site and QMHappy's price went up by the £80, surprisingly it was the same price as the ST2 and that has 30bhp more than the Zs with the bluefin, I can't work the insurance company's out.
After having subaru's and type r and mazda mps's for the past 18 years of my life and various high powered motorbikes for the past 25 years and never had a claim or bump or conviction in over 30 years of driving, I'm still paying £314 fully comp protected on the Zs.
Only been paying aprox. £280 ish on 300bhp cars.
Got me beat how they work it out.

Roger.

Well - looks like commonsense and logic does not come into it 



#28 Stoney871

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Posted 05 March 2014 - 01:43 AM

There's so many factors taken into consideration when calculating insurance policies that it can make your head swim.

Where you live, where you work, your job, your age, where you park day or night, age, modifications, driving convictions, previous claims, alarms/immobilisers, garage/drive/road parking, insurance claims in your area, crime statistics in your area, etc,etc.

Your neighbour across the road could drive the exact same car but his job and the fact that his side of the road could be in a different post code or even a different Council ward will come into consideration.

Near me there is a road that has a different name on either side (weird IMHO) and the fact that the names are different really makes a difference.

There are web sites that suggest alternative job names for what you do which can alter your policy loading drastically.



#29 jeebowhite

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Posted 05 March 2014 - 08:56 AM

Martin Lewis has this facility, type Martin Lewis car insurance job title into Google and it should be near the top.

Basically if your title is computer consultant and carries 1000 pounds in insurance premium, it suggests alternative titles such as computer technician, same job but this subtle change could save you a few hundred quid

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#30 jamesm182

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Posted 05 March 2014 - 09:18 AM

Last time I sorted out the insurance on the ST I think I paid around £70 extra to cover all mods including a map. Didn't think that was too bad for complete peace of mind!



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