Hi Guys,

Just a quick question really, what do the majority of people do when you get the remap done.. Is it worth declairing it on insurance or not?

I no with some companyies you can get a box that switches between the maps i.e you can have 1 modded map and 1 original map and you can change between the two. Is it traceable once you have put it back to the orginal map? I'm assuming not.

Chris

all trackable

You should just tell them mate, No point running a risk.

Edited 21 June, 201016 yr by Rob.

ECU can track the serial number of equipment plugged into the OBD2 port. Switchable or not, driving a remapped car without declaring it to insurance is obviously insurance fraud.

yeah well done ^^

just a shame the robbing ******s rinse ya for it

just a shame the robbing ******s rinse ya for it

Unfortunately we all have to pay for those who don't have insurance, or who lie on claims or who are actively scamming insurers. Plus we all buy cars that are incredibly expensive to repair etc. etc. Basically, getting a remap says "I'm going to drive FAST" and that means you can expect to get a hefty hike in your premium, especially if you have points on your licence, live in a carp neighbourhood etc.

But if you are getting on a bit, live somewhere nice, drive sensibly and don't claim for a while it can be very reasonable. As an example, our Fabia vRS, with all mods declared, is less than £180 per year to insure for myself and my wife and my new Audi TT, which had a list price of almost £38,000, plus mods (20" rims, RS6 front brakes, £2500 worth of ICE, TTRS rear exhaust) is £395 per year. That's all fully comp with protected NCB. Both cars are garaged overnight.

Audi Insurance have said they will not insure it with a remap unless it's carried out by an Audi dealer, but if it is, there is no additional premium to pay(!).

Edited 21 June, 201016 yr by wja96

Unfortunately we all have to pay for those who don't have insurance, or who lie on claims or who are actively scamming insurers. Plus we all buy cars that are incredibly expensive to repair etc. etc. Basically, getting a remap says "I'm going to drive FAST" and that means you can expect to get a hefty hike in your premium, especially if you have points on your licence, live in a carp neighbourhood etc.

But if you are getting on a bit, live somewhere nice, drive sensibly and don't claim for a while it can be very reasonable. As an example, our Fabia vRS, with all mods declared, is less than £180 per year to insure for myself and my wife and my new Audi TT, which had a list price of almost £38,000, plus mods (20" rims, RS6 front brakes, £2500 worth of ICE, TTRS rear exhaust) is £395 per year. That's all fully comp with protected NCB. Both cars are garaged overnight.

Audi Insurance have said they will not insure it with a remap unless it's carried out by an Audi dealer, but if it is, there is no additional premium to pay(!).

didnt think there was any car that could be insured for £180...

didnt think there was any car that could be insured for £180...

Well now you know there is! :yes:

Declare it, insurance companies will look for a will find any signs of a remap. A few quid spent on a search could save them thousands in pay outs. I certainly would not take the risk. I you cant afford the insurance then you cant afford the remap.....

What he said.

Declare it.

My neighbour said he saw a crashed seat ibiza tdi at the side of a road the other day and aparently the police were confiscating the ECU. Does anyone know what a remap does to your original premium? is it say +30%?

Unfortunately we all have to pay for those who don't have insurance, or who lie on claims or who are actively scamming insurers. Plus we all buy cars that are incredibly expensive to repair etc. etc. Basically, getting a remap says "I'm going to drive FAST" and that means you can expect to get a hefty hike in your premium, especially if you have points on your licence, live in a carp neighbourhood etc.

But if you are getting on a bit, live somewhere nice, drive sensibly and don't claim for a while it can be very reasonable. As an example, our Fabia vRS, with all mods declared, is less than £180 per year to insure for myself and my wife and my new Audi TT, which had a list price of almost £38,000, plus mods (20" rims, RS6 front brakes, £2500 worth of ICE, TTRS rear exhaust) is £395 per year. That's all fully comp with protected NCB. Both cars are garaged overnight.

Audi Insurance have said they will not insure it with a remap unless it's carried out by an Audi dealer, but if it is, there is no additional premium to pay(!).

Wow I can't believe how cheap your insurance policies cost you!

I pay £500+ for the skoda, and £500 for my R32.

I'm 32 with 8+years ncb (I think it's atleast 8years).

Wow I can't believe how cheap your insurance policies cost you!

I pay £500+ for the skoda, and £500 for my R32.

I'm 32 with 8+years ncb (I think it's atleast 8years).

I'm 44 in September and I've never had points on my licence. I've only ever had accidents in company cars (let that be a warning to someone!) and my car lives in a secure garage in a safe part of the world. My wife's car insurance is with M&S and she's never had an accident or points in 25 years of driving. The car itself is only valued at something like £5000 because of the high mileage it's done.

Ultimately we're just very low risk for the insurers.

My neighbour said he saw a crashed seat ibiza tdi at the side of a road the other day and aparently the police were confiscating the ECU. Does anyone know what a remap does to your original premium? is it say +30%?

I'd say if they're taking the ECU they'd take the car. And they probably actually want to read the final speeds from the airbag log rather than Looking to see if it's been mapped.

As for what mods do to your insurance it seems to depend on the additional amount of power as a percentage of your original output. 0-10% is pretty cheap, 10-25% is a bit more and over 25% can double it.

My wife's aunt had an economy tuning box on her old Passat TDI estate and because she was 62 and it was described on the sales brochure as an economy tune they didn't charge her a penny. It was actually one of those Dutch TDI Performance boxes and it added 25bhp to her 136bhp car!

I'm 44 in September and I've never had points on my licence. I've only ever had accidents in company cars (let that be a warning to someone!) and my car lives in a secure garage in a safe part of the world. My wife's car insurance is with M&S and she's never had an accident or points in 25 years of driving. The car itself is only valued at something like £5000 because of the high mileage it's done.

Ultimately we're just very low risk for the insurers.

But you have to declare accidents and claims in your company car when you take out your own cars insurance. I couldn't get insurance as a second driver on my wifes car for several years after a spate of no fault claims on my company car where the other party could not be traced, car broken into, new windscreen etc. I know for a fact many people ignore these when insuring their own or wifes vehicle, but they are all recorded on a central insurance register against the drivers name and will be brought out to haunt you if you try to claim. They will take your maoney without checking the proposal or renewal, but will definately check before paying out a claim as they can void the insurance in that instance.

But you have to declare accidents and claims in your company car when you take out your own cars insurance. I couldn't get insurance as a second driver on my wifes car for several years after a spate of no fault claims on my company car where the other party could not be traced, car broken into, new windscreen etc. I know for a fact many people ignore these when insuring their own or wifes vehicle, but they are all recorded on a central insurance register against the drivers name and will be brought out to haunt you if you try to claim. They will take your maoney without checking the proposal or renewal, but will definately check before paying out a claim as they can void the insurance in that instance.

Don't fear on my account! My last accident was in 1996 and they only ask you to declare things in the last 5 years. I promise you, I over-declare to everyone - Insurance, HMRC, everybody!

All the time I had company cars I was keeping up my own NCD on a private car. The only time I had any trouble was when I lived in Germany and they wanted the proof of NCD from the last three insurers. As I generally change insurer annually to get the best deal, that involved a lot of expensive phone calls from Germany to the UK.

Hi Guys,

Just a quick question really, what do the majority of people do when you get the remap done.. Is it worth declairing it on insurance or not?

I no with some companyies you can get a box that switches between the maps i.e you can have 1 modded map and 1 original map and you can change between the two. Is it traceable once you have put it back to the orginal map? I'm assuming not.

Chris

I think you really knew the answer to this one. The insurers will use any non disclosure (quite rightly) to nullify your insurance. I have been hit twice by idiots with no insurance, it's no joke, but in both cases I took them to the small claims court and won. So not only are they known to the insurance industry as non insured drivers, they also have a CCJ against them. Your call.

My neighbour said he saw a crashed seat ibiza tdi at the side of a road the other day and aparently the police were confiscating the ECU.

I'm involved a bit with collision investigation, plod will pull the ECU on newer cars because braking, acceleration details are recorded ... big Brabus Mercs have their own black boxes ... as a former WBA player learned

I think you really knew the answer to this one. The insurers will use any non disclosure (quite rightly) to nullify your insurance. I have been hit twice by idiots with no insurance, it's no joke, but in both cases I took them to the small claims court and won. So not only are they known to the insurance industry as non insured drivers, they also have a CCJ against them. Your call.

Also, the insurers may well notify the police, so they may be looking at being prosecuted for driving without insurance (as they void it from the purchase date, and treat it as though they never had insurance).

If you're not the first owner of the car one way round it is to claim that you didn't know the car was remapped and that it must have been done by the previous owner - a remap is a material fact but facts which the proposer does not know need not be disclosed (er, obviously). My car could well be remapped for all I know (I rather suspect it isn't though ).

Not sure that's th case.. is it?

It's your responsibility to know your cars condition when you declare it?

I'm prob wrong.. but if this was "ok" with insurers the n nooooooo one would ever declare??

Hi Guys,

Just a quick question really, what do the majority of people do when you get the remap done.. Is it worth declairing it on insurance or not?

Chris

You know what the answer is....

You have a "duty of disclosure". Insurance companies always ask if any modifications whatsoever have been done, and by not declaring it you commit a fraud, which is an offense. Also your insurance is invalid, so driving you will be committing a criminal offense.

Its not a question of "will they find out", its a question of not being a criminal scum bag. :wonder:

OTOH I am sure people have bought cars which had some modifications they did not know about, such as a remap (well a car doesn't have a big sticker saying it has a remap) or alloys - the average person won't know all the trim levels which came with which original alloys.

Clearly that would be entirely unintended though, which getting a remap to go faster and not declaring it would be very different.