I was just wondering how many people have this on their car and have informed their Insurance companies?

I have a 1.8T 4x4 and frankly I can't see my Insurance company saying that's okay an increase in BHP from 150-220 (Possibly 230BHP!). So for all those who have had it done and informed how did you get around the Insurance company. For those who didn't inform then are you mad or very clever?!!!

The car still has some kick in it without the ECU Upgrade but I can't see myself waiting too long before I get the Upgrade so how do I do it?

Aaquil.

Tell your insurance company otherwise you are a plain fool.

Tell your insurance company otherwise you are a plain fool.

I agree

You'd be a fool not to declare any modifications to your insurers.

Quite a few of us insured with Liverpool Victoria/Frizzell, at a time when they happily accepted modifications with no increases in premiums. Sadly, those days are gone; LV won't accept any new business involving modified cars, although they do extend "grandfather rights" to people who have already insured modified cars.

There are a couple of specialist insurers (Adrian Flux, Greenlight) who will insure modified cars at reasonable rates. IIRC, Adrian Flux offers a discount for Briskoda members.

i'm insured with elephant and have declared all of my mods, the only thing that could be considered cheating is that when they asked the power increase i worked out the percentage from wheel power as that is the only true accurate figure so technically mine was only a 20bhp gain :P

Ring up your insurance co and tell them what you're planning to do. The bhp %age increase is a hefty one so if you can't afford what they are asking to cover you then you have two choices, look at other insurance co's who will, or just don't get it remapped!

If you don't tell your insurance company your insurance is null and void and last time I checked, DWI was a pretty serious offence

Chris

A friend of mine works for a re-insurance company,that would be a company that under writes most major insurance companies.The policy now is that if your insurance company thinks you are at fault in an accident and your car is classed as a peformance car or falls into certain insurance groups then they will take your ECU out and send it back to the manufacturer and get them to plot the ECU information on a lap-top and compare it to a standard ECU.If it doesnt match (and there is margin for error) then they wont pay out.The remap may be invisible to VAG-COM but not to the techies who made it.

i'm insured with elephant and have declared all[/b'] of my mods, the only thing that could be considered cheating is that when they asked the power increase i worked out the percentage from wheel power as that is the only true accurate figure so technically mine was only a 20bhp gain :P

It's worth noting that Elephant will only replace with standard parts in the event of a claim. I've read of people having a small bump e.g a front corner and that have non standard alloys and brakes, and Elephant wanted to fit the standard items to just that corner!

well thats silly

Admiral and Bell direct (a sub of Admiral) both insure modified cars. Admiral were cheaper for me this time around. Anyone who dosn't declare mods and is then found to have lied deserves everything the law throws at them. I checked my premium with and without remap and the difference was only

How old are you? Most insurers will insure a remapped car if you're 25 or above.

i'm only 23 goochie :P

Wait 'till you're 25 then - My premium for the car with remap, exhaust and bailey is now less than the standard car was.

This is mainly due to the ability to shop around as more insurers consider you at 25+ with mods.

can't wait

will be helpful as by the time i'm 25 i plan to lots more mods

Thanks for all the replies...by the way I was not suggesting that I was going to modify and not declare...I'm paranoid as it is and that is just plain cheating. I just can't get my head around the fact that an increase in around 70-80BHP would be accepted by an Insurance Company without a massive increase in premium.

I am with admiral so maybe I will let them know and see what they think. I am 31 years old but have only 5 years of driving experience and live in 'one of those...' postcode areas.

I'll see what they reckon.

Thanks

Aaquil.

I had to laugh when I rang my insurers (Egg) of late to enquire about modifying for 312mm brakes.

"Does this modification increase the engine capacity and/or BHP sir?"

WTF they're BRAKES!!

Fantastic!!!

that 70-80bhp increase is a guess, the only real measured figure is the fly figure so thats what i quoted:)

What do you mean?

that 70-80bhp increase is a guess, the only real measured figure is the fly figure so thats what i quoted:)

You mean wheel figure don't you? :P Although won't the %age increase for the power at the wheels be pretty much the same as the %age increase for the flywheel figures?

Chris

my screw up i did mean wheel figure.

well i based it on skoda telling me its 150bhp and the only reliable figure from the tuner was the wheel figure, i.e. 180bhp