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Discussion Starter · #1 ·
I have no experience with remapping but I'm considering it.

What have people who have remapped done about telling the insurance company? What are costs like where the insurance company has been informed?
 

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Always Always Always tell them. You're insurance might go up £200 but your car's worth 100 times that amount!
 

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Always best declaring them, hard to spot but if it is a bad enough bump they may dig! I know a few people who declare it but not the gains as this is almost impossible to prove. Hardly saying I'm approving of it though!

As for warranty this again is true, however I've known several people who have trouble with engines and it hasn't been mentioned. I think if you stage two map a VXR... but a remapped diesel with a low % increase, especially if you go down the route of being able to take it on and off yourself. My car went in for a noisy turbo mapped from 100 to 150, and you could tell second you sat in the drivers seat but no one cared. It is a risk you decide upon yourself. Warranty wise.. 1.8 They will never know from driving it. Insurance wise.. cheaper to pay than get screwed on a claim that doesn't come through!
 

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i tried to get warranty work on my astra that was standard, they sent it to thorney to be inspected for a map, came back standard, and still no warranty payment
 

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On one of our cars it had a 10% remap increase (Eco map) and I think it was 50 quid... 21 year old male driving..
 

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Now you have made is public posting on a forum I would definitely declare it.


Sent from my iPad using Tapatalk
 

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A lot of companies wont even allow you now and most charge around £100+ i've found. I've had to change companies a couple of times in past just to find one that is friendly to upgrades and doesnt try to rip you off.
 

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He never said he was getting one nor did he say he had one and was 'thinking' of telling the insurance company. Even all of that being said, an insurer isn't going to search through every single person who has asked a remap question and go through the trouble of seeing if it's that ONE person on their records.. that being said though it's not a good idea to ask the question if your username is your actual name like mine is, and in this case I highly doubt it will be hackej's real name.
 

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declare every mod (using common sense though) go by that rule and you will never go wrong or find yourself in trouble simples
 

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Always tell - had box - declared it. Now have nothing (power wise) but I put leather steering wheel and armrest. Result was DECREASE in premium as was able to insure it as "modified" car. Sounds strange but saved me some £150+ a year.

I also asked about premium increase if I remap it - was told (June this year) that company would just add 10% loading - not sure if it was Brentacre or Chris Knott (I really dont know who my insurer is :D )
 

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Discussion Starter · #17 ·
He never said he was getting one nor did he say he had one and was 'thinking' of telling the insurance company. Even all of that being said, an insurer isn't going to search through every single person who has asked a remap question and go through the trouble of seeing if it's that ONE person on their records.. that being said though it's not a good idea to ask the question if your username is your actual name like mine is, and in this case I highly doubt it will be hackej's real name.
Yes, fortunately few know me by that moniker! :)
 

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Just remember insurance companies will only replace to "standard" manufacturers specs if no mods are declared and some will void your policy for not disclosing material facts if you claim and not declared a mod. So any deviation, including factory fit options, are best declared; some mods won't increase your premium, some will increase it and some will actually decrease it.

There are plenty of brokers who specialise in modded cars and, from previous experience with a Mondeo, the premium could be lower than you currently pay.
 

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yeah, with insurance, basically, you are betting a large company that you are going to have an accident, and guess what, large companies have the resources to defend paying out.

on the mx5 forum, someone had their clam rejected because his car had 15" alloys on it, standard mazda ones that came with it when he bought it, the accident wasnt even his fault, a lorry crashed into him! he had to pay for all the repairs himself.
 
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