safety69 Posted April 18, 2006 Report Share Posted April 18, 2006 thinking of having my ecu remapped, just thinking to myself, the insurance would never find out surely, i plan to keep the car standard so it dont look i am a boyracer, any comments Quote Link to comment Share on other sites More sharing options...
bazza_g Posted April 18, 2006 Report Share Posted April 18, 2006 This question comes up every so often - I've had remapped cars myself in the past and always told the insurance company. No matter what the advert says, a remap is detectable to the manufacturer or, more importantly, the insurance investigator - if they are looking for it. I would always advise you are open and honest with your insurer - at the end of the day it will be you that is fecked if the worse happens and you get caught out.... Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 yeh true, but what the chances of the insurance in event of accident looking for a remap if the car looks bog standard Quote Link to comment Share on other sites More sharing options...
Rustynuts Posted April 18, 2006 Report Share Posted April 18, 2006 Tell the insurance company. Quote Link to comment Share on other sites More sharing options...
bazza_g Posted April 18, 2006 Report Share Posted April 18, 2006 [ QUOTE ] yeh true, but what the chances of the insurance in event of accident looking for a remap if the car looks bog standard [/ QUOTE ] God forbid you have an accident - lets say you hit a pedestrian and leave them a quadraplegic requiring 24 hour a day care for the rest of their life. Your insurance company is looking at a multi million pound payout - belive me, they will examine every last detail..... Apart from that, they won't pay you for your motor - you'll be car-less, skint and looking at being bankrupt for life. For an extra few quid a year, its worth it Quote Link to comment Share on other sites More sharing options...
shark_90 Posted April 18, 2006 Report Share Posted April 18, 2006 I have chanced it in the past and not crashed the car, and therefore never been investigated. On your head be it, I am fully aware that my remap was totally detectable and that I didn't tell the insurance company and if they did find out then it would be my fault. Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 baz got a good point, and i guess same goes if someone hit me Quote Link to comment Share on other sites More sharing options...
lottiefox Posted April 18, 2006 Report Share Posted April 18, 2006 Its always tempting not to declare a remap. It is possible that the insurance company might not find out. But if you have an accident then you are not only not covered for the cost of your car and the other party's car, you are also not covered for the cost of any injuries you may cause. Now, if you kill someone thats not so bad (in insurers terms ) but if you create a severe injury then you are looking at a large large payout to provide rehab and care for the rest of that person's life. So, you get to explain to your insurer and the court why you didn't declare your mod and therefore made your insurance void? Then find a few hundred thousand quid or millions to pay the injured party. (and one of my clients stands to get about 8 million for injuries received in a car accident...) I reckon for the extra bit it might cost on insurance each month it's a no brainer. Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 I'm 17 and the problem is my insurers wouldn't even let me have new rear lights, not even at a extra cost, i agree its best to declare everything. I'm insured with CIS, anyone know insurers who are more flexible and will let me pay extra for mods. Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 they reckon it will be void if ANY mods are carried out, i dont believe for a minute they wouldn't pay out because of new lights? surely Quote Link to comment Share on other sites More sharing options...
jimmyp Posted April 18, 2006 Report Share Posted April 18, 2006 At the age of 17, its going to be extremly difficult or put otherwise, hardly unlikely they will cover you, tho i may be wrong... Quote Link to comment Share on other sites More sharing options...
shark_90 Posted April 18, 2006 Report Share Posted April 18, 2006 What car is this on can I ask? Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 1997 a3 1.6 sport Quote Link to comment Share on other sites More sharing options...
shark_90 Posted April 18, 2006 Report Share Posted April 18, 2006 There's no point in doing it. Really. The gain will be a few bhp, the cost will be horrendous. Forget the idea altogether Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 i can understand any performance mods because of my age, but why the hell any other mods, very strange Quote Link to comment Share on other sites More sharing options...
Rustynuts Posted April 18, 2006 Report Share Posted April 18, 2006 You make the car more desireable to someone who wants to nick it, and it gets nicked because of this. Simple. Quote Link to comment Share on other sites More sharing options...
bazza_g Posted April 18, 2006 Report Share Posted April 18, 2006 [ QUOTE ] I reckon for the extra bit it might cost on insurance each month it's a no brainer. [/ QUOTE ] good to see we're on the same page saftey69 - seriously, remapping a 1.6 is going to do feck all, I'd save the money towards my next car If you do decide to go ahead with any mods, check the back of MaxPower (I'm not kidding!) - they usually have plenty of mod-friendly insurers listed Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 while we are on the subject of insurance, I am only TPFT, and i heard if i switch to Fully Comp, i can drive any car with permission 3RD party only, is this true, i hope so, i wont bother with tuning my car then. cheers Quote Link to comment Share on other sites More sharing options...
bazza_g Posted April 18, 2006 Report Share Posted April 18, 2006 [ QUOTE ] while we are on the subject of insurance, I am only TPFT, and i heard if i switch to Fully Comp, i can drive any car with permission 3RD party only, is this true, i hope so, i wont bother with tuning my car then. cheers [/ QUOTE ] usually yes, but never assume anything with insurance - you need to check the wording of your policy or give customer service a ring to check Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 nice one, drive my brothers car for bit of fun then Quote Link to comment Share on other sites More sharing options...
shark_90 Posted April 18, 2006 Report Share Posted April 18, 2006 [ QUOTE ] [ QUOTE ] while we are on the subject of insurance, I am only TPFT, and i heard if i switch to Fully Comp, i can drive any car with permission 3RD party only, is this true, i hope so, i wont bother with tuning my car then. cheers [/ QUOTE ] usually yes, but never assume anything with insurance - you need to check the wording of your policy or give customer service a ring to check [/ QUOTE ] Definately not for someone under 21, and not likely for someone under 25 either. This is also going to be phased out over the next 12-24 months. Quote Link to comment Share on other sites More sharing options...
safety69 Posted April 18, 2006 Author Report Share Posted April 18, 2006 i'll have to look into it before i start changing things, otherwise wont be worth it Quote Link to comment Share on other sites More sharing options...
Pa55aT Posted April 19, 2006 Report Share Posted April 19, 2006 The driving any cars extension is usually not available until your 25 and will exclude certain occupations such as mechanic in most cases. Chris Quote Link to comment Share on other sites More sharing options...
Insurance Jon Posted April 19, 2006 Report Share Posted April 19, 2006 you've all done my job for me, ace, my fingers are saved for another day Quote Link to comment Share on other sites More sharing options...
Pa55aT Posted April 19, 2006 Report Share Posted April 19, 2006 lol Jon, used to be a broker, before I moved into accident management Quote Link to comment Share on other sites More sharing options...
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