GolfGTIforum.co.uk
Model specific boards => Golf mk4 => Topic started by: fat bald bloke on 26 August 2003, 08:58
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Chipping sounds great, it makes your car go faster - great.
But, are there downsides?
Does general engine wear increase ten-fold, does your insurance (if they're made aware) increase ten-fold?
Or, is it all good?
I have a 2000 V reg 150bhp 1.8t - that, incidentally, doesn't have the red Gti badge - why not?
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Chipping the car shouldn't give you any problems. As long as the turbo boost isn't too high!
The 150bhp 1.8T is detuned, it probs is a more natural 180bhp.
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Many Thanks.
Would the 180bhp be exactly(?) the same engine and tuning as that in the Seat Leon Cupra?
Are you aware of anyone that's informed their insurance company and whether or not it made a big difference to their premium?
Despite being the ripe old age of 28 and with 4 years ncd most of the major insurers that I tried (online) wouldn't even offer me insurance on the car as it is!
Direct line gave me cover for a little over ?600 in the end.
Kerbed an alloy this morning. Boo.
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As far as i know all the 1.8T engines are pretty much the same, all to do with turbo boost and fuelling. If you chip it don't bother telling the insurance company, theres no way they are gonna know!
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I know what you mean about insurance, i am 29 with 4ync , insurance on my vr6 is just sh!t.
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Despite being the ripe old age of 28 and with 4 years ncd most of the major insurers that I tried (online) wouldn't even offer me insurance on the car as it is!
Direct line gave me cover for a little over ?600 in the end.
Thats not bad at all, whats your excess? Most policies wont cover under the age of 30.
I have had a quote off Esure for my soon to arrive 1.8T 180 - ?585 fully comp (?150 excess) - thats for me (30) and the missus (29), 7 years no claims and 3 points for speeding.
Gary
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Thats not a bad quote!
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I think my excess is ?150 too.
And yea, I wasn't too dissapointed with the ?600 quote, I was quite surprised that so many refused though. I guess it's a nice car to steal though. Actually it's a bloody lovely car to steal.
Might be old news to you guys but apparently an insurance premium will often go down if you add a named driver to your policy - something about the insurers seeing it as spreading the risk.
When people talk about being able to change the settings after chipping their car - is this done in the cabin via a nice looking switch or is it a bonnet up affair? If it's in the cabin is it a nice looking thing to fit in with the quality of the interior?
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Insurance go down when adding another driver? thats the first i heard of it. Every company i've tried want more if i put my wife on the policy.
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Hi all,
I'm a bit a newbie to all this gti lark but bear with me ;)
I've just bought a y plate gti and the insurance quote I got went down by ?60 when I added the wife to the policy and that's with her 3 points for speeding??!?!??! Fact of the matter is she won't be going anywhere near the drivers seat but hey, if it knocks a few quid off then I'm all for it :)
Jim
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I suppose some boring old fart like me has to say it. When I was 20 I thought I knew it all. When I was 30 I realised I didn't know it all at 20 but I did now. When I was 40 I realised that I didn't know it all at 30 etc etc etc. Now I am 50 I must know something ? I have only just joined this forum and find it useful, knowledgeable and most times entertaining. What disturbs me on occasions is all this talk of modifying the cars to go faster, which is understandable - I can see the point of it - but usually topics like this don't mention (hand in hand) is how to increase the stopping power of the car - this current topic is one of them. As for talk of 're-chipping' the car but not telling your insurance company because they won't find out - what are you guys thinking about. If I have learnt nothing else about insurance I can tell you that in the event of any claim (house/contents/medical/car) insurance companies will do everything in their power NOT to cover you. If you increase the power of your car and have an accident and cause serious injury or worse to another party (or even yourself) most likely the insurance company will look very very very closely at your car. I'm a professional electronics engineer - it would take less than 30 secs to establish that 'your' car does not have the standard data in its rom/eprom. Look at it from the insurance companies point of view ? - they can sit back and relax, pay out ?500,000 when you make a claim for someone you've maimed or they could spend ?40 and get an engineer to look at your chip. So, now you've hit someone and they are lying dead on the pavement and your insurance is null and void.
As I say I'm sorry to be an 'old fart', I know its easy for me to say it when your my age and you only pay ?300 a year for insurance, but I was young once. Don't cheat on your insurance - you may be on the receiving end one day.
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Insurance is always the bloody downside to everything :'(
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That's why i drive a 2.0l GTI. It's the only one i can afford to insure as i'm 25 with only 2 yrs ncb. (?800 fully comp including business use) A 180 1.8T would be horrendous!! :'(
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I know it seems rotten Revvy - but I think you're taking the sensible route by staying within your limits (I mean financial of course) One day you'll be as old as me, and, they say men always think like they are still 18 yrs old no matter how old they really are - its TRUE, so you will be able to enjoy the car of your choice and be able to insure it properly !! kind regards, yt.
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How old are you red16v?? I'm 30 this year and my insurance is still sh!t, must be living in surrey >:(
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I'm 49 and live next door to you - in Hampshire. Kind regards, yt.
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That explains how you get low insurance then :-*
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As if to illustrate the point. Have any of you been following the story in todays papers about the two young men racing their Golf Gti's getting involved in a truly tragic accident. It appears they were chasing each other nose to tale for quite some time when one of them struck an oncoming motocyclist as he tried to unsuccessfully overtake. The motorcyclist was trapped underneath his burning bike and eventually had both his legs amputated. Can it get anymore tragic?, sadly yes, his pillion passenger, his wife, suffered serious injuries and died as a result - One of the two defendents had gone and had his golf re-chipped that very morning. Of course I do not know, but I doubt he had had time to inform his insurance company - and now he has voided his own insurance and he's on his own. Depending on how the jury decides he is now at least partially responsible for maiming one person and killing that person's young wife. Enough said. Kind regards, yt.
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Yeah i remember that one , not good. All i would say is not all of us drive like complete cocks.
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I meant to say drive like C*CKS.
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I have mentioned this in another topic but I have to spread the word. check out www.tescofinance.com and get an online quote!
I am 26 yrs old, 5 yrs NCB with no convictions, ?150 excess, live in Surrey and they quoted me ?485 for my GT TDI PD150! Marrrrvellous. Interestingly, Tesco car insurance is underwritten by Zurich, but if you go to Zurich's website, they'll quote you almost twice as much! I guess my quote could be lucky, i may just happen to benefit from their schemes, other drivers may not see much difference.
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Thats a sh!t hot car for someone your age 8)
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Well I actually got the quote to see what I WOULD pay. As it is actually a company car, so I have to consider Co2 emissions lest I be stung for lots of tax! With the performance it delivers and the low low emissions, it's the ideal car for me...and believe me, you wouldn't be saying that if you'd driven one, it's a good car for any age, it has loads of potential for tuning for one thing...and the looks on the faces of the V6 4Motion drivers as they try to pull away!
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I'll give ya a race in my vr6 ;)