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Model specific boards => Golf mk5 => Topic started by: Jimmymature on 11 December 2010, 20:52

Title: Re mapping & Insurance
Post by: Jimmymature on 11 December 2010, 20:52: Hi guys, do what is your experience with the insurance companies when you ring to advise of a tuning modification or is it simply a case of keeping it on the quiet and hoping you get get caught when accident etc?

If you do update them what happened to your premiums?

Thanks in advance.

Jim
Title: Re: Re mapping & Insurance
Post by: AlanEdition30 on 11 December 2010, 22:07: i would say alot of insurance companies will simply refuse to take on a modded car, or increase the price by £1000's, however there are a few companies who are more modding friendly, the two i know of are greenlight and adrian flux.

I think its best to declare all mods if possible as insurance companies will try and find any excuse to not have to pay out, just my opinion of course. :smiley:
Title: Re: Re mapping & Insurance
Post by: Wayne on 12 December 2010, 00:07: Always declare mods, your a mug if you don't
Title: Re: Re mapping & Insurance
Post by: Steve30 on 12 December 2010, 12:41: Your not insured if you dont declair the modification to your engine simples really :cool:
Title: Re: Re mapping & Insurance
Post by: Jimmymature on 12 December 2010, 14:35: Quote from: Steve30 on 12 December 2010, 12:41
Your not insured if you dont declair the modification to your engine simples really :cool:

Yeah I get that, my question really is about what do they normally charge for the changes?
Title: Re: Re mapping & Insurance
Post by: mick ov mids on 12 December 2010, 14:39: it's impossible to say what an insurance company will charge for mod's as all company's charge different price's, id ring your insurance for a quote on diffrent mod's before actually going ahead with them, declairing mod's is a must as if some arsehole smash's into you i garantee your insurance will use your undeclared mod's as a way of getting out of paying out,hope this help's?

mick
Title: Re: Re mapping & Insurance
Post by: DMcG on 12 December 2010, 18:38: On my previous VRS with stage 1, intake, forge dv arbs and poly bushes I think it went up just over £100
Title: Re: Re mapping & Insurance
Post by: Jimmymature on 13 December 2010, 22:28: Thanks for the advice guys
Title: Re: Re mapping & Insurance
Post by: stealthwolf on 13 December 2010, 22:46: Depends. With directline, any mods were a no-no.

With a modfriendly insurer, I pay no premiums for any cosmetic/safety mods (eg brakes, ARBs, tinted windows etc) but a premium for performance upgrades. Mine charged me £50 for stage 1 remap. £20 admin every time I ring up to add a mod.
Title: Re: Re mapping & Insurance
Post by: AlanD on 17 December 2010, 18:18: Greenlight are pretty good and are a forum sponsor, I used to be with them. I lost the ability to be with Greenlight and am now with Bell who were happy to take me on with mods.
Title: Re: Re mapping & Insurance
Post by: bobbarley on 18 December 2010, 21:13: Brentacre are very very reasonable. I pay about £100 extra a year for any mods as long as I don't exceed 200bhp :smiley: