GolfGTIforum.co.uk
General => General discussion => Topic started by: jnufcuk on 22 August 2011, 16:26
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Hi i think the time is right to think about getting a remap :smiley:
The only thing i am worried about is whether or not to tell the insurance :undecided:
On one hand i want to tell them just in case anthing happens but on the other hand people say there is no real way of telling that you have had a remap :evil:
Help please? (with elephant, 21, 1ync, so would prob bum rape me for any mods :grin:)
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Hi i think the time is right to think about getting a remap :smiley:
The only thing i am worried about is whether or not to tell the insurance :undecided:
On one hand i want to tell them just in case anthing happens but on the other hand people say there is no real way of telling that you have had a remap :evil:
Help please? (with elephant, 21, 1ync, so would prob bum rape me for any mods :grin:)
You modify your car, you tell your insurance. If you can't afford it, you don't do it. Simple.
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Hi i think the time is right to think about getting a remap :smiley:
The only thing i am worried about is whether or not to tell the insurance :undecided:
On one hand i want to tell them just in case anthing happens but on the other hand people say there is no real way of telling that you have had a remap :evil:
Help please? (with elephant, 21, 1ync, so would prob bum rape me for any mods :grin:)
You modify your car, you tell your insurance. If you can't afford it, you don't do it. Simple.
Fair do's :smiley: will email them now see what they say.
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Oh Shaun, straight to the point. Love it.
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If you invalidate your insurance by not notifying them of a mod, that means you're no better than pikey sc*m who drive dodgy cars around without MOT or insurance. And it means if you have an accident, the other person won't get a payout from your insurance company.
How would you like it if another driver hit you, you expected a payout to fix/replace your car, but their insurance wouldn't payout cos they'd modded the car but not told them?
You'd be fuming.
If you can't afford the insurance, you can't afford the mod.
Man up, pay up and pay the full cost of the mod.
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If your not going to tell them then don't do it.
Simple :smiley:
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i wasnt going to do it the only reason i mentioned it is that when i mentioned a remap a while ago people said 'oh just dont tell them about the remap as the insurance company cant tell whether or not your car has one' thats why it got me thinking.
I wouldnt do it with any other mod like wheels etc etc as like you said if it was the other way round then iwould be pi$$ed :angry:
Ive emailed the insurance company to ask how much it is to add it on, not sure what there response will be :tongue:
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the insurance company can't tell if your ecu is mapped... but the people they send the ECU to if you cause an accident most certainly will be able to.
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might as well send the tax back as well for full pikey effect. :grin:
my insurance only want 90 quid for me to remap the passat (probably as they're raping on the policy in the first place)
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You must know that it would invalidate your insurance lol If ya do crash just make sure your try and destroy the ecu.lol
You'd be a gutted if you didnt know your car had a little economy map on it lol, I doubt youd ever get caught but thats my view.
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personally i wouldnt do it, but i know people who have. equally i know people who have done loads of mods to a car and have the car declared as standard.
pointless imo as there argument is "im paying 1500 to insure it i cant afford to pay an extra £300 for all the mods" so basically youve wasted 1500 on insurance that isnt even insuring you :rolleyes:
personal preference really, i know two people who have had maps and one crashed his car and the insurance company paid out and didnt scan the ecu and the other hit a wall at relatively low speed and again the insurance company paid for the damage to his car and the wall as they didnt scan the ecu.
so not all companies scan ecu's but to not declare it is playing insurance russian rulette, youle never know if there gonna scan it or not untill its too late.
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Thats true lol if its not much more anyway. Surely it'd cost the insurance companies loads to keep sending away ecu's that may not have had a remap, so probably only check it on a heavily modified car?
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An interesting point is what if you buy a car that has been remapped and you're not aware of it?
What would happen in an event of an accident?
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An interesting point is what if you buy a car that has been remapped and you're not aware of it?
What would happen in an event of an accident?
Your screwed I think, unless you can prove it was done before you got it.
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might as well send the tax back as well for full pikey effect. :grin:
posts like this are whats killing the scene off :rolleyes:
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:kiss:
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:laugh: :laugh: :laugh:
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an insurance company would not ask for your ecu, and what bout ppl that buy a car thats mapped and don't have a clue.
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and what bout ppl that buy a car thats mapped and don't have a clue.
I think i just said that :grin:
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and what bout ppl that buy a car thats mapped and don't have a clue.
I think i just said that :grin:
You did :smiley:
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I've always wondered where you would stand if you bought a remapped car without realising it and then had a crash?
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Had several modified customers cars non declared and if we deal with the claim it doesnt get noted but a couple that have their own insurance assessors come to our work have come unstuck.
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Surely you can only declare any mods that you have the knowledge of?
When you start a new policy as long as you don't know about it then you are being truthful so you are covered? :grin:
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I had a similar dilemma to the OP when renewing my insurance last year. An uprated Cam on my mk2 was pushing up an already rising premium, which annoyed me greatly having never made a claim in years of insuring one or two vehicles.
In the end I decided my concience would bother me and that I would always be worried if I didnt declare everything, including parts that would require engine stripping to be discovered. After an afternoon of ringing round insurers I ended up with a better price, and was happy enough (went from Adrian Flux to Sky insurance).
So as has already been said, it really has to be viewed as part of the cost of mods. What I did start to consider was if its adding so much to insurance, would I just be better off buying a 'faster' standard car, Insted of spending money on my mk2....?
That thought soon faded on the next fully insured blast around the back roads! :evil:
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Ye I will as knowing my luck if anything did happen they would prob scan the ecu lol
If it's going to cost too much money will wait a few more months if nkt wait till I have to renew next year.
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Hi i think the time is right to think about getting a remap :smiley:
The only thing i am worried about is whether or not to tell the insurance :undecided:
Remap? Nah, they'd never know.
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Well turns out that they dont cover remaps chips thst increase bhp by 25% or more. Looks like I'll be waiting till next year. Oh well.
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Well turns out that they dont cover remaps chips thst increase bhp by 25% or more. Looks like I'll not be telling them then.
Good lad.
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cheeky git lol, you'll get me in trouble if people just read that :grin:
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School boy error. Congratulations for announcing you're going to commit an offense on a public forum. :rolleyes:
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Don't declare it and you will be a cnut of the highest order. Oh and subject to reporting to the police.
Have a nice day.
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Effin do gooders :rolleyes:
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I didn't write that. That's y I'm calling ant a cheeky got cos he quoted me then changedthe words. Sneaky to say the least. I have no intention of getting it remapped without thecsr being fully insured as the insurance/ police etc would love someone my age doing something like that. And don't fancy being bum raped in prison :grin:
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I realise this. I would also hope you have more intelligence, which it sounds like you do.
Unfortunately, some contributors are not blessed with so much.
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I realise this. I would also hope you have more intelligence, which it sounds like you do.
Unfortunately, some contributors are not blessed with so much.
I'll take that as a compliment lol :wink: I wouldnt want to risk it, would constantly be going through my head "if I crash/ someone crashes into me will they find out" and tbh it's just not worth it. Only need to wait a other 9/10 months so might as well save up, make sure the car is running spot on then when time comes to renew I can look around.