GolfGTIforum.co.uk
Model specific boards => Golf mk6 => Topic started by: Buck on 01 November 2011, 17:42
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Hi
My GTD is now back :cool: and I'm not deterred from exploring a remap on the car but was interested to see what impact remaps had on your insurance and who you go with?
I need to ring mine up but thought I'd do a bit of research first as well as proving interesting (hopefully) reading!
I insure my un-remapped car via Adelaide Insurance in Belfast as I get a nice discount for being an IAM member - hopefully they will be mod friendly....
What increase in premium (if any) did you get when you remapped, what price do you pay per year and who do you insure with?
(I'll post my details up when I get home as I can't remember what I pay!!!!)
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Hi
My GTD is now back :cool: and I'm not deterred from exploring a remap on the car but was interested to see what impact remaps had on your insurance and who you go with?
I need to ring mine up but thought I'd do a bit of research first as well as proving interesting (hopefully) reading!
I insure my un-remapped car via Adelaide Insurance in Belfast as I get a nice discount for being an IAM member - hopefully they will be mod friendly....
What increase in premium (if any) did you get when you remapped, what price do you pay per year and who do you insure with?
(I'll post my details up when I get home as I can't remember what I pay!!!!)
I've been told by Admiral that when I get mine done it will add approx. £100 onto the annual premium. I currently pay £450 for the year.
Jim
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£100 is a damn rip off! i would have thought £25-£50 was fair but thats a p!ss take
i need to speak to my insurer about this also. I'm with volkswagens own insurance as it was by far the best policy i could find and was only a few quid more than comparison site quotes.
not sure how VW insurance will be about any future modifications?
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My current insurance is £331 - part of the benefit of being 40+
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My current insurance is £331 - part of the benefit of being 40+
Who are you with? Im 38 and just reinsured for £445.
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Its a difficult question to answer as insurance is based on so many things and it depends who you are with
Typical increases tend to be between 5-10% :undecided:
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thing is many insurers won't touch them as they don't know there arse from there elbow....
(I work for a major insurer and see it everyday!! My work won't cover me for the very odd track day on my life cover as they think that I'm in F1!! The Fools!)
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My current insurance is £331 - part of the benefit of being 40+
Who are you with? Im 38 and just reinsured for £445.
My insurance is with KGM at Lloyds via Adelaide Insurance Brokers based in Belfast
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I paid £319.38 last December with Esure and thats with full NCD and its protected and one named driver but I'm 55 with a clean license at the moment, mines not chipped yet.
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mine added around £100. until it came to renewal time where they refused to renew my policy and even after removal if the map wanted to charge me £2800
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how would the insurance company tell if it was remapped though?
i can't see them looking that much into it or going to the effort of scanning the ECU etc to be honest.
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how would the insurance company tell if it was remapped though?
i can't see them looking that much into it or going to the effort of scanning the ECU etc to be honest.
It's only ever going to come to light if you have a bad accident....when you need it the most!
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maybe.
personally i can't see the estimator going to the compound with a vagcom machine to check the ecu flash counter etc.
best to be safe than sorry i suppose but i doubt they would ever check
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mine added around £100. until it came to renewal time where they refused to renew my policy and even after removal if the map wanted to charge me £2800
Why was that ? Had you had an accident
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I wont disclose how much my insurance is (some of you will have heart attacks) but they wanted an extra £200 for my remap.
This is with some company that I have never heard of or can remember lol. I went through a specialist broker who found them for me.
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mine added around £100. until it came to renewal time where they refused to renew my policy and even after removal if the map wanted to charge me £2800
Why was that ? Had you had an accident
No. I was told they just stopped insuring moddifed cars. I tried to phone them and tell them the map could be removed but the agent on the phone said no matter what I did the cheapest they would insure me for was the £2800 quoted.
So I went to a comparison site, only to find a new policy would cost me approx £700 with.... wait for it....... yes the same company :laugh:
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I'm with Greenlight, no extra charge, just noted on the policy.
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i phoned my insurance today about this and they didn't have a clue what i was talking about when i mentioned remap etc
she wanted to know the value of the remap and i was trying to explain its not a physical accessory that i would want replacing in an accident but a software update.
they didn't seem bothered either way
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As long as its noted down then youll be covered. If they dont even know what a remap is then the chances of them even looking for one are even more remote.
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I inquired with my company (esure) about the extra charge for a re-map and they said " What's that then?" :rolleyes:
I can't possibly be the first customer to ask!!
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No. I was told they just stopped insuring moddifed cars. I tried to phone them and tell them the map could be removed but the agent on the phone said no matter what I did the cheapest they would insure me for was the £2800 quoted.
So I went to a comparison site, only to find a new policy would cost me approx £700 with.... wait for it....... yes the same company :laugh:
That's the madness of a lot of things these days - they reward new customers with large discounts whilst just trying to find ways of wringing every penny out of their existing customers thinking that they don't have the nouse to go elsewhere
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I am paying £297 less with a modified policy (Brentacre) against the standard policy which was with Swinton.
And it is always worth telling them about every mod done to the car.
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Greenlight.
Stg 2 ed30 £290... :cool:
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These cheap insurance companys really depend on what area you are living in UK , Greeen light wanted a grand to insure me with clean licence 10 NCD !!
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These cheap insurance companys really depend on what area you are living in UK , Greeen light wanted a grand to insure me with clean licence 10 NCD !!
You also need to check the small print too :afro:
What may seem a good deal may be lacking critical cover or extras which when you add them back on make the cheaper insurance as expensive as the other quotes :nerd:
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cheap policies aren't always the way forward IMO.
i used to always just buy the cheapest but now i try and get the best policy for the best price.
i had to claim over my bike insurance and when it came to it the cheapest policy i found and bought was a load of rubbish.
thats why i went with VW insurance on my golf as it was a brilliant policy and about the same £ anyway
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I had just joined Greelight when My GTI was stolen..Only been with them for 2 months.Hassle free,courtesy car within 24hrs and settled after 4 weeks of my loss.Highly rate them for a cheaper insurer.
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My insurance highwayman bumped my premium up by £75 and at just over £1k is already ridiculous for London.
If you go for modifications, have a look at sites like confused.com as the modifications list that are detailed under their form are standard and will give you an expectation of what the person in the call centre is likely to be asking. They'll probably tick the box that says 'increased power output' and then choose the percentage increase. I insisted that the person actually attach a note to my file stating that it was a removable Superchips Bluefin ECU mod. I phoned back the next day to check it was recorded on file.
Talk to a specialist broker as well, I remember trying to get multi-car sorted out with my current provider so I didn't lose a year of NCB by moving away. The car is a Cayman R and you try explaining what Sport Chrono is or any options that you have outfitted, it was like explaining neuroscience to a toddler. It's sometimes easier to just say that the car is stock from factory but stock in their eyes is no options and that includes alloys, bi-xenons and so forth so if you do select options and they are factory fitted, just make sure they know.
My advice is to not give them an excuse to screw you out of a claim. I ended up emailing my factory order for the Cayman to the broker to ensure that there was no issue with disclosure or the specification and it was fine. Happy to give you the details of the broker I use, he got a decent deal for me on both cars through AVIVA.
I say 'decent deal' with a hint of irony as I pay around £2k a year for 2 cars. Admittedly, in their eyes, I have only had a licence for 4 years (they would not accept my foreign licence without a huge added premium).
cheers
Alex
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+1 for using a broker. Used one for myself and saved a small fortune on the deal they got for me.
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+1 for using a broker. Used one for myself and saved a small fortune on the deal they got for me.
It depends if you have the time to shop around yourself or not.
My dad has been selling insurance for over 40 years and he said the last 2 -3 years have been really tough as more and more insurance companies want people to deal directly with them. Zurich is a prime example as they've virtually withdrawn all their discounts they offer to their brokers
Luckily for my dad he's retiring next year and just in time as he reckons brokers (mainstream ones possibly) are very much in the decline :sad:
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It would be interesting to see with everyone's figures above what is actually covered... and how many years NCB are included.
I have 75% NCB with discount protection for life, legal protection, personal injury benefit, 1 named driver and pay just over £458.
That's Fully Comp (of course!) but am not allowed to drive anyone else's car under this policy, which is a shame, perhaps they don't trust me eh?
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We started a thread a while back :smiley:
http://www.golfgtiforum.co.uk/index.php?topic=29360.0
Covers most makes of Golfs.
Insurance is a funny game though as its very rare someone will get the same quote as another person
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Insurance is a funny game though as its very rare someone will get the same quote as another person
That's because they make it up as they go along :lipsrsealed:
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We started a thread a while back :smiley:
http://www.golfgtiforum.co.uk/index.php?topic=29360.0
Covers most makes of Golfs.
Insurance is a funny game though as its very rare someone will get the same quote as another person
Jesus! couldn't afford some of those prices!! :shocked:
Personally I think this thread is still relevant as it (almost) compares like for like cos' it's in the MK VI section.
S'funny how sometimes the in's company can 'forget' you. Several times over my driving life I've found that my company (different ones at different times) is no longer taking the direct debit from my account and I have been driving for several months without cover!! I go back to them and inquire and they have no record of my cover and then have to re-quote me at a much higher price than before. When Privilege did this to me a few years back I had luckily kept the original quote which I had to fax back to a grumpy manager cos' it was far cheaper than the new one.... Makes you wonder eh?!
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Theres nothing to wonder, they are money grabbing cvnts who legally get away with robbery, its a joke the insurance system.
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My current insurance is £331 - part of the benefit of being 40+
I'm 40+ but couldn't find anything as cheap as that, mine is about £375. I assume you've taken a large excess to reduce the premium? My excess is only £100.
[Btw, I live in a low risk area and car is garaged]
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Hi Rick
No. My excess I think is £100 - if not it is a maximum of £150 (don't like high excesses!). 7 years NCD.
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Hi Rick
No. My excess I think is £100 - if not it is a maximum of £150 (don't like high excesses!). 7 years NCD.
Hello Buck,
I don't like high excesses either, also have 7 years NCD. Got my insurance with SAGA after being with VW, who increased the premium by £110 for no apparent reason so I switched. Didn't do extensive price comparison checks but SAGA were the cheapest I found.
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My advice is stay away from those price comparison sites or you will be ripped off. I went with direct line who are not on any of those sites and are much cheeper, money grabbing twits wanted 1100 quid , 800, 700,even VW wanted 650 after bit of bargaining they said we can knock 50 pound off it. Then I thought I will try one more time Direct line and got it for 360 with 10 yrs NCD also they cover the non insured arseholes driving around and there's over a million of them on the road + what about all these foreign cars on overseas plates are they insured are they fu*k , when I see one of them I put into sport mode to get passed them quickly :rolleyes:
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like some others have mentioned i too have a policy that covers all modifications. adding new mods costs nothing and because i have a policy with HIC i just pm them on here and they call me back, so i don't even have to pay for the phone call :grin:
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I paid £319.38 last December with Esure and thats with full NCD and its protected and one named driver but I'm 55 with a clean license at the moment, mines not chipped yet.
I've just renewed my insurance for the following year and its now £320.24 so its gone up by less than £1.
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I paid £319.38 last December with Esure and thats with full NCD and its protected and one named driver but I'm 55 with a clean license at the moment, mines not chipped yet.
I've just renewed my insurance for the following year and its now £320.24 so its gone up by less than £1.
That's good news
Did you ask them if remapping was allowed/affected the policy?
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I paid £319.38 last December with Esure and thats with full NCD and its protected and one named driver but I'm 55 with a clean license at the moment, mines not chipped yet.
I've just renewed my insurance for the following year and its now £320.24 so its gone up by less than £1.
Your about 70 yrs of age though Keith :laugh:
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Is Keith's car remapped?
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No I didn't ask how much more if its remapped I will enquire about that when I have it done.
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No I didn't ask how much more if its remapped I will enquire about that when I have it done.
I'm getting Revo'd in two weeks in their Christmas sale so I'll let you know how much I get quoted when I ring up to let them know.
Jim
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Holy sh1t!
Just got quote for my car mapped and the price is a whopping £720 for the year!!!!
A girl from eSure just said when i asked her why everyone is quoting me so much she said "not being funny but it's a boy racers car, all the kids want to steal it" :laugh:
Oh well, what can you do.....
Jim
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Doc remapped my GTD just a couple of weeks ago and the insurance charged me an extra £90.
The insurance renews in August next year.
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I really don't know too much about remapping apart from adding more speed.
Long term dose it wear the engine more ? Would someone be so kind to post the pluses and the minuses.
Also dose it affect the warranty and is their a remap VW recommend.
Thanks for any info.
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I really don't know too much about remapping apart from adding more speed.
Long term dose it wear the engine more ? Would someone be so kind to post the pluses and the minuses.
Also dose it affect the warranty and is their a remap VW recommend.
Thanks for any info.
There is loads of information about remapping, both pro and con on the internet. Most remappers will have a reasonable amount of information on remapping on their websites too. This will give you an insight into what it involves.
I'll quickly run through some of the major changes on a turbo car: Increased turbo boost, increased fuelling inder load and optimised fuel and ignition timing (well, no ignition timing on a Diesel but more emphasis on the fuelling there).
Does it wear the engine more? Yes, if you drive it hard a lot.
Does it affect the warranty? Naturally; you're putting third party software into your ECU. Is there one VW recommend? No. VW Racing have semi official support with a third party stand alone warranty. In Germany Oettinger used to have a semi-official status, I'm not sure if that still stands and won't be recognised by VW UK anyway. So no. But many dealers won't dig too far unless they think they have reason to.
The most noticeable and most useful benefit of remapping is the increased mid range performance, it really brings the car alive and sharpens up the throttle response. Fifth and Sixth gear acceleration is much improved and you will often find fuel economy slightly improves if you don't drive like you've got a company car BMW all the time (ie. a tw@t)
I've had at least eight or nine remaps on my previous cars and not had any problems so far. Mind you I don't tend to keep my cars that long or drive that hard. It's all about the vastly improved mid range response for me.