Why Don't You Mod?....

[Peskarik]

When I picked up my white swan  the dealer said straight away that they would remap the engine if I wanted to (they are ABT representatives, as well). I mentioned the insurance company, and the dealer said: "no need to mention anything to the insurance company". 

[RedRobin]

It's more important to mention a remap to your insurance company than anything else.

Say a kid runs out and you have no way of avoiding him/her. Although you were within the speed limit etc, he's killed. But it's clearly not your fault. However, you didn't inform your insurer of your remap. You could then find yourself in very serious trouble: The police as standard procedure in a fatality may impound your car and inspect it very thoroughly. if your undeclared remap is discovered your insurance could become null and void. You could be facing some very major claims.

[Peskarik]

It's more important to mention a remap to your insurance company than anything else.

Say a kid runs out and you have no way of avoiding him/her. Although you were within the speed limit etc, he's killed. But it's clearly not your fault. However, you didn't inform your insurer of your remap. You could then find yourself in very serious trouble: The police as standard procedure in a fatality may impound your car and inspect it very thoroughly. if your undeclared remap is discovered your insurance could become null and void. You could be facing some very major claims.

it's all about risk-return trade-offs and probabilities: do I declare remap to insurance firm and suffer immediate and continuous stream of higher insurance costs or do I take my chances. I haven't decided so far.

[Hurdy]

It's more important to mention a remap to your insurance company than anything else.

Say a kid runs out and you have no way of avoiding him/her. Although you were within the speed limit etc, he's killed. But it's clearly not your fault. However, you didn't inform your insurer of your remap. You could then find yourself in very serious trouble: The police as standard procedure in a fatality may impound your car and inspect it very thoroughly. if your undeclared remap is discovered your insurance could become null and void. You could be facing some very major claims.

I agree you would be facing a major claim. However (and not taking any sides here!), the insurance company would still be legally obliged to cover the third party side of any claim. Fully comp. is a different matter

[RedRobin]

....Yes, I guessed my example might not be 100% accurate but it's just to illustrate a real possibility of what might happen if you keep information from your insurer. Any premium savings could potentially fade into utter insignificance if things went pear shaped. Personally I find it very difficult for anyone to justify hiding a mod from either their insurer or dealer/garage. To me it's a no-brainer!

On the subject of mods (what this thread is about) I have discussed in detail every mod I've thought of doing with both dealer and insurer before doing it.

[k4ith]

I always declare everything to my insurer as well as taking a like for like policy, Green light & Ad Flux look kindly to modified cars.

[Mk1Mad J - 16v]

It's more important to mention a remap to your insurance company than anything else.

Say a kid runs out and you have no way of avoiding him/her. Although you were within the speed limit etc, he's killed. But it's clearly not your fault. However, you didn't inform your insurer of your remap. You could then find yourself in very serious trouble: The police as standard procedure in a fatality may impound your car and inspect it very thoroughly. if your undeclared remap is discovered your insurance could become null and void. You could be facing some very major claims.

Wise words them... A friend of mine fell foul to something similar which ended with him loosing his job, his car was impounded for 6 months and one failed suicide attempt (well glad he failed that )

Driving down the road happily minding his own business when a Civic TypeR pulls out on him, mate pulls round the slow moving car only to be overtaken 20 seconds later by same Civic.  2 mins down the road my mate comes round a bend to find an accident, civic had killed some old lady - several witnesses claimed my mate was racing the Civic (which didn't stop) police popped round to his house in the middle of the night, arrested him and his car was impounded for 6 months, during which time my mate was on police bail for causing death by dangerous driving, he lost his job as he couldn't drive anywhere (painter& decorator) and the stress & worry of going to prison, coupled with not being able to pay the bills etc... was too much for him to bear.


Fortunately the civic driver was found, went to court and my mate was cleared by the jury, but Imagine how much worse it could have been if his insurance was voided for not declaring something.

[Rhyso]

It's more important to mention a remap to your insurance company than anything else.

Say a kid runs out and you have no way of avoiding him/her. Although you were within the speed limit etc, he's killed. But it's clearly not your fault. However, you didn't inform your insurer of your remap. You could then find yourself in very serious trouble: The police as standard procedure in a fatality may impound your car and inspect it very thoroughly. if your undeclared remap is discovered your insurance could become null and void. You could be facing some very major claims.

Wise words them... A friend of mine fell foul to something similar which ended with him loosing his job, his car was impounded for 6 months and one failed suicide attempt (well glad he failed that )

Driving down the road happily minding his own business when a Civic TypeR pulls out on him, mate pulls round the slow moving car only to be overtaken 20 seconds later by same Civic.  2 mins down the road my mate comes round a bend to find an accident, civic had killed some old lady - several witnesses claimed my mate was racing the Civic (which didn't stop) police popped round to his house in the middle of the night, arrested him and his car was impounded for 6 months, during which time my mate was on police bail for causing death by dangerous driving, he lost his job as he couldn't drive anywhere (painter& decorator) and the stress & worry of going to prison, coupled with not being able to pay the bills etc... was too much for him to bear.


Fortunately the civic driver was found, went to court and my mate was cleared by the jury, but Imagine how much worse it could have been if his insurance was voided for not declaring something.

i remember you posting that end of last year / beginning of this year; what a terrible time for your mate!! Glad they caught the scum that actually caused the accident doesn't give your mate his life back so easily though 

Declaring mods should be a given; for the extra price you pay in your insurance (or not depending if you shop around) gives you complete peace of mind should anything happen to your pride and joy and if you've just shelled out 20K plus on a car then you should be able to afford the insurance!!

[AlanD]

Not saying you should, but if your third party then you can aget way with pretty much anything as they dont give too hoots about your car. I have had several friends who have crashed their cars into other people and only been 3rd party. Insurance company didnt bother looking at their car. Could have had anything under the hood.