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Insuring A Car With A Remapped Engine


gumdrop

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I run a Ford Focus 1. 8 TDi 115bhp, it will tow 1200kg.

The power could do with smoothing out to make it a

really nice drive. Celtic remap for more torque £400

Being an honest sort of bloke I contacted my insurance

company, and advised them of the proposed change

They told me quite catagorically that they would not

insure a car with a tuned engine I pointed out that

the same model came in 89bhp, 115bhp, and 140bhp

using the same engine just different stages of tune.

They were not interested, so I have shelved it for now.

I can only conclude that an awful lot of people are just

not driving legally and know their insurance will be void

if they are caught as a result of an accident.

So who does insure (poor, old, forcibly retired) people like myself?

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I think some insurance company are some vehicles are easyer to insure than other my discovery was remaped and when I informed them it made no difference

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The insurance will not be void in the event of an accident. Third party claims will be covered but any claims for damage to your own vehicle are unlikely to be paid.

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When I looked into this myself it became apparent that many insurance companies are managed by people who have little or no technical knowledge about cars. When you tell them you want to remap the engine to provide a better performance profile for your particular use they see no difference between that and a full race tune.

 

All insurance companies require notification of modifications from factory spec so I suspect you are right in that many cars are not insured as the driver thinks. Even replacing steel wheels with alloys count as a mod despite being exactly the same profile. Some do not allow the use of pattern parts instead of manufacturers originals.

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Hi Gumdrop,

You could take a look at a PowerBox by http://griffinmotortuning. net/ I personally have used one on my Sorento for 3 yrs and now on my Toyota HiLux 3-0 D4D, take a look at the Sorento Owners forum http://kiasorento. pr. ..i?board=Welcome and see what others think. I also fitted a K & N filter and this smoothed the Sorie out, compared to a standard air filter. The beauty of the PowerBox is that you can fit it yourself and take it off at your leasure quiet easily. Catch ya later,indoors.

NB: Insurance companies are owned by people who don't take risks,they employ kids to sell what they want you to have, not what cover you require. On purchasing a minter of a '97 R reg Volvo 945 Celebration a couple of years ago, with one owner, only 26,000 mls on the clock and 13 stamps in the book ( to be used just on sunny days ) I was asked if there were any modificationd on the vehicle, I allowed them to know I had had a towbar t/electrics fitted and the kid said there was no way they could insure the vehicle, and when I asked " HOW MANY 940 VOLVO ESTATES DID HE KNOW THAT DIDN'T HAVE TOWBARS? " he said " I don't know," but still refused to insure me. This was Chris Knott insurance " The prefered insurers for the Volvo Owners Club members ". Load a BXXXXXXS.

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Try Adrian Flux insurance all the modified car clubs use them, you can have any mod you want but it must be listed with them

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Although models of the same car come in larger more powerful engines the braking systems and other systems are uprated to compensate .

 

 

 

 

 

Dave

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Just a point on whether to notify a mod to the insurers and/or removing parts to avoid detection.

 

Taking a car under warranty for service may nor be a problem but. .........

 

in the event of an accident and the car is recovered the owner may not be in a position to remove anything before an insurance assessor inspects the car.

 

And they DO find all sorts of reasons to reduce or even exclude a claim.

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Hi all,

I suggested earlier,the PowerBox unlike a remap can be taken off the vehicle at your leasure quiet easily,it can also be remotely adjusted to suit your driving and for towing. I did not advise users not to inform their insurers of the fitting of one. BTW Most users of the PowerBox have found there is a no cost increase to their insurance policy, depens who you insure with I suppose. I'm now with an insurance company that allows this, yet others won't even allow a tow bar !!!! Catch ya later,indoors.

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Its funny as insurers will try to add to the cost of insurance if you add something they consider a risk but, if you add something that reduces risk they won't reduce the cost. My car didn't come with reverse parking sensors but I have retrofitted the Mg Rover items, when I was renewing I was asked the usual question "have you modified your car?" so I said yes and got the intake of breath before being asked what I had done. I told them and was informed "Oh that doesn't count". When Iasked for a reducution as it was a safety aid they told me "sorry it doesn't work like that" typical we want it our way not yours.

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I'm now with an insurance company that allows this,

Please let us know who this insurer is so others here can benefit.

 

What increase in horsepower does the PowerBox give you and what is the claimed output?

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My car was stolen last year and not recovered. My first claim in 29 years. Mr premium went up 30% even though I had a protected NCD. I decided that after the increase I would a tracker fitted. The insurance went up by an extra £54 because of the tracker. The guy on the insurance help line said as if it was stolen it would cost more to replace because they would have to replace the tracker.

 

Pointless having onme fitted to save money.

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I wanted to get the boot and rear windows tinted on my Mondy Estate, Direct Line wanted to increase my premium by 100 quid - despite higher spec Mondy's coming with this as standard - I told them to take a jump, and will be looking at going elsewhere come renewal time, then I may be able to get my tints.

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It is best to inform your insurers of any changes, even having a towbar fitted (and most of us on here have one of these !) AA was no extra and neither was Saga, but some won't allow this without an increase, best to find another insurer at renewal time if they play this game.

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You needn't bother asking Chris Knott, a straight 20% on top to insure my Mondy 'if' I chipped it, and it's them asking for the extra, not Highway who I'm actual I'm insured with!!, when I asked Flux, they weren't bothered about chipping but still dearer than Knott's so still no good?

 

What made me so mad was it's already 155HP and the chipping takes it to 184HP, in overall speed this means 138MPH goes up to 143MPH, now forgive me, but what difference that make in the real world. .. escapes me !!!

 

And, ALL motorhome engines are chipped, this is to suit the use the basic 'van' engine is put to as a motorhome, I wondered how this might affect insurance if mentioned?... apparently nothing when I drew the comparison as the same as pulling a caravan, but of course, as it was pointed out, I have that 5mph extra when I drive it solo!!!

gary1s.gif

 

Arc Systems are specialist Carver caravan product repairers, committed to providing a comprehensive service as well as spare parts for these popular heaters.

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give these a call they are very competative with modification on cars.

 

Clifton Morley Associates Ltd

 

0208 2980022

KIA SORENTO KX3 2012 Bailey Pageant Limousin SERIES 7 1700 kg

volvo xc70 D5 se

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So what happens when you buy a car 2nd /3rd hand, which has been remaped with out YOU knowing. :blink::rolleyes:

what map have you on your car :)

KIA SORENTO KX3 2012 Bailey Pageant Limousin SERIES 7 1700 kg

volvo xc70 D5 se

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According to a long detailed discussion on a Land Rover forum, ECU's are to be checked under the MOT to make sure they have not been remapped! Nobody is sure how this can be done though!

 

Oh, and you have probably guessed, this is an EEC regulation, to make sure all vehicles are as standard!

2019 Bailey Platinum (640) Phoenix from Chipping Sodbury caravans, towed by our  2017 my Discovery Sport!

 

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According to a long detailed discussion on a Land Rover forum, ECU's are to be checked under the MOT to make sure they have not been remapped! Nobody is sure how this can be done though!

 

Oh, and you have probably guessed, this is an EEC regulation, to make sure all vehicles are as standard!

 

IN the UK ECU's are not checked in the MOT as the MOT test is not an EEC regulated test. Re-mapping does not mean an MOT failure either. The MOT test checks only for Particulate emissions on the diesel test through the metered smoke test.

 

For a definitive answer check here. .. This is the regulations for the MOT test from Jan 1st 2011. No mention of ECU or checking them. It seems there is a lot of rubbish posted up on forums still! Why do people not actually check the regulations supplied by the governement?

 

http://www. dft. gov. uk/vosa/repository/MOT%20Inspection%20Manual. pdf

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Indeed, ECU's won't (and can't) be tested for a remap!

 

Think about main dealer servicing - some cars will have their ECU's flashed with the latest parameters, where as cars serviced at other non franchised dealers won't. A fleet of identical cars could each potentially have different maps.

 

Some dealers also offer 'factory' remaps which do not impact on emissions or warranties - how would these legitimate ones be dealt with?

2021 Swift Sienna Super 4SB

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