ECU remapping + EGR delete, insurance status?

norm

norm

norm

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I rang DirectLine to find out how much my premium would increase if I remap the ECU and delete the EGR from it, and they quoted something nominal like £4.50, but it can't exceed 20% performance gain.

Well it's a 1.6 TDCI 90BHP and remaps have quoted figures around 110HP mark which is a touch more than 20%.

But the question is how accurate is that, it's only an estimation by the remapper, the only way of really knowing is to test it on a rolling road?

How would this be challenged in the event of a claim? Is a dyno printout going to be necessary showing the BHP before and after the remap?
 
They'd never know the BHP so it's a stupid statement from Direct Line.

The most they can ask for is a reasonable approximate so if it sounds viable that it won't exceed 20% then just say so.
 
Why is it so cheap? Diesel owners getting vip treatment again :rolleyes: I ran quotes for my ST remapped and it added on average £150-£200 on top of my quotes cos oh I must be a boy racer. But if you remap a tractor it's "oh it's for fuel economy etc" here that's an extra £4 please :mad::p
Remapping adds big gains to diesel's yet the insurance don't treat it the same.
 
Dav4 said:
Why is it so cheap? Diesel owners getting vip treatment again :rolleyes: I ran quotes for my ST remapped and it added on average £150-£200 on top of my quotes cos oh I must be a boy racer. But if you remap a tractor it's "oh it's for fuel economy etc" here that's an extra £4 please :mad::p
Remapping adds big gains to diesel's yet the insurance don't treat it the same.
Click to expand...

Get an insurance company that doesn't mind mods like Greenlight, I declare anything I want and it doesn't cost a penny.
 
Dav4 said:
Why is it so cheap? Diesel owners getting vip treatment again :rolleyes: I ran quotes for my ST remapped and it added on average £150-£200 on top of my quotes cos oh I must be a boy racer. But if you remap a tractor it's "oh it's for fuel economy etc" here that's an extra £4 please :mad::p
Remapping adds big gains to diesel's yet the insurance don't treat it the same.
Click to expand...

My current policy is nearly at an end though, that's probably why it was so little.

I did ask how much at renewal and they estimated it'd be about £50 more.
 
Dav4 said:
Why is it so cheap? Diesel owners getting vip treatment again :rolleyes: I ran quotes for my ST remapped and it added on average £150-£200 on top of my quotes cos oh I must be a boy racer. But if you remap a tractor it's "oh it's for fuel economy etc" here that's an extra £4 please :mad::p
Remapping adds big gains to diesel's yet the insurance don't treat it the same.
Click to expand...

When I declared my remap I informed them it was an economical remap which will improve the mpg of the car whilst improving the feel of the engine along with a slight midrange performance boost that comes with a better functionin engine. Also the mid section exhaust replacement with stainless steel.

They wanted £20 admin fee to alter the details and that was it
 
Diagro said:
When I declared my remap I informed them it was an economical remap which will improve the mpg of the car whilst improving the feel of the engine along with a slight midrange performance boost that comes with a better functionin engine. Also the mid section exhaust replacement with stainless steel.

They wanted £20 admin fee to alter the details and that was it
Click to expand...

I would have expected a reply more along the lines of: "huh???"

As for the remapped diesel vs petrol, it's not true that they are necessarily different.

When I swapped my insurance from the 530d to the ED30, I got back about £85 (with all mods declared). I asked about remapping it, and was pretty much the same as OP. £5 difference so long as under 20%. If over 20%, they wouldn't insure it. That's on a petrol.

Fine, because I was just going to keep it as is just now. And start building parts for stage 2/2+ mapping. Then once I have everything lined up, and I need to renew insurance, I'll look for quotes then.
 
shauncr91 said:
Get an insurance company that doesn't mind mods like Greenlight, I declare anything I want and it doesn't cost a penny.
Click to expand...
All the supposed specialist insurers wouldn't even quote me because it's a ST in a slightly risky postcode. :rolleyes:

Diagro said:
When I declared my remap I informed them it was an economical remap which will improve the mpg of the car whilst improving the feel of the engine along with a slight midrange performance boost that comes with a better functionin engine. Also the mid section exhaust replacement with stainless steel.

They wanted £20 admin fee to alter the details and that was it
Click to expand...
Yes but let's be honest you mapped it for an extra 40bhp performance gain like anyone does but when it's a diesel it's unfair that owners can get away with the old "economy" shout whereas turbo petrol owners get bent over like we're all going to now be a massive risk.
 
My mondeo only went up from £270 for £350 fully comp(36 9yrs ncb), thats with exhaust, big IC, focus rs turbo, intake manifold and loads more all declared 320hp now. (it is a family estate car though)
 
Dav4 said:
All the supposed specialist insurers wouldn't even quote me because it's a ST in a slightly risky postcode. :rolleyes:


Yes but let's be honest you mapped it for an extra 40bhp performance gain like anyone does but when it's a diesel it's unfair that owners can get away with the old "economy" shout whereas turbo petrol owners get bent over like we're all going to now be a massive risk.
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As I said earlier, ~£5 more for remapping my petrol edition 30.
 
Same for me on the Octavia though a little bit more than above - £20 iirc for plus 20℅ Cost for suspension mods £0 under 50mm, cost for induction and or exhaust £0 in most cases

Even the mainstream insurers don't seem to care too much, but they add on a fee for each mod which adds up
 
Having the MP260 on my ST makes zero difference to the premium I currently pay - it would be exactly the same without.

The MR kit is a whole different game though...
 
Something I've wondered... My car is 14 years old now, it has polybushes, invisible but modified air box, smaller supercharger pulley (again stock style so impossible to notice it's different) and a remap... Whats to say this hasn't all been fitted for years and I was none the wiser?
 
NoNameNoNumber said:
Something I've wondered... My car is 14 years old now, it has polybushes, invisible but modified air box, smaller supercharger pulley (again stock style so impossible to notice it's different) and a remap... Whats to say this hasn't all been fitted for years and I was none the wiser?
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Innocent non-disclosure is treated far more leniently then deliberate non-disclosure.

It is ultimately your duty to represent your vehicle accurately to the insurer. Ignorance isn't an excuse. Are you expecting the insurance company to somehow know your vehicle better than you and somehow give the correct quote?
 
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