Engine re-mapping and insurance?

marl

marl

marl

Soldato
Joined
16 Jun 2004
Posts
2,810
Basically, I phoned a re-mapper who said they could do me a re-map which would give about 20% more power with no loss of economy and no stress to engine.

Happy days!

I then think I better check out the insurance. So when I ring my broker they say they would need a written report describing what had been done in order to submit it to the insurance company for a quote.

Ok, so I phone the re-mapper who says not to bother telling the insurance company because the only way they could tell the car had been remapped was by driving it!!! He says apart from that they've no way of finding out. Although he didn't say no, I don't think I'd get a written report from him, and even if I did, I'm wondering what I'd do if the I get a remap and then the insurance company won't accept his report or refuse to insure the car!

So, I'm wondering if this is true and what you guys would suggest.
 
Depending on what kind of remap it is, if its re-writing the original ECU there is no way for them to tell short of plugging in and downloading the map and comparing it to the OEM map... But the car is modded so personally i'd declare it but i have a performance car with other mods already so i may aswell 'throw another one on the pile' so to speak.

Also it will be more stress to the engine, im sure it will cope with the extra strain fine as most do with a basic remap but don't be under the illusion its exactly the same on components as stock when you're putting all those extra stresses through them.
 
Shouldn't have phoned the broker you should have just done it, they're aware of it now. Some insurance companies take note for future reference even if you just enquire.

It's a risk if you don’t tell them but people who keep quiet and just do it seem to get on far better in life, then those who do it by the book.
 
Is it a modification? Then declare it. Simple. Not declaring it is fraud. Not worth the risk is it?

Insurance company should be aware what a remap is to be honest (I have one myself). If they don't know (which will be the person on the phone rather than the insurance company itself) then you can pretty safely compare it to being "chipped".
 
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