Insurance Question

Zeebedy · 4 Apr 2022 at 15:48

Hey guys,

Quick question..qhen I get my next car, I'm looking at doing a remap on the engine, I have done quotes on Go Compare and declaring the "chip / engine management" mod, the prices are OK, but what I want to know is..

On the website of a tuner near me, there are different "stages" for some cars, so, would it not mater weather it was S1 - S2 - S3?? Im guessing that the insurance say it generalised? i.e. same price and policy in any stage re-map??

Cheers.

teenwolf · 4 Apr 2022 at 15:51

i have mapped most cars and not said a word in the 20 years, 2 have been written off and no questions

Dempsey22 · 4 Apr 2022 at 15:53

Id say it's just generalised. When I declared the mods on the supra they didn't ask me what size turbo or how much nitrous.

On something like a remap, I can't see the insurance ever looking into it if the car was crashed. I doubt they be asking for the ECU to perform checks on it etc.

Temujin · 4 Apr 2022 at 15:57

Isn't there normally a power increase percentage option when choosing remap as an option?

Zeebedy · 4 Apr 2022 at 15:57

Right, so basically, if there was any insurance claims, the chance of it is slim?? I might not bother then, save a few quid, as a remap is the ONLY mod im doing..

Zeebedy · 4 Apr 2022 at 15:58

Temujin said:
Isn't there normally a power increase percentage option when choosing remap as an option?

Yeah, there were Stages and each one upped the HP and the Torque stats.

teenwolf · 4 Apr 2022 at 15:58

i have never experienced a insurer checking

Zeebedy · 4 Apr 2022 at 15:58

Plus, hopefully it will be more "efficient" save a little on the petrol, would be nice..

Temujin · 4 Apr 2022 at 16:00

Zeebedy said:
Yeah, there were Stages and each one upped the HP and the Torque stats.

No i mean for the insurance. When i've done quotes they say up to 10% increase, up to 25% etc.

Zeebedy · 4 Apr 2022 at 16:02

Temujin said:
No i mean for the insurance. When i've done quotes they say up to 10% increase, up to 25% etc.

On Go Compare, it just gives a list of different mods, and one is "Chipped / Engine Management".

Chris1712 · 4 Apr 2022 at 16:14

It's done in bands of percentage gain IME. Usually up to 10%, 10-20%, 20%+ for example.

ChocAndGray · 4 Apr 2022 at 19:29

Zeebedy said:
Hey guys,

Quick question..qhen I get my next car, I'm looking at doing a remap on the engine, I have done quotes on Go Compare and declaring the "chip / engine management" mod, the prices are OK, but what I want to know is..

On the website of a tuner near me, there are different "stages" for some cars, so, would it not mater weather it was S1 - S2 - S3?? Im guessing that the insurance say it generalised? i.e. same price and policy in any stage re-map??

Cheers.

The thing to take into consideration is the "stages" consist of other hardware upgrades, so if you went stage 2 on a car it would be more than a remap you would need to declare, as stage 2 is normally exhaust and intercooler for example.

Stage 1 is normally just the remap, perhaps an air filter.

Stage 3 is normally a hybrid (or big) turbo on top of the other bolt on mods, and at that point depending on the car you'd have a massive power increase and most mainstream insurers on the comparison websites wouldn't touch you.

Admiral group do tend to be mod friendly but it's not like for like replacements, so if you crash you're covered but they wouldn't replace your parts with the same parts.

ShiWarrior · 4 Apr 2022 at 19:39

call Adrian Flux and ask them
They are a Modified Car insurance company and very good

https://www.adrianflux.co.uk/modified/