re mapping / chipping of a car - Page 4 - boards.ie
Boards.ie uses cookies. By continuing to browse this site you are agreeing to our use of cookies. Click here to find out more x
Post Reply  
 
 
Thread Tools Search this Thread
19-08-2011, 13:59   #46
Henry Ford III
Registered User
 
Henry Ford III's Avatar
 
Join Date: Jan 2006
Posts: 9,824
Quote:
Originally Posted by MugMugs View Post
Zurich are generally re map friendly but looking above that may have changed.
How does that tally with your 40% figure though?
Henry Ford III is offline  
Advertisement
19-08-2011, 14:02   #47
MugMugs
sguMguM
 
MugMugs's Avatar
 
Join Date: Feb 2007
Location: Dark Side of the moon
Posts: 13,517
Quote:
Originally Posted by Henry Ford III View Post
How does that tally with your 40% figure though?
I dont see the relevance between that quote and query Henry ? What do you mean how does the 40% tally with Zurich being the most re-map friendly Insurer ?
MugMugs is offline  
19-08-2011, 14:04   #48
Henry Ford III
Registered User
 
Henry Ford III's Avatar
 
Join Date: Jan 2006
Posts: 9,824
Quote:
Originally Posted by MugMugs View Post
I dont see the relevance between that quote and query Henry ? What do you mean how does the 40% tally with Zurich being the most re-map friendly Insurer ?
Correct me if I'm wrong but didn't you say that below 40% power increase made no difference to premiums?
Henry Ford III is offline  
19-08-2011, 14:07   #49
MugMugs
sguMguM
 
MugMugs's Avatar
 
Join Date: Feb 2007
Location: Dark Side of the moon
Posts: 13,517
Quote:
Originally Posted by Henry Ford III View Post
Correct me if I'm wrong but didn't you say that below 40% power increase made no difference to premiums?

Aha, No. I meant 40% premium difference.

MugMugs declares his vehicle as being registered in Dublin when in fact it lives in North Louth. Insurer looks at this and wont cancel if there is not a 40% premium difference between the risk addresses.

DId I say power ?
MugMugs is offline  
19-08-2011, 14:08   #50
Henry Ford III
Registered User
 
Henry Ford III's Avatar
 
Join Date: Jan 2006
Posts: 9,824
Quote:
Originally Posted by Henry Ford III View Post
Quote:
Originally Posted by MugMugs View Post
It is.You could also be treated as driving uninsured.

Can only be seen as Non Disclosure if the premium would have been effected by 40% or more though.

OP - If you re map your vehicle then inform your insurer. If not for yourself then for me should you come ploughing around a corner and take me out of it. I'd like to be re instated promptly and not have to wait for Indemnity checks which could have been avoided.
Is the 40% you refer to above company specific MugMugs?

I'd have thought way less maybe 20% would be a material change in engine power.
40% under the Consumer Protection Code. Over this they can avoid the policy, honour TP claims and recover from the insured. I only know that as I had to learn the CPC during a recent Audit.
Henry Ford III is offline  
Advertisement
19-08-2011, 14:09   #51
Henry Ford III
Registered User
 
Henry Ford III's Avatar
 
Join Date: Jan 2006
Posts: 9,824
This is getting a tad confusing.
Henry Ford III is offline  
19-08-2011, 14:11   #52
MugMugs
sguMguM
 
MugMugs's Avatar
 
Join Date: Feb 2007
Location: Dark Side of the moon
Posts: 13,517
Quote:
Originally Posted by Henry Ford III View Post
This is getting a tad confusing.
Tis

an only be seen as Non Disclosure if the premium would have been effected by 40% or more though.


Apologies if I led you or the OP to believe power. :/
MugMugs is offline  
19-08-2011, 14:15   #53
Henry Ford III
Registered User
 
Henry Ford III's Avatar
 
Join Date: Jan 2006
Posts: 9,824
Got it now

The poster who upped power by 25% but got hit with a 50% premium increase could have had a claim refused then, had they not disclosed.
Henry Ford III is offline  
Thanks from:
19-08-2011, 14:16   #54
MugMugs
sguMguM
 
MugMugs's Avatar
 
Join Date: Feb 2007
Location: Dark Side of the moon
Posts: 13,517
Quote:
Originally Posted by Henry Ford III View Post
Got it now

The poster who upped power by 25% but got hit with a 50% premium increase could have had a claim refused then, had they not disclosed.

Bingo
MugMugs is offline  
Advertisement
19-08-2011, 14:31   #55
obi604
Registered User
 
Join Date: Feb 2008
Posts: 861
Quote:
Originally Posted by MugMugs View Post
Bingo

Im still confused on this.
So if I upped my power by for example 20 BHP, this maybe would increase my premium by 30% IF I told them

BUT if I ddint tell the insurance company about this extra power and had an accident, I could still make a valid claim as the premium increase would have only been 30% greater ( i.e under 40% )

is the above correct ?
obi604 is offline  
19-08-2011, 14:42   #56
MugMugs
sguMguM
 
MugMugs's Avatar
 
Join Date: Feb 2007
Location: Dark Side of the moon
Posts: 13,517
Quote:
Originally Posted by obi604 View Post
Im still confused on this.
So if I upped my power by for example 20 BHP, this maybe would increase my premium by 30% IF I told them

BUT if I ddint tell the insurance company about this extra power and had an accident, I could still make a valid claim as the premium increase would have only been 30% greater ( i.e under 40% )

is the above correct ?

Just to be clear, I wouldnt endorse that.

But yes. They would take the Additional premium and honour the claim.

Be very wary though.

Insurers have clauses in policies that state " We can cancel your policy and reutrn any premium outstanding without giving you a reason..... etc etc "
MugMugs is offline  
19-08-2011, 15:24   #57
dr.fuzzenstein
Registered User
 
dr.fuzzenstein's Avatar
 
Join Date: Feb 2010
Location: In de shticks
Posts: 8,112
Quote:
Originally Posted by Sc@recrow View Post
They can't tell...but they can get the car dealer/manufacturer to check and they can tell whether it's been remapped or not.
You're up shít's creek then if the report comes back positive.
Insurance companies know which car models tend to get remapped/chipped etc so they will get these tested.
On that issue:
When I bought my CMax (a used '06) it took off like a scalded cat, that led to the pipe between the turbo and inlet manifold blowing.
At first I didn't know that, I only got a warning light, Ford initially re-loaded the system software before the fault was discovered and fixed.
After the engine software was reloaded, I noticed my car was definitely more sedate in pace.
My theory: it was remapped until Ford reset it.
I didn't know that, as I wasn't made aware either way.
What happens if I had had an accident and my insurance company had found out it was remapped?
It's hardly my fault, since I declared all the facts as far as I was aware of them, surely I can't be blamed?
This does, of course, effect everyone else who unwittingly buys a second hand car that has been remapped without them knowing.
I'm in the clear now, but what if...?
dr.fuzzenstein is offline  
Thanks from:
19-08-2011, 16:14   #58
Brian?
Moderator
 
Brian?'s Avatar
 
Join Date: Sep 2004
Posts: 5,581
Send a message via MSN to Brian?
Quote:
Originally Posted by dr.fuzzenstein View Post
On that issue:
When I bought my CMax (a used '06) it took off like a scalded cat, that led to the pipe between the turbo and inlet manifold blowing.
At first I didn't know that, I only got a warning light, Ford initially re-loaded the system software before the fault was discovered and fixed.
After the engine software was reloaded, I noticed my car was definitely more sedate in pace.
My theory: it was remapped until Ford reset it.
I didn't know that, as I wasn't made aware either way.
What happens if I had had an accident and my insurance company had found out it was remapped?
It's hardly my fault, since I declared all the facts as far as I was aware of them, surely I can't be blamed?
This does, of course, effect everyone else who unwittingly buys a second hand car that has been remapped without them knowing.
I'm in the clear now, but what if...?

Maybe the date of the remap is stored in the ECU? Only a guess.
Brian? is offline  
19-08-2011, 16:37   #59
dharn
Registered User
 
dharn's Avatar
 
Join Date: Mar 2010
Posts: 2,509
i see you are contemplating re-mapping a gti yourself
dharn is offline  
19-08-2011, 17:15   #60
Brian?
Moderator
 
Brian?'s Avatar
 
Join Date: Sep 2004
Posts: 5,581
Send a message via MSN to Brian?
Quote:
Originally Posted by dharn View Post
i see you are contemplating re-mapping a gti yourself
I am, what of it?
Brian? is offline  
Post Reply

Quick Reply
Message:
Remove Text Formatting
Bold
Italic
Underline

Insert Image
Wrap [QUOTE] tags around selected text
 
Decrease Size
Increase Size
Please sign up or log in to join the discussion

Thread Tools Search this Thread
Search this Thread:

Advanced Search



Share Tweet