Henry Ford III Registered User
#46

MugMugs said:
Zurich are generally re map friendly but looking above that may have changed.


How does that tally with your 40% figure though?

MugMugs Hosted Moderator
#47

Henry Ford III said:
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 ?

Henry Ford III Registered User
#48

MugMugs said:
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?

MugMugs Hosted Moderator
#49

Henry Ford III said:
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 ?

Henry Ford III Registered User
#50

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 Registered User
#51

This is getting a tad confusing.

MugMugs Hosted Moderator
#52

Henry Ford III said:
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. :/

Henry Ford III Registered User
#53

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.

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MugMugs Hosted Moderator
#54

Henry Ford III said:
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

obi604 Registered User
#55

MugMugs said:
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 ?

MugMugs Hosted Moderator
#56

obi604 said:
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 "

dr.fuzzenstein Registered User
#57

Sc@recrow said:
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...?

1 person has thanked this post
Brian? Moderator
#58

dr.fuzzenstein said:
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.

dharn Registered User
#59

i see you are contemplating re-mapping a gti yourself

Brian? Moderator
#60

dharn said:
i see you are contemplating re-mapping a gti yourself


I am, what of it?

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