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Remap and Insurance

  • 03-02-2023 8:00pm
    #1
    Registered Users Posts: 3,204 ✭✭✭


    I'm looking to have my 163 bhp 2.0l diesel remapped to stage 1.

    I'd like to be above board about this.I spoke to my broker and he said you'd be doing well to even get a quote.

    I have 27 years full license with full NCB and no points

    Does this mean that almost everybody going around with their cars remapped have no insurance (whether they know it or not)



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Comments

  • Registered Users Posts: 6,421 ✭✭✭zg3409


    Correct. In the event of a serious claim.the insurer will.do everything in their power to deny a claim checking things like engine numbers, annual.mileage, occupation, and any modifications including new radio, non standard map on ECU, any data logs in ECU such as speed at time of accident, were seat belts in use at time of accident etc. They can check things like was a mobile phone being used around the time the accident occurred. Many cars log location and location history, in addition to speed.

    That said if you wanted to declare there is probably specialist insurers that will quote high, however you are flagged as "boy racer" will crash from a risk point of view. Some insurers may only quote third party.

    Many really heavily modified cars are track use only, others are on classic policies and occasional low mileage usage but it can still end up being specialist weird insurers.

    Lots of very slightly modified cars are technically not insured, such as window tints, aftermarket radios, aftermarket wheels etc. Some insurers have no issues once notified, others don't touch "modified from factory spec" cars.



  • Registered Users Posts: 3,204 ✭✭✭HBC08


    Thanks for the reply.

    I don't know much about it but I'd be sceptical they can assess your phone records.

    However the rest sounds plausible, if you remap the car I'm talking about in the UK it's an extra £20 -£25 on your insurance, here it seems you don't have many options.

    I'm surprised to hear about the radio thing,I was planning on having a kenwood put in but I'll have to look into that now aswell



  • Registered Users Posts: 73,344 ✭✭✭✭colm_mcm


    The only way they’d know about the phone (and I’m skeptical that they would even do that) is if it was connected



  • Registered Users Posts: 3,204 ✭✭✭HBC08


    I know you work in the trade Colm,would you have a steer on the rest of it?



  • Registered Users Posts: 3,558 ✭✭✭Breezy_


    How much does it cost to do what you want to do? Why are you doing it?



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  • Registered Users Posts: 3,204 ✭✭✭HBC08


    I've been quoted €250.

    I believe its a stage one remap.I don't know a whole lot about it.

    The car is fast at 163 bhp but for that price to bring it up to around 200 I think is a nice thing to have.



  • Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    I'd say all new car owners are tracked now a days as they have that SOS button in their cars so if they were in an accident or witnessed one they can press that button and call emergency services and they just follow the GPS to your car. So I wouldn't be surprised if the car was tracking you at all times.



  • Registered Users Posts: 3,204 ✭✭✭HBC08




  • Registered Users Posts: 8,421 ✭✭✭PsychoPete


    Personally I'd just get the car mapped and say nothing to the insurance



  • Registered Users Posts: 3,204 ✭✭✭HBC08


    I'd like to do that (it seems that what everybody else in the country has done!)

    Just would be worried in the event of a claim/crash.



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  • Registered Users Posts: 6,402 ✭✭✭Allinall


    You’re right to be worried.

    Be up front with your insurance, otherwise you could be in a whole world of pain if anything goes wrong.



  • Registered Users Posts: 3,204 ✭✭✭HBC08


    Delete



  • Registered Users Posts: 1,125 ✭✭✭mobby


    Agree with this. Have a serious accident and your Insurance company will drop you big time. you would be left with a serious financial hit at best.



  • Registered Users Posts: 1,870 ✭✭✭Glaceon


    A friend of mine had a GT-R at one stage and had some work done on it, I know it had an engine rebuild but not sure what else. No insurance company would touch it on the grounds of it being “modified”. He had to get an engineers report done by a professional motor assessor in order to get it insured.



  • Registered Users Posts: 14,309 ✭✭✭✭wotzgoingon


    Just remap it and do not tell them. And don't be listening to these people the insurance company do not go through the ECU after an accident. Well unless you are going to drive like maniac through built up areas and mow down a load of pedestrians then yes they may go through the car more thorough but you'd be in jail anyway so no big deal. But anyway if you drive the way you do now but just have a bit more power on tap you will be fine even if you have a accident they will not go through your ECU.



  • Registered Users Posts: 3,558 ✭✭✭Breezy_


    Keep your money. leave the car alone.

    Quick google suggests you can wreck the car if not done right.

    You're wasting to much money on cars......I guess if it's easy come then no harm easy go.



  • Registered Users Posts: 18,770 ✭✭✭✭Del2005


    It takes seconds to connect a reader to see if a car has been modified, do you want to take that risk when you need it most? The insurance company will pay out 3rd party but will come after you in the courts for the money and win as it's a civil case. The other issue is that when your insurance discover that you've modified your car and not notified them your policy will be cancelled and that's a whole other level of pain.

    If you want a faster car buy one or inform your insurance company if you modify your own, otherwise you're insurance is only good for getting past a checkpoint.



  • Registered Users Posts: 6,421 ✭✭✭zg3409


    Often if car is heavily modified such as aftermarket wheels or new aftermarket shocks then insurers need an engineer's report to ensure car is road safe. I got one recently for engine swap and upgrade and new wheels etc. It cost about 200 euro, and was straight forward enough, car is totally legal with new engine vin on paperwork. Insurance was difficult to get but not expensive.

    In terms of remap there are loads of reports of people blowing their engine within a month due to "a bad map". Sometimes the map is wrong for the car and causes issues straight away, in most other cases I suspect is the extra power causes extra strain and often the car is old anyway and driven by a boy racer, so the chances of a failure go up massively, particularly if you drive like a lunatic before the engine has warned up, and if you have not upgraded things like the air filter, new timing belt, new water pump, the engine can easily struggle and fail. Certain engines are more suitable for remap as they can handle the extra power easily, other engines can't handle more power without failing much earlier.



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  • Registered Users Posts: 5,352 ✭✭✭User1998


    Great advice. OP this is the only post I would take seriously



  • Registered Users Posts: 8,421 ✭✭✭PsychoPete


    Wouldn't be one bit worried personally, we've dealt with a lot of insurance jobs in the garage and never have I seen an insurance assessor plug a car in to check what's on the ecu. The insurance company wouldn't have a clue if it was mapped or not. Each to their own but I'd say nothing



  • Registered Users Posts: 6,421 ✭✭✭zg3409


    In a lot of theft cases they ask for both keys, if the have the car they can query it to see if key was present. Modern cars have more and more info easily available. In cases where the car breaks to cause an accident the brand of car are very worried about manufacturer liability and they can pull all data. The whole "unintended acceleration" cases the manufacturers usually prove it was driver error and not a car fault.



  • Moderators, Society & Culture Moderators Posts: 3,930 Mod ✭✭✭✭Turner


    Insurance is based on engine size, price of the car etc.


    By remapping a car you are not altering that. You are tweaking how the engine runs to improve efficiency with respect to mpg and how the vehicle uses the torque created by the same size engine.


    In no way does it mean you do not have insurance. Once you have your policy you are legally covered.


    If you remove the spare wheel and back seats to decrease weight and increase mpg, does that mean the insurance wont cover you in the event of an accident? No



  • Registered Users Posts: 1,458 ✭✭✭Eoinbmw


    Bull a reader can not tell you how much bhp was gained in a remap lol!



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  • Registered Users Posts: 6,421 ✭✭✭zg3409


    It impacts the risk of theft, which is part of insurance. The question asked is car modified in any way from factory spec. It may seem stupid but it's used as a way of getting out of paying claims. Be upfront on any changes. It may not impact the quote.



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