Henry Ford III wrote: » [...] Would an average driver appreciate the difference between a 100bhp and a 130bhp engine with better torque and better mpg? I'd say they would. I certainly would know and appreciate the difference.
Henry Ford III wrote: » Would an average driver appreciate the difference between a 100bhp and a 130bhp engine with better torque and better mpg? I'd say they would. I certainly would know and appreciate the difference.
bazz26 wrote: » .......... If I wasn't aware of my car being remapped by a former owner then I certainly wouldn't be letting an insurance company bully their way out of liability in that instance just by claiming it's obvious or under circumstantial facts. ............
Henry Ford III wrote: » Why is it that there's such a reluctance to just do the right thing and be honest in relation to this issue? Why are people constantly trying to worm their way out of their responsibilities? I'm genuinely perplexed by it.
Neilw wrote: » If insurance was reasonable and allowed for modifications people would be more inclined to declare them. In most other reasonable countries this can be done but our insurance is so draconian and out of date it's near impossible to do without a point blank refusal or policy cancellation.
Henry Ford III wrote: » I just googled "modified car insurance Ireland". Loads of links seemingly willing to quote. What's reasonable? Is it what you want to pay or what the going rate is? p.s. We all know that insuring a standard BMW 535d is possible, but pricey. So why should someone just remap a BMW520d to nearer the same performance levels and expect to pay less? It's unfortunate but it puts them into an entirely different category of risk I reckon.
Caliden wrote: » Have you tried getting a quote from any of the links you found? There are multiple posts on here or even modified car forums from people who are struggling to insure a standard jap import let alone a car with modifications. Modifications which actually make your car safer when installed properly, i.e. bigger brakes, better suspension, increase your premium. Have you ever tried insuring a performance/modified car yourself? Even popular cars like golfs are becoming hard to insure as they're involved in more accidents (popular car, more accidents is a given).
amf78 wrote: » You're arguing as if we're discussing about paying 3 euro to watch a movie on iTunes vs finding a torrent. As if there's a way out. We shall see what the insurer's response will be, but based on the ton of feedback received here, the chances being offered a quote (even an outrageous one) are 0.1%. What surprises me to no lesser degree is how people can be so complacent about ridiculous predicaments brought on by abuse of power, indifference, incompetence and stupid law making, by simply stating "it's the law" or "well, it is the way it is". And I'm not just talking about the modified car market.
rex-x wrote: » Try and get a quote, on a fictional car from any of them. They won't quote you if it's a performance increase. Its cheaper for me to insure a 535d than a 520d due to the unique way insurance is calculated..... There are far less of them so they haven't been as blacklisted as the 520 has it seems. You go on and on about price but nobody ever mentioned cost? We are talking about getting a quote at all here
Henry Ford III wrote: » That sounds like a convincing argument in favour of buying a 535d then. Why don't you buy one?
bazz26 wrote: » I'd like to shake the hand of the person who can get 535d performance from a 520d with just a remap or chip update.
bazz26 wrote: » My point was that your not going to get the performance of a 535d from a 520d just by spending €400 on a remap or chip. You would have to spend money on extensive modifications under the bonnet to get that from a 520d.
Henry Ford III wrote: » The quantum of premiums or even availability of cover is a side issue I think. The more fundamental one is that you've a legal obligation to do the right thing. It's fatally flawed to argue that "I couldn't/wouldn't insure my car as mapped so I'll plough ahead anyhow and hope for the best" imho. The last part of your post is a moral one - and isn't relevant here.
Sue Pa Key Pa wrote: » You see, this is the stand-off we have at the moment. The other thread on this issue has a poll showing 3:1 in favour of motorists being dishonest to their insurers. Then you ask why can't we have it like in other jurisdictions. The insurers are not going to blink first and policyholders are raging with insurers. It's a mess that won't be fixed easily
Neilw wrote: » The other thread is asking if a person would declare a remap as the insurance situation is now, most will say no because the insurance company will either point blank refuse, charge through the roof or cancel the policy...so why would you risk it. If there was an option to declare mods without being shafted I'm sure the poll would go the other way.
CiniO wrote: » In many other jurisdictions insurers don't raise premium because car was modified. And in those which do, adding a spoiler or lowering springs is not a reason for 200% premium increase. Remapping is not a reason for cancelling policy. Also silly stuff like raising premium based on profession of a driver, make and model of a vehicle or amount of penalty points or other imaginary stuff that in eyes of Irish insurers affects risk, does not make any difference in other countries.
Henry Ford III wrote: » Who cares how it's done abroad? We're stuck with a numerous and expensive claims system here.
Sue Pa Key Pa wrote: » You want the benefits motorists enjoy in other jurisdictions before we abandon the right to be dishonest with insurance companies.
CiniO wrote: » So what are you trying to say? That insurers in Ireland purposely inflate premium for modified cars to compensate for dishonest drivers? Like they're thinking: only 1in 20 will tell us about modifications, so instead of rising premium by 10% like they do in other jurisdictions, we'll rise it by 200% for this one poor fella who declared and we'll end up the same ? Pure nonsense.
CiniO wrote: » Well I care how it's done abroad. Simply because it proves it's done wrong here. Btw it's not first time you are reprimanding me for mentioning how's something done abroad. Hence it wasn't even me who first mentioned it in that thread. I was just replying someone. And finally your argument makes completely no sense as even if indeed cost of claims in Ireland is high and that's the reason for high premiums (which I personally don't believe), then what does it have to do with insurers refusing or charging extreme high premiums for modifications? Nothing....
