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Remapping implications

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Comments

  • #182
    CiniO
    Registered Users, Registered Users 2 Posts: 16,039 ✭✭✭✭CiniO


    Sue Pa Key Pa wrote: »
    Insurance Ireland will guarantee that anyone with an appropriate licence will obtain cover, providing it is not against the public interest

    Then we have no problem, as all those writing here they can't get cover on modified cars must not be telling the truth.
    Also newspapers articles saying stories of people not able to obtain cover on some rare/usual vehicles must also be untrue.


  • #183
    CiniO
    Registered Users, Registered Users 2 Posts: 16,039 ✭✭✭✭CiniO


    Henry Ford III wrote: »
    It's crazy to suggest anyone is guaranteed to obtain insurance just because they want it.
    No, it's not crazy.
    That's how healty system should work. If something is obligatory, then everyone should be guaranteed to be able to obtain it.
    An open obligatory 3rd party insurance scheme (such as exists in Poland no doubt) wouldn't work here. We have high and expensive claims, court awards, and legal costs here. They'd all need to be cut dramatically. The courts system would need to be changed and the legal profession relieved of one of it's main sources of income.

    Forget about it.

    I don't see a link between high claims cost, and open obligatory 3rd party insurance scheme (as you described it).
    In the end of the day, there is certain amount of claims insurers must pay out, and there is certain amount of insurance policies for which insurers collect premium. All which is needed it all just must add up, so premium collected is no lower than claims paid.

    In Poland everyone will get cover, so insurers collect money from everyone. And they have to pay for all claims.
    It's similar in Ireland, with exception that insures make it very difficult or impossible for certain drivers/ cars to obtain cover - which is unnecesery limitation.
    And that's all what we should get rid of.

    Hence that premium cost is not regulated in Poland by legislation, so insurers can charge whatever they wish and whatever customers are happy to pay (just normal healthy working competing market).


  • #184
    amf78
    Registered Users, Registered Users 2 Posts: 60 ✭✭amf78


    Henry Ford III wrote: »
    An open obligatory 3rd party insurance scheme (such as exists in Poland no doubt) wouldn't work here. We have high and expensive claims, court awards, and legal costs here. They'd all need to be cut dramatically. The courts system would need to be changed and the legal profession relieved of one of it's main sources of income.

    Forget about it.

    This is getting mildly amusing. I admit these tactics (scaremongering + denial) would have worked for any politician up to the 80's, maybe even 90's. The trouble is that nowadays people travel and interact with other cultures, and also have internet. They see or hear how things are done elsewhere. According to you other countries (not just Poland) have a crazy, unsound, impossible legislation. Either that, or something about Ireland is so unique that nothing that works elsewhere can be duplicated here.
    Henry Ford III wrote: »
    It's crazy to suggest anyone is guaranteed to obtain insurance just because they want it.

    For somebody quoting so much legislation, you don't seem to distinguish between wanting something and having the right to something. Everyone should be guaranteed a cover provided they have a valid driving license, are resident here, and have a road worthy car. Wanting has nothing to do with it or rather, it's beside the point. So what you're in effect saying is that it's crazy to suggest anyone is guaranteed to obtain insurance just because they're entitled to it.


  • #185
    rex-x
    Registered Users, Registered Users 2 Posts: 1,892 ✭✭✭rex-x


    Sue Pa Key Pa wrote: »
    Insurance Ireland will guarantee that anyone with an appropriate licence will obtain cover, providing it is not against the public interest

    Not in the case of being declined due to modifications.


  • #186
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    rex-x wrote: »
    Not in the case of being declined due to modifications.

    If the car is street legal (not against the public interest), you will secure cover.

    To be clear, I'm not talking about getting an alternative or competitive quote if you already have an insurer


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  • #187
    rex-x
    Registered Users, Registered Users 2 Posts: 1,892 ✭✭✭rex-x


    Sue Pa Key Pa wrote: »
    If the car is street legal (not against the public interest), you will secure cover.

    To be clear, I'm not talking about getting an alternative or competitive quote if you already have an insurer

    My insurer denied my a renewal and I rang them asking for advice about the 3 refusals and was told they do not help in the situation where the car is modified. You can ring and ask yourself


  • #188
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    rex-x wrote: »
    My insurer denied my a renewal and I rang them asking for advice about the 3 refusals and was told they do not help in the situation where the car is modified. You can ring and ask yourself

    If the vehicle is street legal and you have a valid licence to drive it, your current insurer is obliged to offer you 3rd party cover. They have tried to deter you but they have to do it. Persevere.


  • #189
    mikeecho
    Registered Users, Registered Users 2 Posts: 5,370 ✭✭✭mikeecho


    Car manufacturers lie about mpg, 0-60, co2, etc etc.

    So by remapping, I'm probably only making it do what they advertise in the glossy brochure



    (Do they still print glossy brochures ?)


  • #190
    grogi
    Registered Users, Registered Users 2 Posts: 7,890 ✭✭✭grogi


    mikeecho wrote: »
    Car manufacturers lie about mpg, 0-60, co2, etc etc.

    So by remapping, I'm probably only making it do what they advertise in the glossy brochure

    Two wrongs don't make it right though.


  • #191
    mikeecho
    Registered Users, Registered Users 2 Posts: 5,370 ✭✭✭mikeecho


    grogi wrote: »
    Two wrongs don't make it right though.

    But one remap makes everything better


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  • #192
    amf78
    Registered Users, Registered Users 2 Posts: 60 ✭✭amf78


    mikeecho wrote: »
    But one remap makes everything better

    :)))))))))))))))))))))))))))))))))
    well said!


  • #193
    rex-x
    Registered Users, Registered Users 2 Posts: 1,892 ✭✭✭rex-x


    Sue Pa Key Pa wrote: »
    If the vehicle is street legal and you have a valid licence to drive it, your current insurer is obliged to offer you 3rd party cover. They have tried to deter you but they have to do it. Persevere.

    Persevere to who? Ombudsman wasn't interested and declined cases committee said they do not help with such cases. Where do you go?


  • #194
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    rex-x wrote: »
    Persevere to who? Ombudsman wasn't interested and declined cases committee said they do not help with such cases. Where do you go?

    Firstly, I know very little about cars. If your modifications meant the car was not street legal, you have nowhere to appeal.

    Declined Cases Committee only assist those who can't obtain any policy, you had an insurer. Very surprised the Ombudsman turned you away. Is there more to your circumstances other than a modified car?


  • #195
    rex-x
    Registered Users, Registered Users 2 Posts: 1,892 ✭✭✭rex-x


    Sue Pa Key Pa wrote: »
    Firstly, I know very little about cars. If your modifications meant the car was not street legal, you have nowhere to appeal.

    Declined Cases Committee only assist those who can't obtain any policy, you had an insurer. Very surprised the Ombudsman turned you away. Is there more to your circumstances other than a modified car?

    There is nothing that make the car any way illegal or unsafe. They said they more deal with cases relating to previous drink drivers etc not someone who can't get insured on a specific car.
    Nothing odd about my circumstances, Irish, full licence 10 years no claims etc no points or convictions etc etc

    By all means ring them and try to obtain a quote yourself on a fictional car.


  • #196
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    rex-x wrote: »
    There is nothing that make the car any way illegal or unsafe. They said they more deal with cases relating to previous drink drivers etc not someone who can't get insured on a specific car.
    Nothing odd about my circumstances, Irish, full licence 10 years no claims etc no points or convictions etc etc

    By all means ring them and try to obtain a quote yourself on a fictional car.

    How can I ring them when I'm not insured with there. My point is that if you have a current policy with them, they are obliged to offer you cover. Escalate it to a complaint with their compliance officer


  • #197
    gonko
    Registered Users, Registered Users 2 Posts: 229 ✭✭gonko


    This thread is gas. It is only a little remap on some diesel presumably. All you guys on about declaring this to an insurer so they can screw the poor guy even more. To hell with that.

    Say nothing OP. Remap the car and say nothing to insurance. They get enough off us. A remap will shorten components life like injectors (if a TDI type engine).

    My insurance company wanted to charge me more for a brake system upgrade on my Integra before. I told them I removed the upgrade and no longer needed the added cover, so the car was declared standard. Maybe it was standard for a race car lol.

    But look, as long as your not changing the engine or adding turbo's etc your grand.


  • #198
    Micky 32
    Registered Users, Registered Users 2 Posts: 6,627 ✭✭✭Micky 32


    gonko wrote: »
    This thread is gas. It is only a little remap on some diesel presumably. All you guys on about declaring this to an insurer so they can screw the poor guy even more. To hell with that.

    Say nothing OP. Remap the car and say nothing to insurance. They get enough off us. A remap will shorten components life like injectors (if a TDI type.

    Not significantly, i have remapped and gone further with diesels and a petrol in the past and put huge mileage on them up to 300k and the engines not touched.


  • #199
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,978 Mod ✭✭✭✭Henry Ford III


    gonko wrote: »
    This thread is gas. It is only a little remap on some diesel presumably. All you guys on about declaring this to an insurer so they can screw the poor guy even more. To hell with that.

    Say nothing OP. Remap the car and say nothing to insurance. They get enough off us. A remap will shorten components life like injectors (if a TDI type engine).

    My insurance company wanted to charge me more for a brake system upgrade on my Integra before. I told them I removed the upgrade and no longer needed the added cover, so the car was declared standard. Maybe it was standard for a race car lol.

    But look, as long as your not changing the engine or adding turbo's etc your grand.

    A remap is a material modification. So are fitting racing brakes. Failure to disclose them may invalidate your insurance. It's also an offence - obtaining insurance by deception.


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