View Full Version : Is this insurance proof?
The more I read about the REVO system (is it OVER spelt backwards for any reason?) the more I wonder if insurance would actually be able to tell that you have had your car chipped.
No physical evidence and can be simply put back to std mode for servicing etc.
How could insurance prove you had had a chipped car???
Rich
Have I bought up a touchy subject? Nearly 100 viewings and no reply? Anyone?
R
Probably cos it's been touched on before in various threads.
Cupramax
27-02-2003, 12:52
Originally posted by rakh1
Is this insurance proof?
That'd be insurance fraud though. Chip car, tell insurance company. Its simple really. Do you expect Revo to recommend this?
Of course I was not looking for a recommendation.
What I was looking for is an answer to how insurance could possibly find that you have chipped your car. And even if they could prove that you weren't running in 'standard' mode at the time of driving.
Purely hyperthetical of course.
I used to own a chipped Cupra (and did inform insurance) and I you could tell it had been chipped due to the new chip being soldered in.
Was just interested...
R
It doesn't matter that you were running 'standard' mode at the time cos your insurance will be invalid. And you will not be able to claim for the rechipping. I argues this with Fen (RB5) recently but can't find the thread.
Ok Scenario!
I get revo!
6 months trade in car and mention nothing to dealer.
Punter goes into dealer and buys car!
Thinks F*&K ME this is quick I will buy it!
6 months later has accident!
Will the insurance people find out and if the do what would happen!
PS if it’s tesco insurance they won’t know their arse from their elbow anyway!!!
I have been led to believe that tescos insurance is managed by Direct line you would hope that they would know what they are talking about.
Ok Scenario!
I get revo!
6 months trade in car and mention nothing to dealer.
Punter goes into dealer and buys car!
Thinks F*&K ME this is quick I will buy it!
6 months later has accident!
Will the insurance people find out and if the do what would happen!
And what if you had set it back to standard mapped running - so no extra gidddeup....does punter still have modified car cos the chip has been played with?????
R ????
Last punter has acted in good faith with no attempt to deceive. Insurance still valid but payment may be scaled down. For the first owner, it's the fettling that invalidates the insurance not whether you use it or not. All mods have to be declared otherwise your insurance contract is voidable by the insurer.
ok - sorry to go on but am interested...
If I got an R and revo'd it BUT kept the std programme for road use and reserved the performance programme for track use. Therefore, technically the car remains untouched in terms of performance on the road and hence no mods to declare for insurance?
If this still counts as 'modified' then I would ask how it differs from having a set of larger alloys which you put on for track use but keep the road alloys on for road use?
Rich
I guess this is more because of the question of evidence.
Say you would have an accident with your car, how would you prove it was in standard mode at the time? Other then that, I wouldn't see a reason why the policy should be higher if the car is in standard mode and performs exactly the same as factory.
question basically is :
is original chip removed and new one fitted ?
or
is original chip just reprogrammed ?
if the latter then - they would need to be well on the ball to catch you out
if the first one - they are not as daft as they seem nowadays and will almost certainly look if there is any suspicion
Originally posted by rakh1
ok - sorry to go on but am interested...
If I got an R and revo'd it BUT kept the std programme for road use and reserved the performance programme for track use. Therefore, technically the car remains untouched in terms of performance on the road and hence no mods to declare for insurance?
If this still counts as 'modified' then I would ask how it differs from having a set of larger alloys which you put on for track use but keep the road alloys on for road use?
Rich
You've asked the same question as Fen/RB5. We ha d agood ding dong about this not too long ago but I can't find the thread.
Alloys for track is ok cos your standard policy doesn't cover track use.
Originally posted by rakh1
ok - sorry to go on but am interested...
If I got an R and revo'd it BUT kept the std programme for road use and reserved the performance programme for track use. Therefore, technically the car remains untouched in terms of performance on the road and hence no mods to declare for insurance?
If this still counts as 'modified' then I would ask how it differs from having a set of larger alloys which you put on for track use but keep the road alloys on for road use?
Rich
BUT the alloys aren't on your car when you're on the road, but the modified code is STILL in your car (whether enabled or not). Quite different things. Declare it, it's worth it!
slim_boy_fat
28-02-2003, 19:09
Nice to see all you guys with such high morals when it come to insurance companies..
I assume that you all drive within the speed limits and dont break any other laws....
In addition i assume you tell Seat you get your cars chipped so they can take it into account for maintenance + warranty claims!!
Mmmmm thought not!!
Clearly the point of Revo Sps1 is that you can switch it on and off when you want to use the extra grunt, while still maintaining the standard apperance of the car.
Insurance companies cannot possible quantify the increase in risk they are exposing themselves to so they will think of an arbitary number then double it add 100 and times it by 2!!
Clearly there is incease in Risk but its probable more on the warranty claim side than any insurance claim.
Lets hope the Ibiza gearbox can handle the 300ft/lb.
I have no doubt my right foot can!!
:D
Now if the consumer laws were made in such a way where the car manufacturer has to prove your modifications were the result of a malfunction then I wouldn't have a problem telling the dealer my car would have been modified. As it's the other way around and they try to find any excuse to get away from the warranty then I would only tell them if they explicitly would ask...
Isn't it fun to have a good angel on one shoulder and a bad one on the other? ;)
without going into incriminating levels of detail I know for a fact that the insurance companies once they have the least bit of suspicion can request an ecu readout for the entire length of the ecu memory from the car. This tells Everyting!! I have a "friend" who was asked why was ABS taken and switched off by the driver before the accident and then rest to auto afterwards!!!!!!!!!
BMW can run graphs from their cars to check peak revs accelleration ratio braking ratio and any manual over rides
Beleive me when I say that Insurance Cos are not dumb and know every trick in the book and then some!!!!
slim_boy_fat
01-03-2003, 09:15
Still no mention of warranty claims!!