Other than a remap, is there anything else I could do to my on order mk5 1.6TDi-CR that the insurance man won't spot to get a bit more performance (not necessarily bhp, but also response, handling, braking, etc) ??
Insurance Friendly Mods
- Thread starter nightflight
- Start date
You've got about a 30% chance they wont notice a remap providing the cars undriveable and not sent to a VAG specialist.
Like the above post you really do want to inform insurance for instance I told admiral about the following:
Splitter
Gearknob
HID's
Window Tints
Air Filter (Green Panel)
They increased my insurance by only £48 a year...
I'm 21 years old with 6 points and one accident (All on my previous car)
Like the above post you really do want to inform insurance for instance I told admiral about the following:
Splitter
Gearknob
HID's
Window Tints
Air Filter (Green Panel)
They increased my insurance by only £48 a year...
I'm 21 years old with 6 points and one accident (All on my previous car)
I'm not quite sure what you mean by 'providing the car is undriveable' but I don't think the insurance company send people out for a test drive in your crashed car following an accident
No, but they do download the ecu data and see if it's standard. Or at least they can do if they want.
not driveable could mean - burnt out
you makes your choice you take your chances.
i'll be telling them i've done my 312mm upgrade when i get round to it (time & money against it at mo)
you makes your choice you take your chances.
i'll be telling them i've done my 312mm upgrade when i get round to it (time & money against it at mo)
I thought all the people on here go an about how the remaps are undetectable even by the dealers unless they drove them?
There are hundreds of threads about it.
Yeah I know what kind of thing would make a car un-driveable, but what I meant was; whether a car was driveable or not following an accident I didn't think they sent out evaluators to 'test drive' the crashed car to see if it was mapped or anything.
Purely from a Health and Safety point of view they wouldnt be allowed.
I'm not condoning that you shouldn't tell the insurance everything, like Oldman says you take your chances..
Dealers don't have the equipment to download and check the ecu map. All they can do is access it to read faults, rewrite the ecu with an update, etc. which is all they need to do really.
If you took your car to a tuner he'd be able to tell you in minutes whether it was standard or mapped, but the dealer can't. So, remapping for warranty purposes and remapping for insurance purposes are two different issues.
AFAIK you don't have to tell the insurance about:
- using better tyres (as long as they are still the same size)
- the Silcon dielectric grease MAF thingy in the sticky section
- using better oil at your oil change
- putting Millers in your diesel or using 'better' diesel.
- clearing unneeded junk out of the boot (including the spare if you have one)
I can't think of anything else. Everything else you do would need to declared.
- using better tyres (as long as they are still the same size)
- the Silcon dielectric grease MAF thingy in the sticky section
- using better oil at your oil change
- putting Millers in your diesel or using 'better' diesel.
- clearing unneeded junk out of the boot (including the spare if you have one)
I can't think of anything else. Everything else you do would need to declared.
chrome indicator bulbs, i thought oem stuff wouldnt make a difference like 312's thats all youve done is change discs and pads , same calipers , how are they to know what was fitted as std to yours ??
Mine have been notified about my ARBs as that's all I have.
Adrian Flux.
I shall be notifying them of any future mods regardless as they insure the cost of them over the car cost. Also they've said so long as other mods do not increase power, they won't increase the premium.
Incidentally, my car had 115,000 miles when I bought it, what if previous owner had it mapped? I wouldn't know.
Adrian Flux.
I shall be notifying them of any future mods regardless as they insure the cost of them over the car cost. Also they've said so long as other mods do not increase power, they won't increase the premium.
Incidentally, my car had 115,000 miles when I bought it, what if previous owner had it mapped? I wouldn't know.
Best mod you can do, that the insurance company can't see is an advanced driver training course. Plus you can take this expertise forward to every subsequent car you own.
When ever I suggest this one people always tend to go on the defensive and tell me how good they think they are, so I'll add this, I'm not saying you are a crap driver, I'm just saying that the average car driver does not get to experience the handling characteristics / physics required to make a car go quick until they have had high speed driver instruction on a test pan or track, or conversely do an IAM course. That may even save you money long term.
When ever I suggest this one people always tend to go on the defensive and tell me how good they think they are, so I'll add this, I'm not saying you are a crap driver, I'm just saying that the average car driver does not get to experience the handling characteristics / physics required to make a car go quick until they have had high speed driver instruction on a test pan or track, or conversely do an IAM course. That may even save you money long term.
I consider myself a pretty good driver as far as it goes.
HOWEVER
I agree with Warren an advanced driving course would be exceptional for anyone regardless of how good they think they are and I'm sure when you get there you'll see that not everyone is as good as they think.
Seriously however, Theres no point performing Modifications to the car and not informing the insurance properly as insurers can and will screw you over at any point. Also for the people that say its undetectable do you really want to be the person that is caught out when they introduce a "New bit of kit"
To declare some mods its inexpensive, some are quite expensive.
You take the risk really.
HOWEVER
I agree with Warren an advanced driving course would be exceptional for anyone regardless of how good they think they are and I'm sure when you get there you'll see that not everyone is as good as they think.
Seriously however, Theres no point performing Modifications to the car and not informing the insurance properly as insurers can and will screw you over at any point. Also for the people that say its undetectable do you really want to be the person that is caught out when they introduce a "New bit of kit"
To declare some mods its inexpensive, some are quite expensive.
You take the risk really.
I took my AIM course not long after I passed my test nearly twenty years ago. It was a good experinced and I learnt a great deal about control and anticipation on the road. It was worth it. However, the AIM does have a seriously bad image on the lines of your cliche CAMRA drinkers:
Sad but true.
Another form of education for the road which I believe would be of considerable benefit to many road users and that is to take a bike test. It is nothing to do with the 'road from a bikers point of view', it is more to do with awareness of other road users and again control and anticipation. Taking your test will increase your awareness on the road considerably. This I feel will improve your road sense immensely and as a result improve your driving skills.
This is all mainly as a result of self preservation on the roads (a lot different to HGV/PSV tests)
Sad but true.
Another form of education for the road which I believe would be of considerable benefit to many road users and that is to take a bike test. It is nothing to do with the 'road from a bikers point of view', it is more to do with awareness of other road users and again control and anticipation. Taking your test will increase your awareness on the road considerably. This I feel will improve your road sense immensely and as a result improve your driving skills.
This is all mainly as a result of self preservation on the roads (a lot different to HGV/PSV tests)
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Actually, the Advanced driving test is one of the first things i plan to do when i get my car for two reasons
1. For whatever reason a few people don't feel entirely comfortable when i'm driving, despite having matured in my driving style (i feel) over the past few years so i reckon that having the advanced tuition will help to refine and smooth the edges off and hopefully those that aren't totally relaxed will be.
2. My old man was an advanced police driver and also did a USAF counter terrorism and anti-hijacking driving course and as such, can make incredibly rapid progress feel mirror smooth and totally controlled;. It'd be nice to be able to do the same thing safely.
rice-c87
Guest
mainly insurance companys are bothered if it makes it more atractive to a thief like big wheels! and if it makes the car stop, handle, accelerate or have a faster top end.
i was declined insurance by asda coz i told them of my wheels when getting a quote said i had to be 25 to have aftermarket wheels on my car!!!!!! i am 21 and drive a leon tdi 90 its not the fastest or most agile car on the road like i want to race it!
i was declined insurance by asda coz i told them of my wheels when getting a quote said i had to be 25 to have aftermarket wheels on my car!!!!!! i am 21 and drive a leon tdi 90 its not the fastest or most agile car on the road like i want to race it!
best bet would be to ask your insurance before you do it, as some insurance company's don't insure modified vehicles.
very true, i rang direct line regarding what my extra premium would be with a re-map and a strut brace and i quote "our under-writers will not insure your car with any modifications or optional extras's until your 25 or have 3+ years no claims discount" They did concede i was aloud the luxury pack that i have on my beezer, but they wouldnt insure me if i add cruise, different alloys etc. sucks really.
Just declare the mods, as it was said before, do you want to be caught out and slapped with the costs of any accidents?
Just declare the mods, as it was said before, do you want to be caught out and slapped with the costs of any accidents?
That's more to do with warranty issues.
Any tuner with a laptop and suitable cable could download your map, without even lifting the bonnet, look at it and tell you whether it was remapped.
When I had my crash last year, the other driver who caused it (by steering across my path) claimed his hire car had a fault and the stability control caused him to steer sharply in front if me (from the circumstances it was blatantly not true, just an excuse!).
The police said they could get Toyota to examine the contents of his ECU to verify his claims, but didn't go ahead as it would have cost too much - however if it had been a more serious case where someone was killed, it would be a different story.
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