Remap BHP increase and insurance

[magicman]

When an insurance company asks what power increase will the remap have, in actual BHP, what should I tell them? I am considering a stage 1 on a MY10 Cupra.

I have told them i won't know until the work is done, but they won't quote or cover me without the figure.

Thanks for any help / advice.

 

[AndrewJB]

310-330 after map

 

[EndlessNameless]

Typical stage 1 +5bhp? Can revise it down if it's significantly below that. Can't imagine you'd get penalised for having a lower output than you told them.

 

[jc_boc]

Tell them it's an economy map lol

 

[magicman]

Tell them it's an economy map lol

Tried that and they still wanted a BHP figure.

 

[DerbyForget]

usually insurance companies bracket ECU modifications by % increase in power so quick calculation is -

STANDARD - 237BHP
STAGE 1 REMAP PRODUCING - around 300BHP (63BHP increase)

=21% increase in power

you could probably get away with claiming for only a 20% hike in performance. HTH

 

[magicman]

usually insurance companies bracket ECU modifications by % increase in power so quick calculation is -

STANDARD - 237BHP
STAGE 1 REMAP PRODUCING - around 300BHP (63BHP increase)

=21% increase in power

you could probably get away with claiming for only a 20% hike in performance. HTH

That's what i was thinking.

Cheers

 

[AndrewJB]

usually insurance companies bracket ECU modifications by % increase in power so quick calculation is -

STANDARD - 237BHP
STAGE 1 REMAP PRODUCING - around 300BHP (63BHP increase)

=21% increase in power

you could probably get away with claiming for only a 20% hike in performance. HTH

run it on an underpowered RR

 

[scotty026]

usually insurance companies bracket ECU modifications by % increase in power so quick calculation is -

STANDARD - 237BHP
STAGE 1 REMAP PRODUCING - around 300BHP (63BHP increase)

=21% increase in power

you could probably get away with claiming for only a 20% hike in performance. HTH

My insurance wouldn't touch me with a 21% increase the guys said if my standard is 170 and it was mapped to 195bhp that would be the maximum anything above they wouldn't touch (privillage)

 

[DerbyForget]

run it on an underpowered RR

nope, i havent got a cupra. just going on the advertised figures produced, by various tuning companies for the cupra and the general consensus is 300BHP. anything above that im sure is a bonus. and to be quite honest even the best rolling road wont give you a true figure

 

[DerbyForget]

My insurance wouldn't touch me with a 21% increase the guys said if my standard is 170 and it was mapped to 195bhp that would be the maximum anything above they wouldn't touch (privillage)

you should try 'Adrian Flux' or any of the other specialist 'modified' insurers. their premiums are competitive and they obviously have no problems with insuring your vehicle even if its heavily modified.

and to be honest you would still be fine going with a stage one remap... Ive never heard of an insurance company rolling road testing a vehicle in my life! and the only reason they would question the mod would be if you had stacked it... in which case it wouldn't be road worthy anyway so that would be out the question and they could only prove ECU was modified which you have already told them

 

[rosco07]

usually insurance companies bracket ECU modifications by % increase in power so quick calculation is -

STANDARD - 237BHP
STAGE 1 REMAP PRODUCING - around 300BHP (63BHP increase)

=21% increase in power

you could probably get away with claiming for only a 20% hike in performance. HTH

21% Your maths is well out! 63bhp increase is more than 21%

63/237 x 100=over 26.5%

 

[EndlessNameless]

you should try 'Adrian Flux' or any of the other specialist 'modified' insurers. their premiums are competitive and they obviously have no problems with insuring your vehicle even if its heavily modified.

and to be honest you would still be fine going with a stage one remap... Ive never heard of an insurance company rolling road testing a vehicle in my life! and the only reason they would question the mod would be if you had stacked it... in which case it wouldn't be road worthy anyway so that would be out the question and they could only prove ECU was modified which you have already told them

I got a quote from Greenlight after reading about them on here, and including the somewhat tame mod of lowering it a little, they came back about £200 cheaper than comparison websites gave me for an unmodified car. (And they'll replace like-for-like if needed, wheras on my current policy they'd replace (declared) modifications for OEM standard). I know what I'm going to be doing when my renewal is due!

 

[DerbyForget]

21% Your maths is well out! 63bhp increase is more than 21%

63/237 x 100=over 26.5%

yes sorry your right, had another look :S maths was never a strong point

 

[AndyVTR]

It's a few years since I've been with a big insurer but I thought most didn't do mods any more?

Surprised at Privilege.

 

[scotty026]

you should try 'Adrian Flux' or any of the other specialist 'modified' insurers. their premiums are competitive and they obviously have no problems with insuring your vehicle even if its heavily modified

I did phone them when I got the car a last month and the guy just said he couldn't get close to my quote from privlliage he didn't even attempt to tell me the price

 

[AndyVTR]

I did phone them when I got the car a last month and the guy just said he couldn't get close to my quote from privlliage he didn't even attempt to tell me the price

Think I'll try them this year. Mine is for up to 25% increase through AF.

 

[rllmuk]

I think, if i remember when i was searching right that Privilege will insure with mods, but only replace with standard. Also don't know how friendly they are to changes mid policy.

 

[AndyVTR]

I could live with them putting on a new DPF, maybe.