Do you declare your remap on your insurance policy?

[toosmiles]

Well in the end I went with sky insurance and the underwriter is groupama?

Got it for £370 with £300 excess :) Very pleased with that! 

i had a quote of sky today with all mods declared,even the led bulbs inside lol,stage 2+ £300 excess £495
thats with my accident last year also
very pleased

[Stanipkiss]

I have been with Adrian flux for years and they are quite helpful when it came to mods.
My latest question to them was, what changes do making the chassis notch on my car make to my policy?
Their answer was no changes as I am already on a modified policy!

Bonus so I can look into getting lower.
Give them a call and see how you get on

[Sjw_Vw]

I'm with Adrian Flux and I must say, they have been excellent the past 2 years!
When i added my coilovers and my exhaust system, they said there would be a charge of £0
Always great customer service and the people that work there, actually understand about owning a modified car.
Think I'll be staying with them for a 3rd year
I'm 24, with soon to be 6 years NCB. 3 points for a PC30.

[driver rider]

Declare the mods and go with a specialist insurer. A few good ones on here.

[Orc]

Everything declared in my edition and it actually only went up by a few quid if I remember not like hundreds back in the 90s

[xjay1337]

I did some Wireless work for an insurance group last year and I saw a guy reading through a build thread on Edition 38 Forums.
I also saw someone on UK-mkivs.net but didn't say anything to either of them..... we have insurance companies on this very board, and as I said, those and many others do and WILL check forums for vehicles involved in collisions to see if they have been modified.

Do not risk it.... If you can't afford to insure the mods then don't have them.

[ConeKiller]

I work for an insurance company and can confirm XJAY1337 is speaking the truth!

Use your email or phone nymber on your quote and on a forum... about 3 seconds to find you!

Also... don't forget insurance companies have external investigators... if they see you about they can check your reg too!

[Dave7692]

Am I right in think that if you declare all modifications if something does happen and the car is written off the insurer will not only cover the cost of the vehicle but also the mods as well, thus leaving you in the same position you were pre-accident?  As far as I'm aware thats how it worked when a guy I work with wrote off his heavily modded Evo 5.

I'm just saying, for the sake of a pretty minor amount of money you'd be left with the costs of your excess and all the mods if you wrote the car off.  Also you also run the risk of them voiding your insurance if you had an accident and you car was found to be modified without them knowing, could leave you in some serious mess if that happened.

[Joshy]

^ I think some insurers do a "like for like" thing on mods so they will cover the costs but others will not.

[Dave7692]

^ I think some insurers do a "like for like" thing on mods so they will cover the costs but others will not.

I see I guess it probably comes down to how much you want to pay, the guy I worked with was quite a lot older so the basic insurance would have probably been quite low to begin with anyway.

[xjay1337]

Am I right in think that if you declare all modifications if something does happen and the car is written off the insurer will not only cover the cost of the vehicle but also the mods as well, thus leaving you in the same position you were pre-accident?  As far as I'm aware thats how it worked when a guy I work with wrote off his heavily modded Evo 5.

I'm just saying, for the sake of a pretty minor amount of money you'd be left with the costs of your excess and all the mods if you wrote the car off.  Also you also run the risk of them voiding your insurance if you had an accident and you car was found to be modified without them knowing, could leave you in some serious mess if that happened.

That depends on your particular insurance cover.
I had a car which had undeclared modifications before (A corsa) and when crashed at fairly low speed into a Honda Civic, all 3rd party costs were covered (including the injury payout) but I had to cancel my own personal claim - I believe legally you are fully covered third party regardless of your vehicles state of insured modifications. It would just be your own cover through fire, theft or total loss that would be negated.

However happy to be corrected on that.

But my point is that you should either find insurance companies who will cover you like for like with replacements. Or accept that most standard insurance companies don't give a crap about mods so will only replace with standard parts.

[Teutonic_Tamer]

Many people probably don't declare remaps but in the event of an incident it wouldn't surprise me if they checked, any excuse not to pay out!

How would an insurance company check for a remap? 

[xjay1337]

Very easily.............flash counter for a start, and they can look up fuelling and boost requests, takes 10 minutes.

[Teutonic_Tamer]

Decent tuners now don't alter the flash count.  And how would an insurance investigator know what the correct flash count number was?

And I doubt very much they would even know where to look, and even less likely know how to interpret boost an fueling data.  Heck - most so called 'master technicians' employed at official VAG garages wouldn't know this aspect, and they'd only know the correct flash count if they hooked up the car in question to their VAS5051 - AND a live data link to VWAG in Wolfsburg.

[xjay1337]

Okay.
Map your car, crash it and find out. Because you "doubt it" :)