Insurance companies for a remapped 20i

SV8Predator said:
Scubaregs said:
You can make light of it, but the facts are you committed insurance fraud and were to all intents and purposes driving without insurance.
Click to expand...

To be fair, I think just stupidity rather than criminal intent.

But the outcome would be the same.
Click to expand...

Well he clearly knew he needed to inform his insurers, so I would disagree.
 
Broads said:
Just to add another insurance company to the mix, I used Adrian Flux. Seem to be a great insurer.
Click to expand...

That's good news. Presumably you've had successful claim(s)? Every insurance company is "great" until you actually try and claim.

Flux seems a bit marmite:

https://www.pistonheads.com/gassing/topic.asp?t=1572689
 
Roddy said:
Hypothetical situation, you buy a car which has been tuned but you don't know, what would happen then?
Click to expand...
As said earlier, the remap date should be embedded therefore if you had a claim and were unaware, as long as the dates match up I would have thought you (as an innocent) would be covered.
 
Broads said:
Just to add another insurance company to the mix, I used Adrian Flux. Seem to be a great insurer.
Click to expand...
Just for clarity. Adrian Flux are brokers, not insurers. The vast majority of the companies we say are our "insurers" are not; they are brokers. Again for clarity, brokers sell the insurance, insurers cover the liability/ risk. Not being facetious, but it is a common mis-conception. :thumbsup:
 
Would a stealer overwrite the remap if in for normal service work, or do they respect that it’s your car so you can do as you please?
 
ihadablackdog said:
Would a stealer overwrite the remap if in for normal service work, or do they respect that it’s your car so you can do as you please?
Click to expand...

Given that these cars are ‘obsolete’ as far as BMW are concerned there are no software revisions…therefore unless there was a fault traced to an out of date software revision they wouldn’t be normally re-loading any software..so that’s a no.. :thumbsup:
 
I wonder where they draw the line at “modifications”. Re-map, new alloys, cruise control?, cupholders??
 
Zedebee said:
I wonder where they draw the line at “modifications”. Re-map, new alloys, cruise control?, cupholders??
Click to expand...

If they want to be really difficult then any undeclared modification is arguably a breach of manufacture’s type approval..

So non OE wheels , non OE tyres etc are all technical breaches..

Of course in a civil court where this would end up with a mega claim you could field an expert witness to argue the toss…

The counter argument is that if they ask the manufacturer ‘do you endorse these modifications?’..you can guess the answer and the courts..

The amount that’s going to cost you will make the extra premium through declaration seem very good value..

Obviously for a minor prang unlikely to be an issue..when you leave someone requiring 24hr care for the rest of their life then I suspect the insurers will look at their options..
 
Pbondar said:
Zedebee said:
I wonder where they draw the line at “modifications”. Re-map, new alloys, cruise control?, cupholders??
Click to expand...

If they want to be really difficult then any undeclared modification is arguably a breach of manufacture’s type approval..

So non OE wheels , non OE tyres etc are all technical breaches..

Of course in a civil court where this would end up with a mega claim you could field an expert witness to argue the toss…

The counter argument is that if they ask the manufacturer ‘do you endorse these modifications?’..you can guess the answer and the courts..

The amount that’s going to cost you will make the extra premium through declaration seem very good value..

Obviously for a minor prang unlikely to be an issue..when you leave someone requiring 24hr care for the rest of their life then I suspect the insurers will look at their options..
Click to expand...

I don’t think you’d ever get pulled up for non-OEM tyres, so long as they were appropriate for the car and road legal. You’d be able to call the whole forum as expert witnesses to say how sh*t the OEMs were!
 
I did say ‘technical breach’..in the aviation world there has been accidents and action taken done on tyres that were identical to the OEM specified but actually were not really identical so the undercarriage refused to drop after they were fitted..

So in the car world yes highly unlikely ..but given for example the number of people on this forum who fit different sizes from OE spec then…

An oversized tyre that aquaplaned leading to loss of control…when you get a really big claim you would be amazed the lengths the lawyers will go to get the insurer of the hook..
 
https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/misrep-and-non-disclosure

Useful guide as the financial ombudsman is the first place you would end up if you felt your car insurance had been wrongly declared invalid by the insurer.

It depends firstly on the wording of the question you are asked when applying - most are very broad because the insurer wants to leave their options open. Mine even asks me to declare optional extras!

The impression I get is that for an insurer to say your insurance is invalid, they would have to argue that they would have refused to insure you had you declared the modifications. If it's just that they would have charged you more, then it's more likely that you will simply owe them money rather than have no insurance. There would need to be some case law to set precedent for this to be conclusive and I have been unable to find any.

Worth bearing in mind though, that if you intentionally hide modifications because you know the insurer will charge you more, you are committing theft - will you ever be charged and convicted? Unlikely (and even if you were we are talking about stealing £50 or so, the punishment isn't going to be life changing), but I'm not sure that's the point... it isn't for me anyway.
 
Not surprisingly the ABI has a different view..

https://www.abi.org.uk/products-and-issues/topics-and-issues/fraud/8-myths-about-insurance-fraud/

Police don’t seem to be too chuffed either..

https://www.actionfraud.police.uk/a-z-of-fraud/insurance-fraud
 
You must log in or register to reply here.
Back
Top Bottom