Remap insurance

C

CymruNurse

Member
 Cornwall, UK.
Blimey! So I'm insured with Direct Line and have a fairly low cost as I am a bit older ;) ;)

I just rang for a quote as I am thinking of remapping my Z4 e89 2.0.

They won't insure it for any remap that gives over 20% increase in BHP apparently :( I was looking for a stage 3 as in the picture and they won't touch it. Ah well.

Capture.JPG
 
Try specialist insurers for this type of thing, run of the mill insurers really don't want this sort of modification.
 
And as if by magic, there already a thread running on the very subject!

https://z4-forum.com/forum/viewtopic.php?f=23&t=130757
 
Scubaregs said:
Try specialist insurers for this type of thing, run of the mill insurers really don't want this sort of modification.
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LV love 'em! Same map (don't know why it's called a stage 3 TBH, most generic remaps are those figures), costs me an extra £0.00 :thumbsup:
 
Argyll Andy said:
mr.tourette said:
This is pissing me off now peeps saying LV charge f**k all for a map :D They stung me for 73 quid :x
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Aye, they must’ve heard about you :poke: :rofl:
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Next year Im insuring without the map then adding it on a few days later.. That'll teach em :D
 
mr.tourette said:
Argyll Andy said:
mr.tourette said:
This is pissing me off now peeps saying LV charge f**k all for a map :D They stung me for 73 quid :x
Click to expand...

Aye, they must’ve heard about you :poke: :rofl:
Click to expand...

Next year Im insuring without the map then adding it on a few days later.. That'll teach em :D
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£73 for a remap on a 23i which does not give much of a power increase - on a 4 pot I can see it making sense but not s N/A version. :headbang:
 
Ole gits rule said:
mr.tourette said:
Argyll Andy said:
Aye, they must’ve heard about you :poke: :rofl:
Click to expand...

Next year Im insuring without the map then adding it on a few days later.. That'll teach em :D
Click to expand...

£73 for a remap on a 23i which does not give much of a power increase - on a 4 pot I can see it making sense but not s N/A version. :headbang:
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They dont care if it adds 1hp or 100 its been done so its an easy dry entry for the fuckers :rofl:
 
mr.tourette said:
This is pissing me off now peeps saying LV charge f**k all for a map They stung me for 73 quid
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I can understand that. I am now wondering if my scenario may have a bearing on the zero increase; the car is under a multi-car policy (3) and my wife is down as main driver and the car is registered in her name. It's also on limited mileage (4k I think). Could be that women are less likely to 'make use' of the extra oomph as far as insurers are concerned. They also never asked how much of a power increase when I added it on :o
 
Pondrew said:
mr.tourette said:
This is pissing me off now peeps saying LV charge f**k all for a map They stung me for 73 quid
Click to expand...
I can understand that. I am now wondering if my scenario may have a bearing on the zero increase; the car is under a multi-car policy (3) and my wife is down as main driver and the car is registered in her name. It's also on limited mileage (4k I think). Could be that women are less likely to 'make use' of the extra oomph as far as insurers are concerned. They also never asked how much of a power increase when I added it on :o
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Maybe mate, to be honest they never asked me either as I bought direct from the comparison site so it was just a tick box exercise of remap with no questions regarding power, im definitely going to try adding it after next year see if it makes a difference.. Not convinced it will though as every insurer loaded a similar amount on the comparison sites. I might remap my daily soon so might give them a ring and see what they say about price increase on that
 
Thats the issue with comparison sites, no actual cmon sense is being applied, difference in a remap on a 23i with 20bhp added max against an 18i which could easily add 100bhp is night and day.

Insurance has always been a scam :headbang:
 
Just bought mine and the previous owner remapped from 181 to approx 245BHP. INCREDIBLE response times and 47mpg on recent motorway long journey.
Gocompare website allows you to fill in a modification section which includes 'Engine tuning/remapped' or the likes. Admiral were best and, when going through the purchase of the policy, they said they could reduce it if I did a multicar with them which I did. The addition of a 2nd car reduced the Z4 quote by £100!
The Z4 insurance company on the forum (Chris Knott?) were really nice on the phone but were £150 higher than Admiral.
 
I've been insured with esure for a good few years now and I got the stage 3 Celtic remap and they were happy to insure it. I made sure to check with them first, and the guy I spoke to on the phone didn't know what I was talking about but after he spoke to his manager they were fine to sort it. It only added £55 to my premium.
 
MR T
So sorry to hear LV didn’t produce for you.
I have no idea what would make your circumstances different to mine??
Unfortunately, as some people have touched on above, there literally is no rhyme nor reason when it comes to insurance companies :headbang: mine IS on a 4K miles per year limit, and I DID add this after taking out the initial policy.
But after that ??? Christ knows why they come to that amount for you?? Bit I DID say … hardly anything for the remapping… but £12 for the caliper painting… work THAT logic out 🤷‍♂️😳
 
peeblezZ4 said:
Gocompare website allows you to fill in a modification section which includes 'Engine tuning/remapped' or the likes. Admiral were best
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Interestingly, for me Admiral refuses to insure anything more than a 25% increase over the original bhp. This is why I had to stick to stage 1 from Celtic, which, honestly, doesn't add much (214 vs 181 bhp). I spoke to a consultant in their online chat, they say they don't support significant remaps, and their website returns an error if you try to add a change to the policy stating the remap over 25%. I'm happy to pay extra, they just won't take this money.

BTW I wonder if it's fine to temporarily change stage 1 to stage 3 during a trackday (via emotion tuning device from Celtic), since trackdays aren't covered anyways and I have to buy separate insurance for these days which covers the remap. Haven't tried yet but since the additional ECU remap file costs just £50 extra it looks tempting.
 
In the event of an accident do you really think the insurance company is going to perform a forensic investigation into the state of your car's ECU?

Anyway, it was like that when you bought it, wasn't it?
 
Mister T said:
In the event of an accident do you really think the insurance company is going to perform a forensic investigation into the state of your car's ECU?
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Certainly, if there is a death or life-changing injuries. First thing they would check.
 
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