remapping and insurance

[gov]

Am I right in believing that remapping done professionally does not alter the emissions and risk a failure on the new MOT rules ?

I am interested in a car that has had a modified exhaust fitted and a remap - fortunately the new exhaust was from the "cat back " so would not fail because of the lack of a catalytic converter.

However using Compare the Market and declaring the modification the premium almost doubles and I'm beginning to wonder if it's worth it - if you don't declare the modification and have an accident then technically your insurance would be invalid - I suspect insurance companies check this out particularly with the more high powered cars.

 

[Silverzedtom]

Not saying it’s the right thing to do by any means but if the car was in a crash and they did find out it was mapped, would they be able to tell when the map was changed?

There must be thousands of people driving around in mapped cars with no idea.

 

[step_change]

Where does the line get drawn? New stubby aerial = change of manufacturer??? New mats? New tyres? New wheels? Furry Dice?

 

[Anonymous]

Am I right in believing that remapping done professionally does not alter the emissions and risk a failure on the new MOT rules ?

I am interested in a car that has had a modified exhaust fitted and a remap - fortunately the new exhaust was from the "cat back " so would not fail because of the lack of a catalytic converter.

However using Compare the Market and declaring the modification the premium almost doubles and I'm beginning to wonder if it's worth it - if you don't declare the modification and have an accident then technically your insurance would be invalid - I suspect insurance companies check this out particularly with the more high powered cars.

On the one hand the mere fact you have socialised your dilemma, in the event of such an accident and you were caught out you would be up for the highest of high jumps legally, however that would pale into insignificance if the wronged took you to court for restitution, for personal injury could run into big numbers...

On the other hand the chances of (today) anybody pulling the ECU data (in the UK) is zippo.. (other states routinely pull data from multiple car cpus)

After market tune it boxes are a much bigger risk if the car is impounded after a crash..

I paid with L+V a 10% surcharge for going from 186bhp to 280bhp..seemed relatively good value..

Maybe go with someone like that then do your upgrade?

 

[gov]

Am I right in believing that remapping done professionally does not alter the emissions and risk a failure on the new MOT rules ?

I am interested in a car that has had a modified exhaust fitted and a remap - fortunately the new exhaust was from the "cat back " so would not fail because of the lack of a catalytic converter.

However using Compare the Market and declaring the modification the premium almost doubles and I'm beginning to wonder if it's worth it - if you don't declare the modification and have an accident then technically your insurance would be invalid - I suspect insurance companies check this out particularly with the more high powered cars.

On the one hand the mere fact you have socialised your dilemma, in the event of such an accident and you were caught out you would be up for the highest of high jumps legally, however that would pale into insignificance if the wronged took you to court for restitution, for personal injury could run into big numbers...

On the other hand the chances of (today) anybody pulling the ECU data (in the UK) is zippo.. (other states routinely pull data from multiple car cpus)

After market tune it boxes are a much bigger risk if the car is impounded after a crash..

I paid with L+V a 10% surcharge for going from 186bhp to 280bhp..seemed relatively good value..

Maybe go with someone like that then do your upgrade?

Yes - 3rd party costs and personal injury makes it a risk not worth taking - in the event I have withdrawn from the purchase - I did consider just paying the surcharge but all this seems to be a minefield with possible resale repercussions - having said that remapping is big business these days - certainly when trading in dealers are not keen to take modded cars if the modification alters the power output

 

[ph001]

Adrian Flux for the win. Very minimal increases for power mods.

 

[ihadablackdog]

I paid with L+V a 10% surcharge for going from 186bhp to 280bhp..seemed relatively good value..

Did they make you have a tracker fitted in order to insure the Z4 (irrespective of the remap)?

I was with them and then got my Z4 (this was in 2012 e89) and they gave me a month to fit a tracker or they wouldn't cover it for theft, so I left.

Considering that, I'm surprised they were open a remap.

 

[huytonman]

I had a quote for a 20% power lift on my old Z, came out at zero increase. over 20% and the underwriters get involved which would mean >££. Didnt go ahead in the end as the 340 stock was more than enough for the chassis.

 

[Anonymous]

I paid with L+V a 10% surcharge for going from 186bhp to 280bhp..seemed relatively good value..

Did they make you have a tracker fitted in order to insure the Z4 (irrespective of the remap)?

I was with them and then got my Z4 (this was in 2012 e89) and they gave me a month to fit a tracker or they wouldn't cover it for theft, so I left.

Considering that, I'm surprised they were open a remap.

I live in the Scottish Borders car theft does not exist..they steal ship n horses....

 

[TONYL]

If you increase the performance over stock and don't let the insurance know about it then you are only kidding one person..and that's you
All you need to have is an accident that injures a person and you can kiss goodbye to your financial well being
And on another if you modify the car to make it more desirable to theft then your on a looser again
Its your call!!