I'm looking at getting my e.c.u. remapped by angel tuning (heard good things about them on here). Should I tell my insurance company about the remap, or is it undetectable so I won't have to tell them? Also if anyone happens to know, would it bump my insurance up a lot?

Ta very much ..Rob

you are suposed to tell insurance of any mods but it is undetectable

Things like bigger throttle bodies, re-profiled cams and porting&polishing I question whether it's worth telling the insurance companies as there is no way they can tell those mods.
With an ECU i'm not so sure i'd risk not telling them that as fiat do diagnostics and might log that that the ECU was changed.
Insurance companies in my mind only care about things that visually make the car more appealing to nick e.g
Lowered, different alloys, exhaust, visual engine changes (including different engine numbers )

risky post my friend, ive been reported for sayin a lot less....

but in all fairness part of me does agree with u, insurance does already take the ****, and all those mods u mentioned arent goin to make the car look any more desirable to someone who is lookin at nickin a car..... so on one side u could think that the insurance company doesnt need to know.

then on the other hand, if u had a crash and got caught out, invalid insurance, and one hell of a premium hike.


it is undetectable, but it is a risk as by law u have to declare any changed to your car to the insurance company!!!

The Trooper said:

I'm looking at getting my e.c.u. remapped by angel tuning (heard good things about them on here). Should I tell my insurance company about the remap, or is it undetectable so I won't have to tell them? Also if anyone happens to know, would it bump my insurance up a lot?

Ta very much ..Rob

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As mentioned above, by law you have to declare the modifications. Declaring them doesn't meaan that every insurance will increase the premium drastically depending on what the mods are.
If it is a petrol engine it will hit you not as hard as with a Diesel.
The map is not detectable by the examiner (Fiat's diagnostic system) if done properly.

Phone your insurance company prior to having the work done and enquire if there will be any premium increase.. Then you can decide if you are going to de... i mean if you are going to have the work carried out.

What does an Insurance company classify as a mod? Replacing lower arms with non-fiat lower arms.. Is that a mod?

Everything!!

Even your go faster Stripes should be declared as even though your car does not have NOS the sticker adds an extra 15BHP and the insurance company wants to know about it!

mase said:

risky post my friend, ive been reported for sayin a lot less....

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Sorry didn't mean to say like that, I would pay for every mod at a modifying friendly insurer and I pay my own way insurance wise, unlike many people I know running from parents insurance.

According to this site though http://www.my-sei.com/engadv.html, it lists a long list of complex internal engine mods that cross-off as not being needed to be notified to insurance. Seemed a reputable site but prob just playing on an insurance inspectors ineptness.

This compared to the more visual improvements being ticked http://www.my-sei.com/engbasic.html

Moved to LL.

Liam

Thanks for the advice, if it is undetectable it makes me think why bother, but on the other hand you never know, they may find out. I'll tell them about it, best to be safe than sorry. Can't imagine it would cost that much more in insurance anyway, if anything.

angel tuning virtually say on their website dont bother telling your insurance provider

it's undetectable because insurance companies dont have the means to test your ECU and know what has changed from the original manufactured setup.

Even if they could performance graph your vehicle - and think of the times and costs involved - they couldn't prove you'd modified the vehicle because there's nothing visible and they couldn't prove you'd modified the information in the ECU.

The Jim said:

angel tuning virtually say on their website dont bother telling your insurance provider

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no they not

What about insurance?
This is where we cannot tell you what to do. Basically the change in the engine map is extremely hard to diagnose, even with the right equipment to compare it with. Secondly to say something has been modified you have to compare it to the original and with only one map on the car what can you compare it against to prove it has been modified. Now we are NOT advising you not to tell your insurance company by stating the above. Some insurance companies are indifferent to remapping as they don't know what it is, some are half in the know and add a premium just for the sake of it and some insurance companies know exactly what it is and will ask the correct questions - if you tell them.

Ok cheers , will take all this into consideration.

mase said:

but in all fairness part of me does agree with u, insurance does already take the ****, and all those mods u mentioned arent goin to make the car look any more desirable to someone who is lookin at nickin a car..... so on one side u could think that the insurance company doesnt need to know.

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I don't think it the theft aspect which the insurance company are worried about, the fact you are having it remapped means you are a driver likely to be interested in performance and therefore speed. As this is one of the main causes of accidents for young drivers, it means potentially the insurance risk increases.

Consider the worst case scenario , you have an accident, seriously injure or kill somebody. Your car is likely to undergo a thorough investigation. Not only by the insurers but perhaps by the police vehicle inspectors. Even if they ultimately dont spot the mod , you will have a prolonged period of sweating to do.

Insurance companies do not like to pay out any claim let alone a potentially huge claim and will look at every angle to get out of paying. If they find out about any performance enhancing modification then they are likely to void the insurance. You are likely to either face a very large bill or prison.

Its not only about theft.

Do you believe that we are the only people who know about remaps ? OK so maybe a fiat coupe 20VT or sierra Cosworth might stir suspicions more than a Marea Weekend JTD or similar but I am not so sure that there isn't a gadget that can hook up to the ECU and read numbers / dates / versions and at least indicate that something has altered from standard Fiat issue.

With these remaps also involve uprated components such as clutch. If you end up with an uprated clutch, this could lead to questions being asked.

I wont go on I just caution anyone not declaring mods to insurance companies unless your think it is worth the risk for "a bit extra speed".

Some insurance companies are mod friendly, others will not even insure you if you mention the word modification. Some dont charge more for cosmetic mods others charge by the % over standard BHP in bands. I am speaking from my Fiat Coupe 20VT days.

Just my two pennies worth.

told my insurance people about cda an remap, they list it on policy as engine modification, up to 15% more power, was an extra £15.
at renewal time though with this and other mods added through the year suspension, exhaust, body kit, 17" wheels i though my renewal would be loads but its cheaper than last year.

dave said:

told my insurance people about cda an remap, they list it on policy as engine modification, up to 15% more power, was an extra £15.
at renewal time though with this and other mods added through the year suspension, exhaust, body kit, 17" wheels i though my renewal would be loads but its cheaper than last year.

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Tell me who you contacted and dropped the back hander to and who are you insured with

PNL said:

Tell me who you contacted and dropped the back hander to and who are you insured with

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lol those mods are easy.turbo conversions give some insurers heart attacks

PNL said:

Tell me who you contacted and dropped the back hander to and who are you insured with

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direct line, not sure if they knew what a remap was, as its just written down as engine modification power increase