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Discussion Starter · #1 ·
hello chaps.

Right... as you will all understand i'm itching to remap my TDI150 but i'm being held back by the extra insurance costs.

What is the etiquette on declaring a remap? do many people just keep it under their hat? (i hear they're practically untraceable)

And do you have any idea of the severity of the insurance increase for a driver like myself? (cos i cant seem to find anywhere willing to quote accurately) - named-driver, 21y/o and 0 NCB.

Thanks.
 

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What is the etiquette on declaring a remap? do many
people just keep it under their hat? (i hear they're practically
untraceable)
You hear wrong, its not worth the risk of voiding your insurance when you need it the most.

Declaring is the only way to go.
 

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What is the etiquette on declaring a remap? do many people just keep it under their hat? (i hear they're practically untraceable)
You hear wrong, its not worth the risk of voiding your insurance when you need it the most.
Declaring is the only way to go.
Well said that man.

The Revo system with the reset back to standard box would be what you want though if you went down that slippery route.....
 

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Ball park figures for me (24 with 4years no claims and an accident 3 years ago)

Mods declared but no chip = just under ?400

Mods declared including chip = approx ?650.
 

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i dont see the point on the switchable ones...

as if you crash big time theres no way your going to be able to switch it off if your all mangled....
 

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I had a 1.8T which was remapped (before I bought it) and I didnt have it declaired, But it was always on my mind, until  I eventualy sold the car, It just was not enjoyable to use the car as I was allways worried, I would defo NOT do it again. I would always declair any mod now. I would get a V5 or a V6 and keep it standard if insurance is a worry thats what I am planning
 

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Discussion Starter · #7 ·
thanks for the feedback chaps.

I must admit i agree with you completely, you don't want that to always be in the back of your mind.

My reason for asking was simply that i dont have money to chuck around willy nilly, and as much as i agree with playing by the book i would have hated to have declared the remap then found out a week later that on the whole you guys hadn't.

cheers
 

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well if you didnt buy the car new then your argument there would be that it must have been done before you bought the car and you thought it was the stock power as you aint driven any other 150 TDI golfs

Thats what i said to the warrenty guy at the garage where i bought it and he couldnt do a thing

but then again insurance is a whole new ball game
 

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well it shouldnt affect ya insurance that much with all my mods it make insurance go up by about 50 quid

and thats wheels .carbonio,miltek,springs ,revo all declared
 

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The Golfs computer holds a log which insurance engineers can enter to
download stats on the car. Plus they can estimate performance
based on accellerated wear of the car parts . If they ca tell how
fast you were going after an accident, knowing if a car is modified
must be the easy part for them!! Always delcare, you may be
surprised at how cheap it is. Or phone the insurance company
before you do anything to quote you for the mods.
 

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The Golfs computer holds a log which insurance engineers can enter to
download stats on the car. Plus they can estimate performance
based on accellerated wear of the car parts . If they ca tell how
fast you were going after an accident, knowing if a car is modified
must be the easy part for them!!
Have you been reading the saxo forums?

and

they can estimate performance
based on accellerated wear of the car parts........ how? come on
 

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If they ca tell how
fast you were going after an accident, knowing if a car is modified
must be the easy part for them!!
I'd love to know how they're supposed to do this??

Or phone the insurance company
before you do anything to quote you for the mods.
This is the best advice so far - if you're concerned about the cost
ring up and get a quote - if it's too expensive then you've a choice to
make!
 

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Phone your current insurer and ask for a quote before doing the work

failing that, wait until renewal time and find an insurer sympathetic to mods like Greenlight, HIC, Adrian Flex, etc, then have the remap!
 

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The PD150 is quick enough!

Save your money & don't bother with the remap!

Pleading ignorance won't wash, you will void your policy if you fail to declare the mod. Plain & Simple.

Insurance companies will charge you (as a rough guide) the same percentage increase in premium as performance.
e.g. If after remap your BHP increase is 30% then your policy will cost you around 30% more. So if you were initially quoted ?1000 then it will jump to ?1300. etc etc.. Try Firebond (They come recommended by Superchips).
 

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The ECU will not tell you that the car has been remapped. It will only reveal data: boost pressures, fuel consumption etc etc.. The insurance officials will still have to put 2 & 2 together to come up with 6. But I would still declare the mod.
I use Firebond & declared the remap.. they didn't charge me any more for it!..
 

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The ECU will not tell you that the car has been
remapped. It will only reveal data: boost pressures, fuel consumption
etc etc.. The insurance officials will still have to put 2 & 2
together to come up with 6.
If they go as far as to explore the ECU then they sure as hell will know what they're looking for.
 

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If you are a named driver on someone elses policy and you are the Main
user of the car, Lord help you if you need to claim. Don't even think
about a remap. Both of them put together, and you are proper screwed!!
 

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If money is an issue and you can't afford the insurance, then don't shell out your hard earned readies for a remap. Getting this wrong could be life-changing. When you can afford both, have some fun! [:)]
 
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