Insurance For Chipped Engines

[Guest lucky-charmer]

i am looking into chipping my 99 110bhp tdi ghia x galaxy, and ive got on order a body kit and alloys, the trouble is i can only find insurance companys that will only insure me for the kit and alloys or the chipped engine but not for all 3 modifications, can any one give me names and numbers of insurance companys that will touch modified cars in this way, i have been to max power, fast car,

and even there insurance companys are crap, so how do all the boy racers with there hot hatches evo body kits and induction kits ect ect, get cover but a family car wicth is not in the lets get my car nicked catagery get refused, any info must be names and numbers that people know of that will insure this kind of car, i dont want to be phoning round just to keep getting refused again,

 

thanx craig

 

my mrs say's i dont listen to her or somthing like that :rolleyes:

[Dave-G]

Er; This looks like an excuse to advertise..and if it aint - you can get a newer model post 2k for what you spend on that lot, It's a stiffer more footsure ride AND IT WOULD BE INSURABLE AT NORMAL RATES. The advertising I refer to is PULEASE NICK THESE WHEELS! They look truly lovely mate,but if I were in the insurance buisiness I would take into consideration the amount of damage some moron would willfully commit to remove them from your pride and joy...this COULD involve rolling the car, and using a scaffold pole to wrench them off. Still nice wheels mate! Edited October 15, 2003 by Dave-G

[Guest lucky-charmer]

were's the point in going out and bying myself a new car when half the fun is doing the work yourself, no ads on this page just useful info on were to buy the stuff we want, :P

 

ive just filled out for a quote from a-flux still waiting for a reply,

yes im going to purchase the ztwo kit but i do like that rear bumper on the abt kit

so i may mix and match,

as for the new performance in the new model it will not touch the old one after chipping at least 30% increase in power much better that 115bhp wouldnt you say, :rolleyes:

[Guest SA Intruder]

Independent tests show the MOST you can expect from chipped TDi is 5bhp.

 

Search site for superchips info!

 

Most tuning boxes and chips kid you by modifying the ECU interpretation of the pedal position....you seem to suddenly have more power - but don't!

[Guest lucky-charmer]

im going to buy it direct from

 

http://www.zwostyling.co.uk/sharan.shtml

 

for side skirt, arches, rear valance it is

[Guest lucky-charmer]

if the increase is not that much why do the insurance companys not like it if power improvement is minamal,

 

http://www.superchips.co.uk/car/frameset.htm

[Guest SA Intruder]

Because you are modifying (however badly) a product that has been type tested and approved.

 

If you wish to exclude yourself from the original design, then your insurer will need to take on a higher liability. Much the same as driving without a valid MOT - the car may be OK, but you cannot prove it.

 

You pays your money...

[Guest lucky-charmer]

yes have just been comparing prices, cant beleave the differance,

i do like that front skirt should go well and keep sum cash in my pocket rather than spend out on a new bumper, the kit that i want from zwo has just been knocked down by

[Guest Griffiths]

As mentioned further up the post try Adrian Flux. Im with them on my slightly modified Golf Gti and I must say I had a very good deal...worth a quick call. Failing them may be worth trying Greenlight...

[Guest lucky-charmer]

:D just to let you know ive just had a quote off of liverpool/victoria they are fantastic, they were cheaper than my old company even with all the modifications, chipping, body kit and big alloys,

[iainkirk]

Try

 

www.elephant.co.uk

 

Their website deals with chipped and customised cars.

[_dg]

Would an insurer really bother to check for a chipped engine on a Galaxy (as opposed to an obviously souped up gti look-a-like)?

 

How would they tell if the engine was chipped - wouldn't they need to test it to see if performance has been uprated?

[Guest SA Intruder]

If the vehicle was involved in a serious accident, whatever the apparent cause, the vehicle can be thoroughly scrutinised by a third party on behalf of the Insurer and Police. ANY mods or signs that the vehicle was not correctly maintained, and the Insurer makes the cover wholly invalid.

 

So if you kill someone, or seriously injure them, and you fail to be honest with the Insurer (or stupid enough to modify or not maintain the vehicle in the first place), then where do YOU get hundreds of thousands of pounds from to pay the bills and the court ruling?

 

And yes, chipped ECUs are the easiest to test for. Just plug the WDS/FDS in and it tells you in 5 seconds.

[_dg]

This testing is more likely to occur when there is evidence that you may have been at fault.

 

If the cause of your claim is that someone reversed into you in a carpark, tipped brake fluid on your roof, scraped the side of your doors etc, then the insurer is very unlikely to check your engine chip.

 

And what if you had your car serviced, and the mechanic diagnosed a problem with your engine management system and adjusted it for you. How would you be expected to know that your engine now has an extra 50 HP ?

 

dg

[johnb80]

How many of us have checked what chip is fitted to our secondhand Galaxy's when we bought them ???????

Caio - JB

[Ivor_E_Tower]

Reminds me of a bloke where I used to work - he bought a second-hand Clio 16V which seemed extremely rapid. He had a few problems with the way it was running and took it to his local dealer. He suggested that if it were chipped, it may sort out his problems. They then tested it and found that the previous owner had already done this, but obviously not told anyone when he sold (or insured?) it! This was the reason that it seemed so rapid when it was running properly..........

[Guest lucky-charmer]

hi people :rolleyes:

 

ive just finished chipping my tdi my insurance company no its been done,

it didnt affect my premium, all i had to do was inform them of the modification keep my receipts to prove it was done by a proper installer of super chips and also if i made a claim for theft of the car or if it was in a write off i can claim the money back for the work i had done,

 

8yrs protected NCD im only 29,

[Guest SA Intruder]

So, you have checked the power output on a dyno?

 

You think you have more power, because of the way the chip fools you.

[Guest lucky-charmer]

i'd like to know how you think know this, B)

 

:D i can already fell the turbo goes further than it used to and fuel consumption has improved by 20%, i do well over 500miles a week i should know

im not the only one out there to agree so stop putting it down and take your negative responses to my forum else were on the site :D

[Guest SA Intruder]

Try doing a search - or is that a bit hard for you?

 

You will see plenty of info on it.

 

You just stick to pathetic bullbars and other anti-social behaviour.

 

And learning to spell is always a good idea...ask your mummy for help.

[Guest lucky-charmer]

u must b a very unhappy person to be that spitefull, :D

 

ure ment 2 elp people on ere, not bitch at them about wot they do 2 there cars,

 

and as 4 the spelling thats how its ment 2b. :D

 

YOU will not get any more replys from me as its coments from people like u that ruin it 4 the others who r ere 2 elp B)

[iainkirk]

Unfortunately, I find it necessary to comment that gratingly bad spelling spoils it for the rest of us.

 

Can I suggest (if you do intend to post again, which you say you don't), that you type your submission into Word first, spell check it, then cut and paste into the website?

 

Or perhaps use the edit facility after posting.

 

Some comments on here are, of course, tongue-in-cheek....you just have to look carefully to decide which are which...

 

 

P.S. I don't appreciate the misuse of apostrophe's either. B)

[Guest Boggler]

Can I ask, Lucky-charmer, do you have the body kit in the photo? I would be totally envious to see such a Galaxy alongside mine, however if you were to put Bullbars over that lovely front bumper you take the edge off it completely.

 

Lets work this one through logically, you pay out for a very nice body kit, presumably some very nice lightwieght alloys with ultra low profile tyres, presumably uprated and lowered suspension, chip the engine for maximum power, all things I'd like to do if I had the cash (or should I say if my missus didn't spend it first B) ), You then want to plonk on a couple of bits of very heavy metal, detracting from the performance and the view of your bodykit.

 

I hope you take this as constructive debate rather than "nastiness", I could quite go for the other mods. To illustrate we all have our little quirks I've got "furry dice", and a Nodding Dog sitting on my dash, well I may be middle-aged but I don't have to be grown up. :D

[_dg]

Regarding spelling, I noticed this from another forum...

 

Aoccdrnig to a rscheearch at an Elingsh uinervtisy, it

deosn't mttaer in waht oredr the ltteers in a wrod are, the olny

iprmoetnt tihng is taht frist and lsat ltteer is at the rghit pclae.

The rset can be a toatl mses and you can sitll raed it wouthit

porbelm.

 

Tihs is bcuseae we do not raed ervey lteter by it slef but the wrod as a wlohe.

 

 

I think you'll need a superchip to counter the drag from those bars. LOL

 

But, each to their own

[Guest lucky-charmer]

i, think, sum, of, u, r, thinking, im, a, bloke, :lol: due, 2, the, comment, about, his, wife, spends, all, his, money, well, im, not, (just a tomboy), thats, wot, my, chap, says, my, husband, set, this, up, 4, me, and, thought, i, could, get, a, few, ideas, from, sum1, and, yes, i, do, spend, all, his, ard ernd, money, on, my, galaxy, :D and, i, dont, fink, spelling, matters, and, said, i, would, not, respond, to, sa, intruder, as, he, upset, me, the, big, nasty, man, B)

 

ps, 1 of them has 2 b in the rite place (,) :rolleyes: