Remap and insurance
Posted: Fri Feb 28, 2020 10:45 pm
Hi everyone, just thought I'd let you know about my experience with remapping and insurance.
I recently bought a 2011 E70 40d msport and although it has just over 300 bhp I like the smooth acceleration and extra drivability that I had from my old E61 that had been remapped by Celtic tuning.
I take in the E70 tomorrow for the remap, this will take it to 360 bhp and 510ft/lb torque which will help lug the 2ton plus weight up and down the hills in Cornwall and Devon (not bothered about top end).
I went to the company that insured my remapped E61 to get a quote for the X5 and they couldn't offer me anything as their insurers had stopped insuring modified X series totally. I spoke to Adrian Flux who will cover modified cars and they came in at over £1300 as did another provider, another one wouldn't cover any BMW modified card at all. I finally got cover for £885 with notification of the remap.
I realise that this is a big jump from what I currently pay but I was not prepared to have it remapped and not declare it, running the risk of issues in the case of any accident. The story so far is to definitely shop around, especially if you make ANY modifications to the car as different insurers treat modifications differently, even items that you would not think would be an issue. I thought hard about justifying the costs but then a big grin came across my face thinking about the extra power and torque and that made my mind up
I will let you know how the car feels after the remap, the last one also improved the fuel consumption slightly but it was hard to judge due to me going up the hills more exuberantly than before the modification
I recently bought a 2011 E70 40d msport and although it has just over 300 bhp I like the smooth acceleration and extra drivability that I had from my old E61 that had been remapped by Celtic tuning.
I take in the E70 tomorrow for the remap, this will take it to 360 bhp and 510ft/lb torque which will help lug the 2ton plus weight up and down the hills in Cornwall and Devon (not bothered about top end).
I went to the company that insured my remapped E61 to get a quote for the X5 and they couldn't offer me anything as their insurers had stopped insuring modified X series totally. I spoke to Adrian Flux who will cover modified cars and they came in at over £1300 as did another provider, another one wouldn't cover any BMW modified card at all. I finally got cover for £885 with notification of the remap.
I realise that this is a big jump from what I currently pay but I was not prepared to have it remapped and not declare it, running the risk of issues in the case of any accident. The story so far is to definitely shop around, especially if you make ANY modifications to the car as different insurers treat modifications differently, even items that you would not think would be an issue. I thought hard about justifying the costs but then a big grin came across my face thinking about the extra power and torque and that made my mind up
I will let you know how the car feels after the remap, the last one also improved the fuel consumption slightly but it was hard to judge due to me going up the hills more exuberantly than before the modification