160 remap insurance
 

Trikey recently attached a spec for the M47R Common Rail Diesel engine that showed 114 BHP to 161 BHP. I have copied this but cannot recreate it on this post as I am technical numpty.
BMW, in their wisdom, restricted 75 and ZT to 114 and 131. This was to avoid those Marques from competing with the BMW rear wheel drive offering at 161 BHP.
PhilT4 or Marina Brian managed to secure the 160 BHP remap which transforms the Car. However Insurance companies only base their rates on OEM Spec.
Get a remap done and Insurance companies want to charge you more.

I would like to know how BMW M47R cars compare with a like for like quote.
Do we have anyone such as an Actuary in the Car Insurance business that could investigate this and persuade the Industry that there should be no difference irrespective of original OEM offering.
I live in West London north of Heathrow, currently insured by Adrian Flux. When I want to renew my Insurance I cannot get competitive quotes. Possibly due to Post Code. I know LV has insured another member living in the Countryside. Are there any other Companies that insure the 160 remap?

From my experience I could only find Adrian flux to insure my remapped car.

why do you think there should be no difference in insurance costs between a standard cdt/cdti and a remapped cdt/cdti? The CDT is a dog as standard.

macafee2

MG Rover is also a defunct manufacturer whereas BMW is still a going concern. So l don't think insurance companies are going to make a comparison between the two.

I can imagine Hayes being quite an expensive area for insuring a car. I originally lived in Cranford nearby. We were in TW5 whereas you are probably in UBx I suspect. Both are similar for insurance risk indicators.

You could go onto a comparison site and do an online quote on a BMW 3 Series of the same age as your car and see how it comes out.

Gut feel tells me that a mapped will be more expensive than an equivalent of the same power, age and vale.

A-plan insure my remapped ZT. My area is in the car stealers delight rating (F*) according to this https://www.theclayclothcompany.co.u...e-ratings.html. It's not that bad, touch wood. I'm sure the stats are the stats, but :shrug:
Harrow postcode for you? Maybe an E rating?
I pay less than the cost of my kidney :p: and much less than a non modified car with the usual suspects such as LV / direct line and the like. They want up to £600 and even £1200! More like a forget you price, we don't want the business!

Brian and myself did thanks very much ;)

Phil kindly applied the 160 tunes onto a disc so that they could be applied more easily via T4 and a configuration problem regarding cruise on the facelift manual cars.

Russ

Sorry Russ got my guesses wrong. Thanks for putting me and the Community right.

Best thing to do is have a dyno run, get the accurate numbers the car is running and then present them with it. Best bet for accuracy would be to provide a printout. I am insured with esure and they haven't increase the premium on any of my mapped cars.

I am surprised insurance companies allow remaps to be insured without a printout as the estimated numbers can be way off. My 5 series that had the 3L M57TU2 engine responded incredibly well to a remap, it pushed out 60lbft more torque than estimated.

Esure insured my 160 diesel - they couldn't wrap their heads around the whole 114 / 131 / 160 so it just went on as engine modification and added an extra £80 a year. My premium was about £530 fully comp for 15000 miles a year with business and I noticed Sheila's Wheels and one other (can't remember the name sorry) were exactly the same to the penny so must be the same underwriters. Next quote from there was about £900 so basically like you I couldn't get a competitive quote once I'd declared the remap.

I am with Adrian FLux with a remapped 200 BHP Turbo - but Admiral offered cover but slighly more expensive.:shrug:

will try admerial again but a remapped CDT had to much % increase for them when I tried. The CDTI remapped was within the % increase allowence

macafee2

I think the biggest issue is the fact that you have modified the car from original manufacturer spec. This doesn't seem to go down well with insurance companies, they will even charge you more for changing the dash from light oak to walnut. Basically it's any mods.

Dont agree, a number of my mods have not had influence on the premium.
Things such as performance and making it pretty and more attractive will.

macafee2

Indeed the CDTi was a dog as standard and a completely different car when remapped but a safer car than the old spec so should be cheaper insurance as the original was dangerous at any junction.

Ian - I am genuinely intrigued. If the mods did not give your car higher performance, make it more pretty or attractive, what exactly were the mods?

Well, I don't think the CDT with 131 BHP is a dog. I can believe and would expect that a 160 remap would improve the car's driveability, but I don't see how it can be safer unless the driver is one who takes risks and needs the enhanced performance to recover from his/her mistakes.

The suspension, brakes, chasis of the car were designed to match the engine's performance. Unless an insurer tests every modified car as part of the quoting process, how can they possibly know whether the modified car is safer or less safe?

Most reputable insurers do not like modifications, which I think is perfectly understandable from a risk management perspective. Insurance is about nothing other than risk assessment and cover.

Interesting points. I agree that we should all drive within the drivers and cars limits and to that end don't feel that the mods make a car safer. For instance, my 1st car was 0-60mph in 29 seconds and was fitted with cross ply tyres, drum brakes and no power steering. My next car was 0-60mph in 13.1 seconds, front discs and eventually radial tyres but was certainly no safer because I then drove up to those limits. When I had my S Type 2.7d I certainly didn't expect the same performance from the bendibuses I drove at work. As you can imagine, emerging from a junction with a slow 18m vehicle required a slightly different skill set to a sub 8.5 second 0-60mph Jag.

In other words, performance doesn't = safety, it's how that performance is used.

A number of mods, full size spare wheel, self dimming mirror, FBH, puddle lights, change of dash clocks so I can access the digital stuff, change of indicator stalk, aux socket but wont be seen when the car is parked up.
Front foglights, reversing sensors,embossed headrests, electric sunblind, walnut dash, tow bar, electric memory seats can all be seen but externally make little difference. The reversing sensors may be the most noticeable thing even though they are colour coded and the seats the most desirable if one looks through the window.

Flash wheels make the car more attractive but I have standard wheels.
suspension and brakes will be performance mods.

I spoke to Admiral insurance about fitting 15 inch wheels with snow tyres, no problem was their reply.

I firm am of the opinion notify the insurance company of any mods and let them decide if it is premium a/effecting. Most of the mods they just make a note of.

macafee2

Makes sense, better inform than have the insurance invalidated at a critical and expensive time.

Interesting that a full size spare wheel is a modification, I have a full size matching alloy spare.
How can if find out if the car was originally supplied with it, therefore its not a modification, or will the insurance company be able to give me that information?

I have insured my 160 remapped Connie with LV for several years, it seems to add about £100 to standard premium, mine is now just under £400 p.a. for fully comp.

ouch, February £240.80 fully comp with Adrian Flux.
I wonder how much is insurance company, area and claim history is making the difference

macafee2

Renewed with Adrian Flux
 

Thanks for all your comments. Initial AF Insurance Renewal invitation £500+. Got more competitive quotes from Admiral and A-Plan under £500. Persuaded AF to quote near last years price, happy with that and renewed.