Insurance MRC Stage 1 Remap

[rich3119]

Anyone know roughly what the percentage increase would be for Insurance on an S4 Avant with the MRC Stage 1 remap ?

[Ian_C]

Completely depends on the insurer tbh. Some insurers don't charge a penny for a Milltek, others point blank decline to cover a modified car

[Nickyboy]

Ring your insurer?

[rich3119]

Yes I think i will ring and check, just a little concerned that once you ask they mark your card and if you ever do claim they will go through the car with a fine tooth comb

[Nickyboy]

You are a fool to mod your car without informing insurance anyway.

[rich3119]

Totally agree Nickyboy .... all it takes is a fatal RTA, they would find the mods, invalidate your insurance and you would need to sell your house (and some) to pay the costs. Its a no brainer to do it above board imo

[bam_bam]

FON.

Try to find an insurer that uses a "power increase" instead of having to explain a remap to a cubicle drone.

[rich3119]

cheers bam_bam i'll do that

Oh and thx for the FON, my first post, so now I feel properly accepted and welcome

[rich3119]

OK so my insurer (The AA) say that they wont cover ANY modifications to my S4 - Can anybody give me ideas of who I could get a quote from and are reasonable. I'm 40 years old and full no claims etc so hopefully I tick most boxes but the AA see me as a Risk and im sure other companies think the same so any advice would be appreciated ?

[Ian_C]

One of the specialist brokers would be a good start.

Adrian Flux, Sky, A Plan, Footman James, REIS, Greenlight, Chris Knott etc

[rich3119]

Thanks Ian ... called Adrian Flux and got an Open Modification policy for £160 more than the standard yearly premium - no individual mod quotes needed its a one price covers all as long as they are advised and the mod is listed on the policy all is well.

Thanks Again

[Noyjatat]

Do they cove like for like, if not might be worth giving Sky Insurance a ring as they do.

[rich3119]

Do you mean if stolen all mods are replaced too Noyjatat ?

[Noyjatat]

Yeah pretty much that. If you had front end damage in a fender bender and my engine took the brunt and was repairable they will have it tuned by MRC again to the spec of the mods I have carried out or if written off we agreed in a price higher than the basic value of the car based on its mods.

Funny thing is for me with the forum member discount they give it came to £60 less with the mods than with LVE and no mods

[rich3119]

excellent - i'll check it out