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Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 11:00 am
by rich3119
Anyone know roughly what the percentage increase would be for Insurance on an S4 Avant with the MRC Stage 1 remap ?

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 11:17 am
by 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

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 11:17 am
by Nickyboy
Ring your insurer?

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 11:45 am
by 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 :(

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 11:53 am
by Nickyboy
You are a fool to mod your car without informing insurance anyway.

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 12:16 pm
by 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 :)

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 12:27 pm
by bam_bam
FON.

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

Re: Insurance MRC Stage 1 Remap

Posted: Thu Sep 19, 2013 12:49 pm
by 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 :)

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 10:29 am
by 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 ?

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 10:51 am
by Ian_C
One of the specialist brokers would be a good start.

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

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 11:33 am
by 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 :beerchug:

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 11:37 am
by Noyjatat
Do they cove like for like, if not might be worth giving Sky Insurance a ring as they do.

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 11:40 am
by rich3119
Do you mean if stolen all mods are replaced too Noyjatat ?

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 11:53 am
by 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 :D

Re: Insurance MRC Stage 1 Remap

Posted: Mon Sep 23, 2013 12:00 pm
by rich3119
excellent - i'll check it out :)