audi Camberley or MRC?

[sonny]

If remaped, it'd still probably make under the specified output... most insurers add premuims to gains over stock power, in your case this would be NIL. In fact, anything under stock power and you should get a rebate. Job done.

Welcome to bam_bam economics 101.

That's been my philosophy for years now

[pisquano]

yes but my insurer (echoice) claims they will not allow for any change irrespective to the power increase

[Steve_C]

yes but my insurer (echoice) claims they will not allow for any change irrespective to the power increase

who is your insurer?

[Steve_C]

Welcome to bam_bam economics 101.

Totally agree!

Here's another way of looking at economics:

Suppose that every day, ten men go out for beer and the bill for all
ten comes to £100. If they paid their bill the way we pay our taxes,
it would go something like this:

The first four men (the poorest) would pay nothing.
The fifth would pay £1.
The sixth would pay £3.
The seventh would pay £7.
The eighth would pay £12.
The ninth would pay £18.
The tenth man (the richest) would pay £59.

So, that’s what they decided to do.

The ten men drank in the bar every day and seemed quite happy with
the arrangement, until on day, the owner threw them a curve. “Since
you are all such good customers,” he said, “I’m going to reduce the
cost of your daily beer by £20.”Drinks for the ten now cost just £80.

The group still wanted to pay their bill the way we pay our taxes so
the first four men were unaffected. They would still drink for free.
But what about the other six men - the paying customers? How could
they divide the £20 windfall so that everyone would get his ‘fair
share?’ They realized that £20 divided by six is £3.33. But if they
subtracted that from everybody’s share, then the fifth man and the
sixth man would each end up being paid to drink his beer. So, the bar
owner suggested that it would be fair to reduce each man’s bill by
roughly the same amount, and he proceeded to work out the amounts
each should pay.

And so:

The fifth man, like the first four, now paid nothing (100% savings).
The sixth now paid £2 instead of £3 (33%savings).
The seventh now pay £5 instead of £7 (28%savings).
The eighth now paid £9 instead of £12 (25% savings).
The ninth now paid £14 instead of £18 (22% savings).
The tenth now paid £49 instead of £59 (16% savings).

Each of the six was better off than before. And the first four
continued to drink for free. But once outside the restaurant, the men
began to compare their savings.

“I only got a pound out of the £20,”declared the sixth man. He
pointed to the tenth man,” but he got £10!”

“Yeah, that’s right,” exclaimed the fifth man. “I only saved a
pound, too. It’s unfair that he got ten times more than I!”

“That’s true!!” shouted the seventh man. “Why should he get £10 back
when I got only two? The wealthy get all the breaks!”

“Wait a minute,” yelled the first four men in unison. “We didn’t get
anything at all. The system exploits the poor!”

The nine men surrounded the tenth and beat him up.

The next night the tenth man didn’t show up for drinks, so the nine
sat down and had beers without him. But when it came time to pay the
bill, they discovered something important. They didn’t have enough
money between all of them for even half of the bill!

And that is how our tax system works. The people who pay the highest taxes
get the most benefit from a tax reduction. Tax them too much, attack them for
being wealthy, and they just may not show up anymore. In fact, they
might start drinking overseas where the atmosphere is somewhat
friendlier.

[sorry for going OT]

[pisquano]

RSA echoice
http://www.echoice.com/home

[bam_bam]

Welcome to bam_bam economics 101.

Totally agree!

Here's another way of looking at economics:

Blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla

blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla

blablablabla
blablablabla

[sorry for going OT]

Never apologise for going off topic, it's a sign of weakness and you'll be surrounded by social peers and beaten for your beer money.

RSA echoice
http://www.echoice.com/home

Find some mod friendly insurance.

[Steve_C]

Here's another way of looking at economics:

Blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla

blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla
blablablablablablablablablablablablablablablabla

blablablabla
blablablabla

That's how politicians view economics!

[pisquano]

RSA echoice
http://www.echoice.com/home

Find some mod friendly insurance.

thanks but had checked already (http://forum.rs246.com/viewtopic.php?f= ... e&start=15) and these lads require the car to be garaged

[Steve_C]

Have you tried Admiral? I'm with them and they cover mods and don't require a garage.

[pisquano]

they just quoted me £2300 over the phone...ridiculous

[ShaneyB]

Adrian Flux??

A long time in the past I know 4 mates who haven't declared a remap. Two out of those four also had claims for one reason or another with no detremental consequences (one was a full write off). At no point did the insurers or police check the ECU or put the car on a rolling road to test the cars for any power gains.

If it was a physical chip or other mod ie exhaust, manifold, turbo's then I would declare it but an undetectable software code which will get you up to stock figures?

We're ripped off enough in this country as it is without paying for something that is pretty much undetectable.

Remember a remap also improves the overall performance of your car (fuel economy, fuel mixture etc) not just bhp.

My opinion will no doubt annoy some but who cares, I pay my way.

Rant officially over.

[pisquano]

thanks Shane that's what I think too... what cars were your friends driving? I guess if someone is involved in an accident driving an RS4 that's more likely to call for a check than having driven a Skoda, if you see what I mean..

but here's an extract from the MRC FAQs:
"Does tuning affect my warranty/ Is it visible by the dealer?
No Matter what anyone says a tuned car can be dected if looked for hard enough, either by test drive and logging, or inspection of ecu contents. You should consult you warranty company on tuning"

they refer to warranty (by the way I don't know what Warrantydirect's policy is for modifications) and not insurance but still...

so...as much as I think it's very unlikely, in the event it IS detected, you then are in deep deep <beep>...

[ShaneyB]

One was a 996 911 (550bhp I think) and the other a B5 400bhp S4 Avant so both well tuned and not just remaps.

If you were caught doing 170mph on the A40 I'm sure they would examine your car with a fine tooth comb but if your car was stolen would they have any reason to go through the ECU (that's even if it's recovered of course).

No offence to Scooby's etc but I think the RS4 is a class car and less likely to be suspicious than the Jap cars for instance which are renowned for silly mods.

I'm not saying 'Don't declare your remap' if you get it done as loads of people do with little financial penalty from their insurers. Finding the right insurer is the key who won't rape you as soon as they hear the word 'modified'.

[Steve_C]

they just quoted me £2300 over the phone...ridiculous

Okay, there must be something else about you that they don't like (post code?). My Admiral premium was about £500 with mods and on a driveway.

[Steve_C]

Assuming it is post code, do you know anyone who lives in a low risk post code? Try getting a quote using their address and see what the difference is. I used to insure my car at my parents address which saved my £loads when I was a penniless student.

Of course, I'm not advocating telling the insurance company you live at an incorrect address - although which risk is worse - not telling them about a mod that was done or saying you live somewhere else?