|
|
|
|
|
|
BMW Garage | BMW Meets | Register | Today's Posts | Search |
|
BMW 3-Series (E90 E92) Forum
>
Insurance after remaps
|
|
10-01-2008, 04:41 PM | #46 | |
Private First Class
1
Rep 112
Posts |
Quote:
Newer vehicle higher depreciation costs than the older car that other reduced running costs will not compensate for. Trouble is used cars have taken a big hit recently so selling up now results in a big loss. To redress the balance you need to keep a car longer. |
|
Appreciate
0
|
10-02-2008, 08:17 AM | #47 |
The Tarmac Terrorist
957
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
how old are you again?
how old am i again LOL
__________________
997.2 GT3
|
Appreciate
0
|
10-02-2008, 09:54 AM | #48 |
Major General
364
Rep 5,984
Posts |
Insurance comapny will check if you are in an accident, it is easy for them to do it and could save them hundreds if not thosuands!
I always say that it has increased it by 10%, easy to prove it has been fiddled with, not so easy to see by how much. |
Appreciate
0
|
10-02-2008, 11:01 AM | #49 |
Colonel
75
Rep 2,937
Posts |
First thing I did with my last 320d E91 that was written off in March was rip open the mashed bonnet and remove the tuning box, even though the accident wasn't my fault. Best thing about a tuning box being plug and play. Which is why a switchable remap as discussed on the 'Guys at Evolve' thread would be useful. If you can switch or self remove the map BMW and insurance companies will find it harder to prove you 'tuned' it highly.
A plug and play OBD connecting box would be spot on to reflash the desired map. |
Appreciate
0
|
10-02-2008, 11:54 AM | #51 | |
Private First Class
17
Rep 134
Posts |
Quote:
by then [hardly any miles on it though] and bmw's extended warranty is not very good value, I have got to try and time it so i can still afford a new bmw or else i will have to keep this one until its time for the dreaded Micra, that what most pensioners seem to drive anyway! god forbid, and ive got to have an excuse for another new car!!, convinced the wife this is logical lol |
|
Appreciate
0
|
10-02-2008, 01:42 PM | #52 | |
The Tarmac Terrorist
957
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Quote:
What if you were knocked out with broken legs and arms, who would you ask to remove the device? the paramedic LOL. Gizze, if BMW cant tell its been mapped how do the insurers out of interest? Id understand on a modifed motor like a cossie, with a massive 'cooler and shiny bits under the bonnet and a T66 turbo etc. But on a stock looking 320d for instance?
__________________
997.2 GT3
|
|
Appreciate
0
|
10-02-2008, 02:36 PM | #53 | |
Major General
195
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
Quote:
My mods cost me the princely sum of £26.01, my renewal just came through and for an extra £400.00 the rest of the car is covered too! |
|
Appreciate
0
|
10-02-2008, 02:39 PM | #54 | |
Captain
42
Rep 822
Posts |
Quote:
If they don't have a reason to go looking at your checksum values, they won't. If a multiple thousand £ claim depends upon it (either warranty or insurance claim) they will have a dig around to see what they can find. BTW - I have just been quoted by Direct Line and A-Plan for a +20% tune on my 335i and they were both very reasonable. A-Plan were best at £100 more than my cheapest 'stock' quote, so I'm very happy - I'd better get that JB3 installed now then . |
|
Appreciate
0
|
10-02-2008, 02:43 PM | #55 | |
Captain
22
Rep 639
Posts |
Quote:
I can see this happening on a one off job if you're a serial claimer, and if the car looks to have been modded elsewhere (exhaust, IC etc) or (flame suit on) an M3 driven by a youngster; but in my unfortunate experience putting my modded Impreza through a dry stone wall, the assessor was in and out fairly quickly. To me, a Scoob is a prime target to pick a hole in your claim and refuse to pay out, but with a standard BMW, I'd see you as very, very unfortunate to get pulled and inspected so closely... |
|
Appreciate
0
|
10-02-2008, 02:44 PM | #56 | |
Major General
364
Rep 5,984
Posts |
Quote:
The problem will come when all work has to be passed by BMW AG before it can be started, doesn't matter how friendly your dealer is then, it won't be up to them. |
|
Appreciate
0
|
10-02-2008, 02:52 PM | #57 | |
Major General
195
Rep 6,110
Posts
Drives: Don't know yet!
Join Date: Jul 2007
Location: UK
|
Quote:
OK most dealers won't go looking for one + they rarely have the time or inclination, but things could well be different if an insurer is looking for a means to avoid a big payout. If you pay to gain, why not cover with insurance what could be a potential life destroyer. |
|
Appreciate
0
|
10-02-2008, 03:03 PM | #58 | ||
The Tarmac Terrorist
957
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Quote:
Quote:
a law suit of hundreds of thousands.
__________________
997.2 GT3
|
||
Appreciate
0
|
10-02-2008, 03:26 PM | #59 | |
Captain
42
Rep 822
Posts |
Quote:
With a remap, the most likely way a dealer can tell that the ecu has been remapped is through the use of checksums within the software - this is a form of validation check commonly used by software engineers. When stock parameters are changed - the results of a checksum are invalid and alarm bells start ringing. By reflashing the ecu back to stock, the relevant parameters are at their stock values and will therefore pass the checksum validation process. When people remove their piggyback modules, that is to remove the physical presence of add on hardware. Once removed it is believed that there are no signs stored within the ECU to suggest that one has ever been installed (unless error codes are stored resulting from boost related limp mode conditions - these can cause problems for reflashes and piggyback tunes). One further safeguard that I would recommend is to give the dealer your spare key when you take your car in. The key does have some storage capability and it is thought that it will store error code data, even if they have been previously removed from your ECU using an OBD scanner - however, this data is not transfered from one key to another. Last edited by Yahoo; 10-02-2008 at 04:05 PM.. |
|
Appreciate
0
|
10-02-2008, 04:02 PM | #60 |
Captain
22
Rep 639
Posts |
Surely we're talking percentages here.. what about an incident where you're unable to get the BlackBox out?
If you're hurt or it's a big incident then maybe you won't have the time... OK, OK.. all speculative I know, but in these cases you're probably more likely to have a box discovered. End of the day it's a no brainer.. declare it and be 100% sure you're safe whatever happens.. |
Appreciate
0
|
10-03-2008, 08:48 AM | #61 | |
The Tarmac Terrorist
957
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Quote:
Very interesting information you have, how accurate and valid is it? Where did you source this information? or do you have this info due to your own experiances.
__________________
997.2 GT3
|
|
Appreciate
0
|
10-03-2008, 10:44 AM | #62 |
First Lieutenant
44
Rep 379
Posts |
Taking a chance that you might void your warranty is one thing, but taking a chance that you might void your insurance is IMHO a much more serious risk.
I chose to inform my insurance company, and it added appx £100 to my annual premium, but well worth it for peace of mind. As previously stated, in the case of a serious accident, insurance companies are looking for any valid excuse to not pay out, and that just isn't worth the risk IMO. That reminds me, my insurance renewal is due soon, and I'm not 100% sure if the remap got overwritten or not ... argh, I need to find somewhere safe to time a few 0-60 runs.
__________________
2018 G30 520d M Sport with M Sport Plus - Mediterranean Blue
Previously: 2015 F32 430d M Sport, 2012 F10 520d M Sport, 2009 E92 320d M Sport, 2006 E92 335d, 2004 E60 530d, 2000 E39 525d, 1997 E39 523i |
Appreciate
0
|
10-03-2008, 11:33 AM | #63 | |
The Tarmac Terrorist
957
Rep 29,345
Posts
Drives: 997.2 GT3
Join Date: Mar 2007
Location: ''Fandango Towers''
|
Quote:
if you had a software update its gone. The fact you question it prob means its gone. If it a company that maps for free again just book it in.
__________________
997.2 GT3
|
|
Appreciate
0
|
10-03-2008, 11:40 AM | #64 |
Banned
77
Rep 2,927
Posts
Drives: E60 530D M SPORT
Join Date: Feb 2006
Location: england
|
thats what i thought carl, but its 3 years or 30000mls, warrenty not life time as i thought i had to pay £100 to have it back on
|
Appreciate
0
|
10-03-2008, 01:25 PM | #65 |
Major General
573
Rep 7,519
Posts
Drives: 2009 E90 335i MT
Join Date: Mar 2006
Location: Vinton, Virginia
|
As far as I know I don't talk in my sleep although I do have to admit I've never stayed awake to find out.
__________________
2009 E90 335i Montego Blue · Black Leather · Burl Walnut · 6MT · US Spec
SatNav • ZPP • ZCW • 6FL • TPMS • iDrive • PDC • HWS • Xenons • BMW Assist • Power Rear Sunshade • Logic 7 European Taillights • Rear Foglamp • OEM Alarm • PicoTray • DataToys XM-DVR • Multi-view Processor Quaife ATB LSD • Short Shift Knob • Hartge Anti-Roll Bars • AP Racing Front Brakes • 19" Style 269 |
Appreciate
0
|
10-03-2008, 01:36 PM | #66 | |
Captain
42
Rep 822
Posts |
Quote:
The information about checkdigits and software validation processes come from a number of sources. Checkdigits and software validation processes are common place in many software applications - I have researched this in some depth in order to teach it at A-Level. If you want to know about the validity of my description about the use of checksums in ECU software do a google search on 'ECU checksum'. You will find a lot discussion about and products associated with trying to correct invalid checksums in ECU applications. This indicates their use in ECU software and I wouldn't trust any 3rd party software that claims to correct invalid checksums - it would be so easy for a manufacturer to hide or change the parameters used to calculate checksums that a 3rd party just can't guarantee a fool proof solution. |
|
Appreciate
0
|
Bookmarks |
Tags |
insurance, remap |
|
|