What is the Process of an Insurance Claim After Car Remapping?

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Car remapping, chip tuning, or engine tuning is modifying a car’s engine control unit (ECU) to improve its performance, fuel efficiency, or both. However, when you modify your car’s engine, you must inform your insurer or risk invalidating your insurance policy. Before deciding on a Mini Cooper S R56 remap, it’s important to research reputable and experienced remapping companies to ensure that your car is in good hands. In this article, we’ll look at the process of making an insurance claim after car remapping in the UK.

The Process of Making an Insurance Claim After Car Remapping

1. Disclosure of Car Modifications After an Accident

If you’ve modified your car’s engine, and you’re involved in an accident, you must inform your insurer, even if the accident was not your fault. Please disclose any modifications to your car to avoid your insurance claim being reject.

2. Claims Process with Modified Cars

Once you’ve notified your insurer of the accident, they will assign you a claims handler to manage your claim. The claims handler will ask you for details of the accident, such as when and where it occurred, who was involved, and the extent of the damage to your car. They will also ask you if your car has been modified, including whether it has been remapped.

3. Impact of Remapping on Insurance Claims

If your car has been remapped, your insurer will need to determine whether the modification affected the cause of the accident. For example, suppose you were involved in a collision because you were speeding, and the remapping increased your car’s performance. 

4. Remapping and Accident Causes

However, if the remapping did not affect the cause of the accident, your insurer will likely payout for the claim. For example, suppose you were involve in an accident because another driver ran a red light. In that case, your insurer will not consider your car’s remapping a contributing factor and will pay for the damage.

5. Insurer Policies on Modified Cars

It’s important to note that insurers may have different policies when it comes to car remapping, and some may refuse to provide cover for modified cars. Therefore, it’s essential to inform your insurer of any modifications you make to your car, including remapping, to avoid invalidating your policy.

How Does Car Remapping Affect Your Insurance?

Car remapping can affect your insurance premium in several ways. Firstly, it can increase the performance of your car, which can increase the risk of an accident. If your insurer considers your remapping a significant risk factor, they may increase your premium to reflect this.

Secondly, It add car value after insurance claim after car remapping. If your car is stolen or written off, your insurer will pay out the market value of your car at the time of the incident. If your car has been remapped, it may be worth more than a standard model, resulting in a higher payout from your insurer.

Finally, some insurers may refuse to cover modified cars, including those that have been remapped. If this is the case, you must find an insurer specializing in covering modified cars or seek specialist insurance, which can be more expensive than standard car insurance.

How to Choose an Insurer for Your Remapped Car?

If you’ve remapped your car’s engine, choosing an insurer that understands the risks and benefits of car remapping is important. Here are some tips to help you choose the right insurer for your remapped car:

1. Look for Specialist Insurers:

Some insurers specialize in covering modified cars, including those that have been remapped. These insurers may offer better cover and premiums than standard insurers.

2. Read the Policy Carefully:

Before choosing an insurer, read it carefully to ensure it covers your remapped car. Look for any exclusions or restrictions that could affect your cover.

3. Compare Quotes:

To ensure you get the best deal, comparing quotes from different insurers is important. Use comparison websites or work with a broker specializing in modified car insurance to get a range of quotes to compare.

4. Check the Excess:

The excess is the amount you’ll need to pay toward any claim you make. Ensure the excess is affordable and reasonable, as some insurers may charge higher for modified cars.

5. Consider Additional Cover:

Depending on the insurer, you can add additional cover to your policy, such as breakdown cover, legal protection, or personal accident cover. Consider which additional cover is relevant to you and your car.

6. Check the Insurer’s Reputation:

Finally, it’s important to check the insurer’s reputation before choosing them.

Conclusion:

Car remapping can improve your car’s performance and fuel efficiency. But it’s important to inform your insurer to avoid invalidating your policy. If you’re involved in an accident, your insurer will need to determine whether the remapping affected the cause of the accident before deciding whether to pay out for the claim.