Stage 1 remap insurance revisited ... - Audi A5 Forum & Audi S5 Forum
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post #1 of 9 Old 19th May 2017, 04:43 AM Thread Starter
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Stage 1 remap insurance revisited ...

Last year we (or at least some of us) had a discussion on [UK] Insurance possibilities when one remaps the ECU, see here. Now my 2014 S5 has just ran out of manufacturers warranty it is time to consider a Stage 1 remap.

Last year I already preliminary called my insurer elephant and basically checked if they would cover this and had to explain to the guy on the phone what a stage 1 remap was: at that moment in time he informed me that it could be covered for about 70 quid extra which I thought was 'acceptable'. I am now due an insurance renewal soon and thought let me ask the question again as I do want to remap it this summer. Long story short the Elephant guy told me: "we could cover a chip modification for only 25 quid extra but we don't insure remaps as they are more risky".

So I personally think it is a lot of BS but insurers being insurers they will make the rules up as they go along . So I want to check in with you guys on recommendations who to contact for an S5 insurance with a S1 remap that wont break the bank. Other important insurance requirements for me: 2nd driver, Europe trips cover, NCB protection.

Thanks for your advice ...

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post #2 of 9 Old 19th May 2017, 05:27 AM
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Try Adrian Flux

Try Adrian Flux. They specialise in modded insurance.

When I was umming and aahing between an A5 3.0 TDI and S5, the insurance quotes for both were remarkably similar in pricing. (went with the 3.0 TDI in the end but that's another story)

I decided to look at modding immediately, so got a quote from Adrian Flux, told them what my regular insurer was quoting me on my normal insurance. Adrian Flux were able to not just match it but beat it!!!

I'm in my mid-30s though so that may be why my quote was so reasonable, or maybe it's just beceuse I'm a new customer.

Give them a shot. The reps are super helpful, very pleasant to deal with so far.

Generally speaking, they said that most aesthetic mods won't affect price much but if you increase your engine performance then it will increase your insurance premium.
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post #3 of 9 Old 19th May 2017, 06:13 AM
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UK insurance for stage 2 modded S5. Help needed
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2016 S5 BE | APR stage 2 | ADS with sports diff, active dampers & dynamic steering | AWE resonated touring | 034 rear sway bar | Canyon Run CR-15 strut brace | 20 x 9J 5-double-spoke (summer)/19 x 8.5J Y spoke in gunmetal (winter) wheels.
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post #4 of 9 Old 19th May 2017, 08:47 AM Thread Starter
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Quote:
Originally Posted by arad85 View Post
Being 52 makes me too young to go for Saga!

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post #5 of 9 Old 19th May 2017, 10:51 AM
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Just in case you weren't aware "chipping" was when the tuning was done by soldering a microchip (replacement controller or memory device) onto the ECU circuit board. It probably still goes on for older cars and maybe some new ones, but nowadays the vast majority of cars have programmable ECUs, and again the majority can be done via the OBD (diagnostic port). Hence these days "remapping" means replacing the boost/fuel/etc maps within the memory of the existing ECU, i.e. pure software.

Interestingly I came across this web page where the tuner is trying to promote tuning boxes over remapping by referring to the old method where soldering would have been used. I wonder if that's what the agent from Elephant was thinking about, in which case I'd say he was fair to suggest that remapping by soldering is indeed more risky than a tuning box (with the caveat that tuning boxes rely on the ECU to correctly respond to the false signals it provides in a way that does not risk safety or reliability).

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post #6 of 9 Old 19th May 2017, 03:06 PM Thread Starter
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Quote:
Originally Posted by Dippy View Post
JI wonder if that's what the agent from Elephant was thinking about, in which case I'd say he was fair to suggest that remapping by soldering is indeed more risky than a tuning box (with the caveat that tuning boxes rely on the ECU to correctly respond to the false signals it provides in a way that does not risk safety or reliability).
Thanks @Dippy - I was aware of the difference but nice link that you sent. I challenged the man at Elephant on the refusal of them insuring remapped cars and he tried to use the argument that chipping (therefore soldering) was not as risky (to the insurer then I guess) as remapping and that was the reason a remapped car could not be insured by Elephant.

So will have to start shopping around ....

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post #7 of 9 Old 21st May 2017, 03:11 AM Thread Starter
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Quote:
Originally Posted by MdVadrenalinjunkie View Post
Thanks @Dippy - I was aware of the difference but nice link that you sent. I challenged the man at Elephant on the refusal of them insuring remapped cars and he tried to use the argument that chipping (therefore soldering) was not as risky (to the insurer then I guess) as remapping and that was the reason a remapped car could not be insured by Elephant.

So will have to start shopping around ....
UPDATE for everyone interested: I did some calling around yesterday and ended up in an interesting convo with Admiral and here are the results:
* Elephant told me they wouldn't insure it and Admiral did: appears they are one and the same company using different marketing / brand names
* The first Elephant adviser was WRONG despite me challenging him
* I now can get my Elephant renewal and add the remap once performed for less than 40 extra as long as the performance increase is between 11 and 25 %: the adviser on the phone has made a comment on my policy records confirming that!
* Any increase above 25% they wouldnt cover: proof of how much performance has been increased will not be requested for but in case they suspect you have modded it into an F1 car they will try to proof so

Anyway - all good now for me personally and hope this is helpful for other members on the forum too.

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post #8 of 9 Old 21st May 2017, 03:27 AM
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Be careful. These engines are running way under what they are capable of when stock. Stage 1 + TCU remap (which raises the rpm limit hence more peak power) gave me 35% more power. Stage 2 (supercharger pulley + airbox) gave me 52% more power.

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post #9 of 9 Old 22nd May 2017, 02:12 PM Thread Starter
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Quote:
Originally Posted by arad85 View Post
Be careful. These engines are running way under what they are capable of when stock. Stage 1 + TCU remap (which raises the rpm limit hence more peak power) gave me 35% more power. Stage 2 (supercharger pulley + airbox) gave me 52% more power.
Thanks @arad85 - yes I'm aware of that risk. The company that will perform the remap have informed me that they can limit/restrict the power increase when required so i should be safe. Problem might arise when I ever get a new exhaust though but will cross that bridge when I get there.

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