MK5 Golf GTI
All Things Mk5 => Mk5 General Area => Topic started by: Craigh1983 on March 05, 2014, 07:26:30 pm
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Just been sorting out my car insurance and I decided to tell the woman on the phone that I have a remap as she asked about modifications. She told me that due to that, they cannot cover me.
I was wondering does anyone else declare their remap and if I don't declare it, is there any way they can tell that I have one should I make a claim in the future? My remap is a stage 1 R-Tech map.
Thanks
Craigh
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If you mod it, declare it.
If they don't cover what you want them to cover, move insurers..
I'm guessing it's the admiral group that's said no?
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If you mod it, declare it.
If they don't cover what you want them to cover, move insurers..
I'm guessing it's the admiral group that's said no?
Nah it was Axa. I did think about then going online and doing it online lol but I thought if I do need to make a claim then they may find it? Thing is it takes the premium up by a huge amount saying that I have a remap.
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Take the remap off if you cant afford it.
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Or buy mu bluefin it's on and off in a flash when required :fighting:
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Admiral don't cover remaps.. Only cover chips so I have to wait till this time next year for my remap :sad1:
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Best declaring. You won't forgive yourself if you have to claim and then your insurance company won't pay out because you didn't declare the mod.
I switched recently as I wanted to get a stage 1 remap
Try The insurance section for mod friendly insurance companies
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What's the reg of your car?
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What's the reg of your car?
Why do you need that?
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What's the reg of your car?
Why do you need that?
Just with you being foolish enough to state that you would change insurers and not declare your remap, I thought you might be stupid enough to put your reg on here... :congrats:
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I had just renewed my policy with Hastings direct then I got a remap . I rang them to tell them
And they would not cover it , so I rang sky insurance from this forum and with my mods declared
It was cheaper that before :happy2:
Oh that's good then.
I will give them a call!
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How old are you mate??
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Just been sorting out my car insurance and I decided to tell the woman on the phone that I have a remap as she asked about modifications. She told me that due to that, they cannot cover me.
I was wondering does anyone else declare their remap and if I don't declare it, is there any way they can tell that I have one should I make a claim in the future? My remap is a stage 1 R-Tech map.
Thanks
Craigh
Elephant allow you to select modifications from a list when you apply for a quote. A remap doesn't usually add a great deal.
Many people probably don't declare remaps but in the event of an incident it wouldn't surprise me if they checked, any excuse not to pay out!
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How old are you mate??
31 this year.
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How old are you mate??
31 this year.
Not you lol, the op.
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Swap to an insurer that actually understands modifying - like Greenlight! They actually tell me what mods to do next :laugh:
Mine was cheaper as a modified car than I was getting on confused.com for a stock car. :signLOL:
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How old are you mate??
31 this year.
Not you lol, the op.
I'm guessing the 1983 gives it away :signLOL:.
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What is your dogs name?
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What is your dogs name?
Chop.
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How old are you mate??
31 this year.
Not you lol, the op.
I'm guessing the 1983 gives it away :signLOL:.
I thought that but you never know lol
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Swap to an insurer that actually understands modifying - like Greenlight! They actually tell me what mods to do next :laugh:
Mine was cheaper as a modified car than I was getting on confused.com for a stock car. :signLOL:
I will make a few calls tomorrow. I didn't know there were even insurers that specifically covered modified cars. Would be great if I got it cheaper than on money supermarket!
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Sorry, but i would always enquire FIRST before doing the mods then you would know. If you cant afford the insurance then do not do the mods! :happy2:
What happens if you hit someone, your in effect driving with no insurance as your policy is VOID. :happy2:
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Swap to an insurer that actually understands modifying - like Greenlight! They actually tell me what mods to do next :laugh:
Mine was cheaper as a modified car than I was getting on confused.com for a stock car. :signLOL:
They're great peeps. I had a conversation with one of their team about "which Stage 2+ map"! :notworthy:
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Sorry, but i would always enquire FIRST before doing the mods then you would know. If you cant afford the insurance then do not do the mods! :happy2:
Correct. Before I bought my exhaust I rang insurance company to check price. Same with my remap
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Swap to an insurer that actually understands modifying - like Greenlight! They actually tell me what mods to do next :laugh:
Mine was cheaper as a modified car than I was getting on confused.com for a stock car. :signLOL:
They're great peeps. I had a conversation with one of their team about "which Stage 2+ map"! :notworthy:
Hope they mentioned Niki :grin:
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^^^^ That was the WHOLE conversation (on my part) re generic maps or custom maps. :happy2:
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all my mods are declared to my insurance adrain flux
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all my mods are declared to my insurance adrain flux
+1. Wish my insurance chatted about next possible mods, id be on the phone to them daily :signLOL:
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I am with Brentacre and they have like for like mod replacement.
I phoned up on Saturday morning and added £3k worth of mods and it cost me... £0.
An increased power limit to 280bhp is £130 extra (which was for 10 months at the time).
22 with 3 years NCB
Then again insurance is so personal that someone else with exactly the same scenario as me but who lives in a different town could be double the price of half as much or not covered by the same company... just shop around specialist insurers and insure your modifications LEGALLY.
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I am with Brentacre and they have like for like mod replacement.
I phoned up on Saturday morning and added £3k worth of mods and it cost me... £0.
An increased power limit to 280bhp is £130 extra (which was for 10 months at the time).
22 with 3 years NCB
Then again insurance is so personal that someone else with exactly the same scenario as me but who lives in a different town could be double the price of half as much or not covered by the same company... just shop around specialist insurers and insure your modifications LEGALLY.
I rang Brentacre just before i got the gti. They quoted me 2k and that was like for like which is what Jay said. Considering being 20, having 1 years NCB i thought that was reasonable. Unfortunately i couldn't afford that policy and the gti so i went with Admirial. Will have to wait till i can do power mods, but i may ring up some insurers later and maybe cancel my current policy.
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i am going to this month , cost £20 more pushing it up to a mighty £190 lol
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So then, who on here needs to own up........
(https://www.mk5golfgti.co.uk/forum/proxy.php?request=http%3A%2F%2Fi1049.photobucket.com%2Falbums%2Fs399%2Fmcaborn%2Fpicture%2520jokes%2F27bdba4206c34c6c55aec5e201ce1a72_zpsbc8e9d04.jpg&hash=f0a800a778188ea05006c38c07103e04a5f13287)
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I'm hoping to be getting quotes for under the £400 mark. The only mod I have is the remap so will be interesting to find out and I also have 9 year ncb.
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Just got a quote from Adrian flux which is the cheapest at £375.
They told me that they are the broker and I would be insured by a company called markerstudy.
Anyone ever heard of them?
Cheers
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Got mine covered with Greenlight £500 inc Revo Stage 1. 9 years ncb. Spent more time chatting about a 1400bhp truck they've got on the books than discussing insurance bits :D
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Just got a quote from Adrian flux which is the cheapest at £375.
They told me that they are the broker and I would be insured by a company called markerstudy.
Anyone ever heard of them?
Cheers
Same as me pretty much, Markerstudy are a massive underwriter
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always best to tell about everything guys,i nearly learnt about it the hard way last year with my evo after not telling them about my rod job,luckily i had the receipt to say the work was done the day before and got my payout
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I'm with Markerstudy too, but via Greenlight. Not had any problems in 2 years, but it's when you have to claim that you find the real quality of your insurer.
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yep thats right,i was with and still with pace ward via chaucer and they were very very good with me
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So then, who on here needs to own up........
(https://www.mk5golfgti.co.uk/forum/proxy.php?request=http%3A%2F%2Fi1049.photobucket.com%2Falbums%2Fs399%2Fmcaborn%2Fpicture%2520jokes%2F27bdba4206c34c6c55aec5e201ce1a72_zpsbc8e9d04.jpg&hash=f0a800a778188ea05006c38c07103e04a5f13287)
I've done that a few times I have to admit especially when I was young lol.
I used to own a Corsa GSi with the 2ltr 16v XE fitted yeeeeeeears ago and was stopped by a biker cop for a thorough check over of the car, engine bay the works and he thought it was still the 1.6 16v. Was bricking it slightly until he closed the bonnet and sent me on my way lol.
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Greenlight quoted me £926 with or without remap
Admiral quoted me £767 without
I took admiral so no remap til next year :sad1:
Being 21 isn't all that great you know!
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Greenlight quoted me £926 with or without remap
Being 21 isn't all that great you know!
....Really? - Greenlight ONLY insure modified cars as I understand it. Also, I don't think they are that keen on insuring drivers under 25yo but I'm not so certain about that aspect.
I am about to start my fifth year with Greenlight and my list of mods is longer than an A4 page can list.
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Yeah, unfortunately I use my car for 13,000 miles a year (including 1000) business, that teamed with being 21 that's all they could offer.
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Well in the end I went with sky insurance and the underwriter is groupama?
Got it for £370 with £300 excess :) Very pleased with that! :happy2:
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Greenlight quoted me £926 with or without remap
Being 21 isn't all that great you know!
....Really? - Greenlight ONLY insure modified cars as I understand it. Also, I don't think they are that keen on insuring drivers under 25yo but I'm not so certain about that aspect.
I am about to start my fifth year with Greenlight and my list of mods is longer than an A4 page can list.
They insured mine as stock, and then didn't charge me as I bolted bits on.
Fantastic insurer :notworthy:
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Well in the end I went with sky insurance and the underwriter is groupama?
Got it for £370 with £300 excess :) Very pleased with that! :happy2:
i had a quote of sky today with all mods declared,even the led bulbs inside lol,stage 2+ £300 excess £495
thats with my accident last year also
very pleased
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I have been with Adrian flux for years and they are quite helpful when it came to mods.
My latest question to them was, what changes do making the chassis notch on my car make to my policy?
Their answer was no changes as I am already on a modified policy!
Bonus so I can look into getting lower.
Give them a call and see how you get on
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I'm with Adrian Flux and I must say, they have been excellent the past 2 years! :happy2:
When i added my coilovers and my exhaust system, they said there would be a charge of £0 :laugh:
Always great customer service and the people that work there, actually understand about owning a modified car.
Think I'll be staying with them for a 3rd year :smiley: :happy2:
I'm 24, with soon to be 6 years NCB. 3 points for a PC30.
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Declare the mods and go with a specialist insurer. A few good ones on here.
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Everything declared in my edition and it actually only went up by a few quid if I remember not like hundreds back in the 90s
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I did some Wireless work for an insurance group last year and I saw a guy reading through a build thread on Edition 38 Forums.
I also saw someone on UK-mkivs.net but didn't say anything to either of them..... we have insurance companies on this very board, and as I said, those and many others do and WILL check forums for vehicles involved in collisions to see if they have been modified.
Do not risk it.... If you can't afford to insure the mods then don't have them.
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I work for an insurance company and can confirm XJAY1337 is speaking the truth!
Use your email or phone nymber on your quote and on a forum... about 3 seconds to find you!
Also... don't forget insurance companies have external investigators... if they see you about they can check your reg too!
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Am I right in think that if you declare all modifications if something does happen and the car is written off the insurer will not only cover the cost of the vehicle but also the mods as well, thus leaving you in the same position you were pre-accident? As far as I'm aware thats how it worked when a guy I work with wrote off his heavily modded Evo 5.
I'm just saying, for the sake of a pretty minor amount of money you'd be left with the costs of your excess and all the mods if you wrote the car off. Also you also run the risk of them voiding your insurance if you had an accident and you car was found to be modified without them knowing, could leave you in some serious mess if that happened.
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^ I think some insurers do a "like for like" thing on mods so they will cover the costs but others will not.
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^ I think some insurers do a "like for like" thing on mods so they will cover the costs but others will not.
I see I guess it probably comes down to how much you want to pay, the guy I worked with was quite a lot older so the basic insurance would have probably been quite low to begin with anyway.
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Am I right in think that if you declare all modifications if something does happen and the car is written off the insurer will not only cover the cost of the vehicle but also the mods as well, thus leaving you in the same position you were pre-accident? As far as I'm aware thats how it worked when a guy I work with wrote off his heavily modded Evo 5.
I'm just saying, for the sake of a pretty minor amount of money you'd be left with the costs of your excess and all the mods if you wrote the car off. Also you also run the risk of them voiding your insurance if you had an accident and you car was found to be modified without them knowing, could leave you in some serious mess if that happened.
That depends on your particular insurance cover.
I had a car which had undeclared modifications before (A corsa) and when crashed at fairly low speed into a Honda Civic, all 3rd party costs were covered (including the injury payout) but I had to cancel my own personal claim - I believe legally you are fully covered third party regardless of your vehicles state of insured modifications. It would just be your own cover through fire, theft or total loss that would be negated.
However happy to be corrected on that.
But my point is that you should either find insurance companies who will cover you like for like with replacements. Or accept that most standard insurance companies don't give a crap about mods so will only replace with standard parts.
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Many people probably don't declare remaps but in the event of an incident it wouldn't surprise me if they checked, any excuse not to pay out!
How would an insurance company check for a remap? :party:
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Very easily.............flash counter for a start, and they can look up fuelling and boost requests, takes 10 minutes.
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Decent tuners now don't alter the flash count. And how would an insurance investigator know what the correct flash count number was?
And I doubt very much they would even know where to look, and even less likely know how to interpret boost an fueling data. Heck - most so called 'master technicians' employed at official VAG garages wouldn't know this aspect, and they'd only know the correct flash count if they hooked up the car in question to their VAS5051 - AND a live data link to VWAG in Wolfsburg.
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Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
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Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
Huh - my line of thought was NOT questioning the need to inform insurers of mods - my line of thought was merely to explore how you think insurers would have (a) the appropriate tools, (b) the technical know-how, and (c) know what the OEM baseline figures are - to specifically check for remaps? :fighting2:
Your last reply was a bit out of order - doncha think? :confused:
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Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
Huh - my line of thought was NOT questioning the need to inform insurers of mods - my line of thought was merely to explore how you think insurers would have (a) the appropriate tools, (b) the technical know-how, and (c) know what the OEM baseline figures are - to specifically check for remaps? :fighting2:
Your last reply was a bit out of order - doncha think? :confused:
Perfectly reasonable response!
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Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
Huh - my line of thought was NOT questioning the need to inform insurers of mods - my line of thought was merely to explore how you think insurers would have (a) the appropriate tools, (b) the technical know-how, and (c) know what the OEM baseline figures are - to specifically check for remaps? :fighting2:
Your last reply was a bit out of order - doncha think? :confused:
Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
Welcome Back Shaun...it's been a long time ole friend. Hope your in good Heath mate :happy2:
Go easy on XJay :wink: :laugh:
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Welcome Back Shaun...it's been a long time ole friend. Hope your in good Heath mate :happy2:
Go easy on XJay :wink: :laugh:
....Ditto! Welcome back and I trust that your presence is a good sign of your health.
Some of these young dudes now here aren't going to know what's hit them!! :evilgrin:
Btw, there is now a new Admin team here.
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Welcome back Sean. Echo RR's comments above.
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Okay.
Map your car, crash it and find out. Because you "doubt it" :)
:sick:
Huh - my line of thought was NOT questioning the need to inform insurers of mods - my line of thought was merely to explore how you think insurers would have (a) the appropriate tools, (b) the technical know-how, and (c) know what the OEM baseline figures are - to specifically check for remaps? :fighting2:
Your last reply was a bit out of order - doncha think? :confused:
The line of thought was implying that you could get away with not declaring your remap on the basis of your personal doubt that the insurance company would not be able to detect it.
Anyone with any sort of remapping tool can download a map and display extrapolated power/torque graphs.
a) tools which you can download for very low cost if you know where to look - such as WinOLS
b) It's not hard to tell if a car is mapped - requested fuel and boost levels do not take a genius to work out
c) the standard baseline figures which are published everywhere when the vehicle is released.
True story: A quick search came up with a Mr Jeffries of Widnes England who was prosecuted at Crown Court in 2005 November.
Mr Jeffries had been driving a 2002 registered Astra Turbo sports car when he crashed into a parked car on Trafford Road at 11.35pm on June 16th.
Mr Jeffries was arrested at the scene with a female passenger and charged with driving with undue care and attention but in a landmark case Mr Jeffries was also charged with driving without insurance due to his extensively modified car.
Mr Jeffries had not informed his insurers N.I.G about modifications he had performed to his car including alloy wheels and an engine power upgrade.
N.I.G had checked the car for alterations and found the car to be producing in excess of 20% more power than it was originally built with and Mr Jeffries had failed to inform them accordingly.
Mr Jeffries was filed with additional charged of "Gaining pecuniary advantage", "Driving without a valid insurance certificate" and "Failure to notify".
He was banned from driving for 12 months, given 120 hours community service and ordered to pay �4300 compensation and court costs totalling �840.
N.I.G commented "We are becoming increasingly aware of people altering there vehicles without informing there brokers/underwriters and we will take appropriate action to stop this trend from spreading"
More info: http://uk-mkivs.net/topic/5799-do-dealersinsurers-ever-check-for-remaps-routinely/?p=312890
And the fact, as I've mentioned, I have seen FIRST HAND that insurance companies will check online for peoples "build threads" where the minute you say you've got a remap then your policy is void regardless of the debatable fact whether they can prove it or not. If in any doubts insurance company can (and have) removed the ECU's from cars and sent them to tuners for bench testing which will immediately reveal any modifications to the standard engine map.
As I've said before you should declare EVERYTHING and if you are not in a position to pay for this then don't do the modification. We have insurers who support this forum, who will go to the ends of the earth to help you insure your mods legally, but will crap on you from such a height if you break the rules. At my "young dude" age it would have cost me I think it was £180 to add a 280bhp power limit, for the remaining 10 months of the policy that I had at the time.
Every single mod on my car is declared and I would strongly recommend to anyone else reading that they do the same. It's not worth it.
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Go easy on XJay :wink: :laugh:
I bruise easily :sad1: :sad1:
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I vaguely remember on here reading about a tuner who had been approached by/carrying out on behalf of insurance companies to investigate cars involved in claims to find out if they was mapped/modified or not
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I remember that. The tuner declined the offer.
I can't imagine insurance companies checking every single car for remaps, but they may be more likely to do so for certain cars eg hot hatches, sports coupes ets, or if they suspect the car has been modified eg in the story above, the driver had changed his wheels. That alone would open up suspicion for more undeclared modifications.
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Just do it, you may be pleasantly surprised..
I decided to declare my mods this year to Adrian Flux, they added my missus and beat my lowest quote (unmodified) from go-compare...
Not sure who i ended up with or whether its like-for-like but at least I'm legal now ;)