“Can insurance determine if a car has been remapped?” is a question that many motorists have. It is possible that they will learn the truth.
Insurers do not inspect vehicles prior to providing coverage, thus your insurer will not routinely check your vehicle for remapping, despite the fact that some policies may state that the insurer has the right to inspect a vehicle if they so choose.
However, if you file a claim and your automobile is damaged, a mechanic can examine the engine’s electronic control unit to see if it has been remapped (ECU). Any alterations will be disclosed to the insurance by the garage in a damage inspection report.
What Is Remapping an Engine?
Remapping an automobile is a simple and reasonably cost-effective procedure that involves making a small adjustment to the microchip in the ECU in order to erase the manufacturer’s factory settings and improve performance. Read the full details about remapping, pros of remapping and downsides of remapping on your insurance here.
Insurance companies consider remapping to be a modification, thus you must notify them if the ECU in your vehicle has been modified. Non-disclosure may result in the cancellation of your insurance coverage as well as the denial of any claims you make.
While failure to disclose is not a criminal offense, driving without valid insurance is, and you may be subject to criminal prosecution if you do not disclose your identity.
Can You Tell if a Car Has Been Remapped?
Without first arranging for your vehicle to be remapped, it would be difficult to determine whether or not this has already occurred in your case. You could, on the other hand, keep an eye out for a sticker that engineers frequently place on cars to indicate that they have been remapped. Please keep in mind that this may have been removed at some point..
If you drive a used car, it is your responsibility to determine whether or not the vehicle has been remapped. You can do this by speaking with the previous owner or by taking the vehicle to a mechanic. If this has happened, you must notify your insurance company. Ignorance is no longer an excuse!
Will Remapping Increase the Price of My Cover?
The cost of your insurance will increase as a result of the remapping. This will vary depending on how much of an improvement in performance the remapping has made to the vehicle. If there is a significant increase in braking horsepower, this will result in a greater increase in premium. If the upgrade only improves the vehicle’s overall performance while having little or no effect on its power, the boost will be negligible.
Do I Need Remapping Car Insurance?
If you have had your automobile remapped, your basic auto insurance will not cover your vehicle anymore. For a modified vehicle, you’ll need a particular insurance coverage, and it’s better to go with a specialist insurer.