160 remap insurance

harrisop48 · 5th October 2021, 18:07

Trikey recently attached a spec for the M47R Common Rail Diesel engine that showed 114 BHP to 161 BHP. I have copied this but cannot recreate it on this post as I am technical numpty.
BMW, in their wisdom, restricted 75 and ZT to 114 and 131. This was to avoid those Marques from competing with the BMW rear wheel drive offering at 161 BHP.
PhilT4 or Marina Brian managed to secure the 160 BHP remap which transforms the Car. However Insurance companies only base their rates on OEM Spec.
Get a remap done and Insurance companies want to charge you more.

I would like to know how BMW M47R cars compare with a like for like quote.
Do we have anyone such as an Actuary in the Car Insurance business that could investigate this and persuade the Industry that there should be no difference irrespective of original OEM offering.
I live in West London north of Heathrow, currently insured by Adrian Flux. When I want to renew my Insurance I cannot get competitive quotes. Possibly due to Post Code. I know LV has insured another member living in the Countryside. Are there any other Companies that insure the 160 remap?

macafee2 · 5th October 2021, 18:25

From my experience I could only find Adrian flux to insure my remapped car.

why do you think there should be no difference in insurance costs between a standard cdt/cdti and a remapped cdt/cdti? The CDT is a dog as standard.

macafee2

The Rovering Member · 5th October 2021, 19:11

MG Rover is also a defunct manufacturer whereas BMW is still a going concern. So l don't think insurance companies are going to make a comparison between the two.

MSS · 5th October 2021, 19:52

Quote:

Originally Posted by harrisop48

..............

I would like to know how BMW M47R cars compare with a like for like quote.
Do we have anyone such as an Actuary in the Car Insurance business that could investigate this and persuade the Industry that there should be no difference irrespective of original OEM offering.
I live in West London north of Heathrow, currently insured by Adrian Flux. When I want to renew my Insurance I cannot get competitive quotes. Possibly due to Post Code. I know LV has insured another member living in the Countryside. Are there any other Companies that insure the 160 remap?

I can imagine Hayes being quite an expensive area for insuring a car. I originally lived in Cranford nearby. We were in TW5 whereas you are probably in UBx I suspect. Both are similar for insurance risk indicators.

You could go onto a comparison site and do an online quote on a BMW 3 Series of the same age as your car and see how it comes out.

Gut feel tells me that a mapped will be more expensive than an equivalent of the same power, age and vale.

first-things-first · 5th October 2021, 21:30

A-plan insure my remapped ZT. My area is in the car stealers delight rating (F*) according to this https://www.theclayclothcompany.co.u...e-ratings.html. It's not that bad, touch wood. I'm sure the stats are the stats, but

Harrow postcode for you? Maybe an E rating?
I pay less than the cost of my kidney

and much less than a non modified car with the usual suspects such as LV / direct line and the like. They want up to £600 and even £1200! More like a forget you price, we don't want the business!

BigRuss · 5th October 2021, 23:00

Quote:

Originally Posted by harrisop48

PhilT4 or Marina Brian managed to secure the 160 BHP remap which transforms the Car.

Brian and myself did thanks very much

Phil kindly applied the 160 tunes onto a disc so that they could be applied more easily via T4 and a configuration problem regarding cruise on the facelift manual cars.

Russ

harrisop48 · 6th October 2021, 06:54

Sorry Russ got my guesses wrong. Thanks for putting me and the Community right.

Jamiewelch · 6th October 2021, 09:24

Quote:

Originally Posted by harrisop48

Trikey recently attached a spec for the M47R Common Rail Diesel engine that showed 114 BHP to 161 BHP. I have copied this but cannot recreate it on this post as I am technical numpty.
BMW, in their wisdom, restricted 75 and ZT to 114 and 131. This was to avoid those Marques from competing with the BMW rear wheel drive offering at 161 BHP.
PhilT4 or Marina Brian managed to secure the 160 BHP remap which transforms the Car. However Insurance companies only base their rates on OEM Spec.
Get a remap done and Insurance companies want to charge you more.

I would like to know how BMW M47R cars compare with a like for like quote.
Do we have anyone such as an Actuary in the Car Insurance business that could investigate this and persuade the Industry that there should be no difference irrespective of original OEM offering.
I live in West London north of Heathrow, currently insured by Adrian Flux. When I want to renew my Insurance I cannot get competitive quotes. Possibly due to Post Code. I know LV has insured another member living in the Countryside. Are there any other Companies that insure the 160 remap?

Best thing to do is have a dyno run, get the accurate numbers the car is running and then present them with it. Best bet for accuracy would be to provide a printout. I am insured with esure and they haven't increase the premium on any of my mapped cars.

I am surprised insurance companies allow remaps to be insured without a printout as the estimated numbers can be way off. My 5 series that had the 3L M57TU2 engine responded incredibly well to a remap, it pushed out 60lbft more torque than estimated.

BillyMG · 6th October 2021, 16:55

Esure insured my 160 diesel - they couldn't wrap their heads around the whole 114 / 131 / 160 so it just went on as engine modification and added an extra £80 a year. My premium was about £530 fully comp for 15000 miles a year with business and I noticed Sheila's Wheels and one other (can't remember the name sorry) were exactly the same to the penny so must be the same underwriters. Next quote from there was about £900 so basically like you I couldn't get a competitive quote once I'd declared the remap.

Yorkshire GOC · 6th October 2021, 17:01

Quote:

Originally Posted by macafee2

From my experience I could only find Adrian flux to insure my remapped car.

why do you think there should be no difference in insurance costs between a standard cdt/cdti and a remapped cdt/cdti? The CDT is a dog as standard.

macafee2

I am with Adrian FLux with a remapped 200 BHP Turbo - but Admiral offered cover but slighly more expensive.

5th October 2021, 18:07	#1
harrisop48 Passed Away Rover 75 Tourer Club CDTi 2.0 2002 Royal Blue Paint JFM Trim LBB Join Date: Sep 2009 Location: Hayes West London Posts: 1,218 Thanks: 528 Thanked 1,043 Times in 364 Posts	160 remap insurance Trikey recently attached a spec for the M47R Common Rail Diesel engine that showed 114 BHP to 161 BHP. I have copied this but cannot recreate it on this post as I am technical numpty. BMW, in their wisdom, restricted 75 and ZT to 114 and 131. This was to avoid those Marques from competing with the BMW rear wheel drive offering at 161 BHP. PhilT4 or Marina Brian managed to secure the 160 BHP remap which transforms the Car. However Insurance companies only base their rates on OEM Spec. Get a remap done and Insurance companies want to charge you more. I would like to know how BMW M47R cars compare with a like for like quote. Do we have anyone such as an Actuary in the Car Insurance business that could investigate this and persuade the Industry that there should be no difference irrespective of original OEM offering. I live in West London north of Heathrow, currently insured by Adrian Flux. When I want to renew my Insurance I cannot get competitive quotes. Possibly due to Post Code. I know LV has insured another member living in the Countryside. Are there any other Companies that insure the 160 remap?

5th October 2021, 19:11	#3
The Rovering Member I really should get out more....... Rover 75 saloon Join Date: Feb 2014 Location: London Posts: 2,952 Thanks: 263 Thanked 538 Times in 431 Posts	MG Rover is also a defunct manufacturer whereas BMW is still a going concern. So l don't think insurance companies are going to make a comparison between the two. __________________ Reducing the size of my Rover fleet by adding a 75 to it.

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5th October 2021, 18:25	#2
macafee2 This is my second home Rover 75 Saloon & Tourer Join Date: Sep 2012 Location: Lincoln Posts: 14,908 Thanks: 1,630 Thanked 3,032 Times in 2,181 Posts	From my experience I could only find Adrian flux to insure my remapped car. why do you think there should be no difference in insurance costs between a standard cdt/cdti and a remapped cdt/cdti? The CDT is a dog as standard. macafee2

5th October 2021, 21:30	#5
first-things-first Posted a thing or two MG ZT Join Date: Jul 2014 Location: Hornchurch Posts: 1,255 Thanks: 176 Thanked 352 Times in 272 Posts	A-plan insure my remapped ZT. My area is in the car stealers delight rating (F*) according to this https://www.theclayclothcompany.co.u...e-ratings.html. It's not that bad, touch wood. I'm sure the stats are the stats, but Harrow postcode for you? Maybe an E rating? I pay less than the cost of my kidney and much less than a non modified car with the usual suspects such as LV / direct line and the like. They want up to £600 and even £1200! More like a forget you price, we don't want the business!

6th October 2021, 06:54	#7
harrisop48 Passed Away Rover 75 Tourer Club CDTi 2.0 2002 Royal Blue Paint JFM Trim LBB Join Date: Sep 2009 Location: Hayes West London Posts: 1,218 Thanks: 528 Thanked 1,043 Times in 364 Posts	Sorry Russ got my guesses wrong. Thanks for putting me and the Community right.

6th October 2021, 16:55	#9
BillyMG Gets stuck in MG ZT 2.5 V6 Auto Tourer (Elizabeth) / MG ZT CDTI (Farage) Join Date: Jan 2017 Location: St Helens Posts: 688 Thanks: 339 Thanked 109 Times in 89 Posts	Esure insured my 160 diesel - they couldn't wrap their heads around the whole 114 / 131 / 160 so it just went on as engine modification and added an extra £80 a year. My premium was about £530 fully comp for 15000 miles a year with business and I noticed Sheila's Wheels and one other (can't remember the name sorry) were exactly the same to the penny so must be the same underwriters. Next quote from there was about £900 so basically like you I couldn't get a competitive quote once I'd declared the remap.