HI guys rather thsn listen to various comments about should you tell your insurance company that you have had your car chipped or not, I have recently spoken to a senior member of my insurance company, posed the question, and for sure you should declare it. In my case they would not apply any additionaLpremium .however not all insurers are the same, some might apply a premium loading and others may not even offer cover. You should inform your insurer, if you don't some may class that as a non dis-closure and refuse to pay out on a claim, However . for an insurer to refuse a claim because of this they have to be able to prove that the client has deliberately misrepresented the facts when applying for a quote . A chip upgrade is non standard, says it all....... Ken Coad 968 register.
Chipping where do you stand with insurance
- Thread starter Carrera
- Start date
Chrishazle
Active member
I asked my insurer Classicline before I installed the Promax chip to my cab, they had no problem about it and did not increase the premium, plus it's noted on my certificate of insurance. Interestingly, when the chip was fitted, we found it already had a Superchip fitted in place of the standard ECU chip, the previous owner was unaware of this - and there was nothing in the (admittedly incomplete) history file to show it had been fitted!
In that an Insurance contract is one of "utmost good faith" this is absolutely the case.
"Utmost good faith" can also be used as a tool to get what you want out of insurers as well. When my son had an accident they wanted to write off his car. I wanted to know what the figures were by which they had concluded the car was a write off, and the threshold cost of the repairs at which a repairable car would become a write off as we wanted to pay for the work over that point. While initially they were unwilling to provide that information I reminded them that as a contact of utmost good faith they were obliged to tell me what I wanted to know. In the end all the work was done aside a set of tyres which we bought.
"Utmost good faith" can also be used as a tool to get what you want out of insurers as well. When my son had an accident they wanted to write off his car. I wanted to know what the figures were by which they had concluded the car was a write off, and the threshold cost of the repairs at which a repairable car would become a write off as we wanted to pay for the work over that point. While initially they were unwilling to provide that information I reminded them that as a contact of utmost good faith they were obliged to tell me what I wanted to know. In the end all the work was done aside a set of tyres which we bought.
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