INSURANCE WITH (DMS) MODIFIED CAR
01-16-2006, 04:05 AM
#1
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My Ride: E61 530D M SPORT - Silver
Hi
Sorry if this is covered else where, but i have looked without success.
I am looking to get my car enhanced by DMS, i have read plenty of posts about the fantastic improvement this make to the 530d. However on contacting my Insurance company (Esure) they were looking to increase my premium by a ridiculous amount.
Can anyone suggest an insurance company that is a bit more sympathetic to these mods, i have read that some insurance companies don't even increase at all, but the ones i have contacted either dont want to quote or want a stupidly inflated premium.
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified? it would just be my luck and then insurance would be void.
Hope somebody can help
Sorry if this is covered else where, but i have looked without success.
I am looking to get my car enhanced by DMS, i have read plenty of posts about the fantastic improvement this make to the 530d. However on contacting my Insurance company (Esure) they were looking to increase my premium by a ridiculous amount.Can anyone suggest an insurance company that is a bit more sympathetic to these mods, i have read that some insurance companies don't even increase at all, but the ones i have contacted either dont want to quote or want a stupidly inflated premium.
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified? it would just be my luck and then insurance would be void.
Hope somebody can help
01-16-2006, 06:53 AM
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My Ride: MY RIDE is DA real .-) HAMANN 5 aka BLACK MAMBA born on 16/06/2005/delivered on 05/08/2005 as following:
530dA (steptronic), Black II (JET), leather Dakota auburn black, mapple trim, head-up display, dynamic drive, active steering, adaptive xenon headlights (auto levelling) with headlight washers, alarm, comfort seats with massage function, advanced A/C, big compartment armrest, aux-in, MP3, Logic 7, Radio PRO, CD in-dash+cd changer, power rear sunshades, rear airbags, park distance control, auto dimming folding mirrors, smoking package, shiny shadow line (individual), fold down rear seats, ski bag, sport suspension, run flats on �116-style� rims (Good Year NCT5+), cup holders, debadged, fire extinguishers, additional permanent power outlet, BMW coat hanger, trunk release button (installed by Hobi), GPS tracking device and a big thx 2 Iceman.
Mods done:
� Authentic HAMANN FRONT APRON Including ellipsoid fog lights Item-No.: 10 060 110
� Authentic HAMANN REAR SPOILER Item-No.: 10 060 130,
� Authentic HAMANN HAMANN ALUMINIUM PEDALS For cars with manual gearbox Item-No.: 80 099 100 81,00 For cars with automatic transmission Item-No.: 80 099 120
� Authentic HAMANN FOOT REST In aluminium For left-hand drive vehicles Item No. : 80 099 122
� Authentic HAMANN HAND-BRAKE LEVER In aluminium For left- and right-hand drive cars Item No. : 80 099 216
� Authentic HAMANN Idrive of alu (sorry this is the only one in the World) but you can have it in carbon fiber ,
� Authentic HAMANN EXCLUSIVE FLOORMAT SET In black with HAMANN logo in silver For left-hand drive cars Item-No. : 80 060 120 For right-hand drive cars Item-No. : 80 060
� Authentic HAMANN COVER FOR OIL FILLER CAP In aluminium Item-No.: 80 099 117
� Authentic HAMANN SPORT REAR MUFFLER 4 TAILPIPES Sport rear muffler with four round stainless-steel tailpipes ( � 76mm ) Item-No.: 50 060 111
� Authentic HAMANN new add-on for M pack rear with diffusor for quad pipes -AVAILABLE NOW (http://forums.e60.net/index.php?act=ST&f=22&t=30630&st=0#entry332409)
� ///M steering wheel w Pegasus logo (this will be also changed to three spoke sports)
� ///M pack rear
� HAMANN ECU upgrade 265 HP 608 Nm.
most improtant:
�real and working like a charm forumsbuy real LED tails and PIAA 4700k fogs!!! for HAMANN full front apron you need H3
� CustomAngels, Angel Eyes Brighter than stocks 10X, WHITE & (REd for shows).
� Authentic HAMANN LIGHT-ALLOY WHEELS DESIGN EDITION RACE 20"
Ultra-light forged 3-pieced light-alloy wheel, Cross-spoke-design,Spider in black, titanium, screwing,polished flange
DIMENSIONS : 9.0 J x 20 FA Item No.: 91 207 315
10.5 J x 20 only RA Item No.: 91 207 625
Recommended 20" Complete Wheel Set DESIGN EDITION RACE I went with most aggressive Combination A.10 FA 9.0 J x 20 / RA 10.5 J x 20 with tires: FA 245/30 ZR 20 / RA 285/25 ZR 20
� Authentic HAMANN LOWERING KIT 4 progressive sport springs Lowering by approx. 40 mm FA, 20 mm RA Item-No.: 20 060 125
� Authentic HAMANN TIRE - PRESSURE CHECK SENSOR SYSTEM
� Authentic HAMANN SIDE SILLS Item-No.: 10 060 120
� Authentic HAMANN REAL CF ROOF SPOLIER Item-No.: 10 060 235
� Authentic HAMANN AIRBAG SPORT STEERING WHEEL 3-SPOKE Three-spoke design w their SMG paddles (For assembly O.E. airbag in exchange)
� Authentic HAMANN sports mirrors (all functions)
!!!!!!!!!!!!!!!!!!! and of course !!!!!!!!!!!!!!!!!
E60.net Clings
Still to do list;-):
� Our Hobi's camera system from : ww.switchchange.com).
� Individual leather interior (auburn+auburn alcantara)... and drive with sheer drivin' pleasure ... until 2009/2010 F10 comes or E60 possibly a 540d V8 diesel early in 2009 badly juiced!
man, act always like stupid, why do they have to know,
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
01-16-2006, 07:47 AM
#3
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My Ride: E61 Titanium-Grey, Leather Dakota Black, 525d, Steptronic, Navi Prof & TV, Voice Input, Panorama ceiling, Xenon with dir, etc
Originally Posted by ats77' post='224943' date='Jan 16 2006, 03:53 PM
man, act always like stupid, why do they have to know,
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
01-16-2006, 08:30 AM
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My Ride: E61 535d sport, Silver Grey/grey/maple.
20" Hartge Nova 7. Previously 19" staggered 172s
Never used them but Aplan seem to be mentioned alot in this context (UK).
See bmwland.co.uk
I believe that it is technically possible (but not easy) to check the map you have installed, to date there appears to be no record of it ever having happened tho'. I suspect that this is what the DMS 'invisibility' guarantee is relying on.
See bmwland.co.uk
I believe that it is technically possible (but not easy) to check the map you have installed, to date there appears to be no record of it ever having happened tho'. I suspect that this is what the DMS 'invisibility' guarantee is relying on.
01-16-2006, 09:57 AM
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My Ride: E61 530D M SPORT - Silver
man, act always like stupid, why do they have to know,
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
[/quote]
I don't know what the protocol is over in europe, but in the UK you are obliged to inform your insurance company of any modification you make to the car. Should your car be in an accident and they find modifications you have not informed them about it can give them a reason to refuse to payout your claim.
At least that is my understanding anybody in the UK no better????
Whilst i would prefer not to tell them, on a ?45,000 car is this a risk i can take
Does anybody know how "Invisible" the DMS remap is?????
01-16-2006, 11:24 AM
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I had DMS on a 911 and declared it, cost an extra ?400 and that was with Admiral. DMS confirmed it was untracable but I am not 100% convinced but have no proof either way, you have to do what you feel comfortable with, if you can't afford to insure then don't do it.
01-16-2006, 01:22 PM
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My Ride: E61 530d Touring, May 2004
Don't worry about not telling your insurer - you would only be committing fraud
You won't mind me then stealing your uninsured car - that's only a technical breach as well
Keep on searching for a more considerate insurer - but most of the low cost companies keep low cost by avoiding higher risks, and they can probably prove people who mod cars are higher risk (even if you are not)
You won't mind me then stealing your uninsured car - that's only a technical breach as well
Keep on searching for a more considerate insurer - but most of the low cost companies keep low cost by avoiding higher risks, and they can probably prove people who mod cars are higher risk (even if you are not)
01-16-2006, 02:47 PM
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My Ride: F02 LCI Individual
Model Year: 2013
Originally Posted by j9sht' post='224918' date='Jan 16 2006, 02:05 PM
...i have read that some insurance companies don't even increase at all, but the ones i have contacted either dont want to quote or want a stupidly inflated premium.
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified?
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified?
And the answer to the last question is YES! Even BMW and your dealer can (if they want to) see that you have modified the engine. Even if you remove it, they can prove that it has been done!
01-17-2006, 05:44 AM
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My Ride: E61 Titanium-Grey, Leather Dakota Black, 525d, Steptronic, Navi Prof & TV, Voice Input, Panorama ceiling, Xenon with dir, etc
...i have read that some insurance companies don't even increase at all, but the ones i have contacted either dont want to quote or want a stupidly inflated premium.
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified?
Although i would not feel happy about not declaring it to my insurers, can it be proven should you have an accident that your car has been modified?
And the answer to the last question is YES! Even BMW and your dealer can (if they want to) see that you have modified the engine. Even if you remove it, they can prove that it has been done!
[/quote]
Even a external plug-in box?
If yes, how? From what data records can they see that a box was plugged?
About the mod vs insurance: be reasonable. As we have seen in this short informal thread, maybe insurances should be higher when power kits are applied. People do it be able to ride faster or accelerate better.
If that will increase risks or not, the insurance companies will be very good at protecting themselves. I would say, use your good judgement and act in good faith (just like you have to do when you do those over-the-speed-limit little runs.).
keeping in mind insureances will do what they have to to keep their interests.
You can also skip all this or even get a 520i or 520d and have no worries
01-17-2006, 06:27 AM
#10
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My Ride: MY RIDE is DA real .-) HAMANN 5 aka BLACK MAMBA born on 16/06/2005/delivered on 05/08/2005 as following:
530dA (steptronic), Black II (JET), leather Dakota auburn black, mapple trim, head-up display, dynamic drive, active steering, adaptive xenon headlights (auto levelling) with headlight washers, alarm, comfort seats with massage function, advanced A/C, big compartment armrest, aux-in, MP3, Logic 7, Radio PRO, CD in-dash+cd changer, power rear sunshades, rear airbags, park distance control, auto dimming folding mirrors, smoking package, shiny shadow line (individual), fold down rear seats, ski bag, sport suspension, run flats on �116-style� rims (Good Year NCT5+), cup holders, debadged, fire extinguishers, additional permanent power outlet, BMW coat hanger, trunk release button (installed by Hobi), GPS tracking device and a big thx 2 Iceman.
Mods done:
� Authentic HAMANN FRONT APRON Including ellipsoid fog lights Item-No.: 10 060 110
� Authentic HAMANN REAR SPOILER Item-No.: 10 060 130,
� Authentic HAMANN HAMANN ALUMINIUM PEDALS For cars with manual gearbox Item-No.: 80 099 100 81,00 For cars with automatic transmission Item-No.: 80 099 120
� Authentic HAMANN FOOT REST In aluminium For left-hand drive vehicles Item No. : 80 099 122
� Authentic HAMANN HAND-BRAKE LEVER In aluminium For left- and right-hand drive cars Item No. : 80 099 216
� Authentic HAMANN Idrive of alu (sorry this is the only one in the World) but you can have it in carbon fiber ,
� Authentic HAMANN EXCLUSIVE FLOORMAT SET In black with HAMANN logo in silver For left-hand drive cars Item-No. : 80 060 120 For right-hand drive cars Item-No. : 80 060
� Authentic HAMANN COVER FOR OIL FILLER CAP In aluminium Item-No.: 80 099 117
� Authentic HAMANN SPORT REAR MUFFLER 4 TAILPIPES Sport rear muffler with four round stainless-steel tailpipes ( � 76mm ) Item-No.: 50 060 111
� Authentic HAMANN new add-on for M pack rear with diffusor for quad pipes -AVAILABLE NOW (http://forums.e60.net/index.php?act=ST&f=22&t=30630&st=0#entry332409)
� ///M steering wheel w Pegasus logo (this will be also changed to three spoke sports)
� ///M pack rear
� HAMANN ECU upgrade 265 HP 608 Nm.
most improtant:
�real and working like a charm forumsbuy real LED tails and PIAA 4700k fogs!!! for HAMANN full front apron you need H3
� CustomAngels, Angel Eyes Brighter than stocks 10X, WHITE & (REd for shows).
� Authentic HAMANN LIGHT-ALLOY WHEELS DESIGN EDITION RACE 20"
Ultra-light forged 3-pieced light-alloy wheel, Cross-spoke-design,Spider in black, titanium, screwing,polished flange
DIMENSIONS : 9.0 J x 20 FA Item No.: 91 207 315
10.5 J x 20 only RA Item No.: 91 207 625
Recommended 20" Complete Wheel Set DESIGN EDITION RACE I went with most aggressive Combination A.10 FA 9.0 J x 20 / RA 10.5 J x 20 with tires: FA 245/30 ZR 20 / RA 285/25 ZR 20
� Authentic HAMANN LOWERING KIT 4 progressive sport springs Lowering by approx. 40 mm FA, 20 mm RA Item-No.: 20 060 125
� Authentic HAMANN TIRE - PRESSURE CHECK SENSOR SYSTEM
� Authentic HAMANN SIDE SILLS Item-No.: 10 060 120
� Authentic HAMANN REAL CF ROOF SPOLIER Item-No.: 10 060 235
� Authentic HAMANN AIRBAG SPORT STEERING WHEEL 3-SPOKE Three-spoke design w their SMG paddles (For assembly O.E. airbag in exchange)
� Authentic HAMANN sports mirrors (all functions)
!!!!!!!!!!!!!!!!!!! and of course !!!!!!!!!!!!!!!!!
E60.net Clings
Still to do list;-):
� Our Hobi's camera system from : ww.switchchange.com).
� Individual leather interior (auburn+auburn alcantara)... and drive with sheer drivin' pleasure ... until 2009/2010 F10 comes or E60 possibly a 540d V8 diesel early in 2009 badly juiced!
Originally Posted by ats77' post='224943' date='Jan 16 2006, 03:53 PM
man, act always like stupid, why do they have to know,
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
I have my insurrance where my dealer said to go to... and no probs with them!
so keep it forever never ask things like mods, tuning etc from dealer or insurrance of course they say NO or increase your fees!!!
I don't know what the protocol is over in europe, but in the UK you are obliged to inform your insurance company of any modification you make to the car. Should your car be in an accident and they find modifications you have not informed them about it can give them a reason to refuse to payout your claim.
At least that is my understanding anybody in the UK no better????
Whilst i would prefer not to tell them, on a ?45,000 car is this a risk i can take
Does anybody know how "Invisible" the DMS remap is?????
[/quote]
I do not wanna argue, diff countries, diff rules. It is nowhere allowed or welcomed, and everybody does it...
all I can say, for the moment if teh ecu was not fcd up it never cause an accident, if you buy a 20" rim do you say it, it is also modification, my insurance cover all, also spoliers and stuff installed. Normally you have to say it, and normally than in the papers of your car has to publish all mods, and then??
it is not a fraud, man. My car came from BMW AG with reduced perfom. to avoid high taxes, so it was already chipped (downwards.-) by BMW itself, so much for chipping the engine, otherwise we have the warranty from the insatller, my shop also says ok to that...