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Slightly off-topic - a motor trade contact tells me that in the event of an accident to 'sportier type cars' some insurers are now asking for the ECU to be removed and 'inspected' for 'undisclosed modifications'.
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I've got the same chip, same car and engine complete with XPower letter confirming a manufacturer fit. The problem is some insurance companies do not have it listed on the manufacturer approved options list. One insurance representative said flatly that they couldn't quote me. I stuck to my guns and she put me through to the supervisor and he then spoke to the underwriters.
The underwriters had it listed and then confirmed it was Ok. The supervisor then said it simply wasn't on their update list from MGR and he quoted me, the premium was no different.
The problem stems that the chip upgrade offers more than a 10% performance improvement.
Some other insurers do simply refuse to cover you though.
Speak to Norwich Union Direct, they always give me the most competitive quote and they recognise the chip upgrade straight away, no hassles, no fuss and excellent service.
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As 3500S says, and goodness knows I've said it often enough, for something non-standard you need to get to the underwriters.
The brokers, salesmen, call centre staff etc. etc. neither know enough nor have the authority. They quote from a book and outside the book is simply "no quote" or a ridiculous loading.
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A few years ago (before the existence of the BR) I toyed with idea of getting a Van Aaken conversion to up the Synergie's savage 90bhp to a tarmac-ripping white-knuckle 105bhp ish. Despite the fact the Synergie was then available with a 130bhp petrol engine in exactly the same chassis, I was told by my broker that I couldn't have a quote until the mods had been done and I had paid for a full engineers report. That would have left me in a rather weak bargaining position so I never took it any further.
So, as Mark and 3500s say, talk to the underwriters, something which never occurred to me at the time.
Hawkeye
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Stranger in a strange land
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to 3500s..
i have been on the phone arguing with norwich union(i am insured with the at present)
a they will not be told or understand that it is just a driving enhancement upgrade an refuse to insure me . who underwrite your insurance. thanks for you input so far
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speak to the chipping company. They will have encountered this before.
They may have a report which will satisfy the NU or a recomendation for another insurer.
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