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Engine chip effect on insurance premiums?


DO55MAC
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Has anybody declared to their insurance company that they have had their ECU chipped and if so, can they advise on what the effect on their insurance premium was? I was thinking of getting my 3.0D S chipped for better fuel economy as I understand the BHP is still increased in order to get the car into higher gears earlier, so you get the best of both worlds (I don't want this thread to run into a "Why would you buy a Jaguar for MPG and not MPH" - because I can easily lose my licence with 275 BHP, even if it is chipped down for MPG, that's why).

However, I'm a bit "risk averse" when it comes to my insurance so would probably declare the mod if I proceeded but as I know how the companies will squirm like a squirmy thing to get out of paying up, and wouldn't want to void my insurance for a few mpg!! I wouldn't want to raise suspicion by going direct to the insurers to ask, hence this topic.

Cheers in advance,

Mac

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Hi Paul,

Some insurance companies are different than others in their attitude.  I would be inclined to give your current insurance company a ring and ask the question.

The 3.0 litre engine is a touch thirsty, though it didn't worry the drivers in the USA where it was very popular.

Regards,

Peter.

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Interested to see how this turns out as I am considering the same thing, so please keep us informed, oh and all the "economy" chips I've looked at still seem to bump it up to at least 300hp

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Has anyone had there S Type R chipped and if so what sort of gains are to had? I am having trouble finding anyone to do mine as its got the older Denso ECU.

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We would always advise that clients declare ALL modifications including remaps. Different insurers have different ways of calculating the additional prices, but generally the percentage increase in horsepower will more or less equal the percentage increase in policy premium.

Regards

Dan

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