Surely there is no way an insurance company could detect an uprated chip, or could they ?

Why not crash and find out

You'll get various answers, some people have had the car checked from top to bottom by an insurance assessor, some have had nothing checked.

A chip itself will not add much to the cost of your insurance and will also make your insurance legal, so why not just pay it or not chip it if you don't want to pay for it

Why not go the whole hog. There's no way a copper can detect an uninsured driver - unless he stops him.

(Yes, yes, smart*rses, I know some cars are on the national database now so that they can, but you get my point).

Seriously though, if you don't pay the extra £20 or so, and you have a shitcart, you could potentially render your insurance invalid, so either do it all or not at all.

Finally bear in mind that more than one insurer reads this forum. You have your name, your town, and your car type posted here. Wouldn't take them TOO long to find you and make a note to carry our extra checks next time you claim, methinks....

When my car developed a fault, and it went back to Fiat, they detected that it was chipped by receiving error messages when they plugged the car into the diagnostics machines.

I think it's fairly obvious on a 20VT if it's been chipped or not, as there will be marks on the ECU where it's been opened up. All an assessor/loss adjuster has to do is send to ECU to Fiat, and ask them to check it.

Point taken. I probably would have declared anyway. I have everything else declared, LE kit, lowered etc...




....honest mr insurance man

What happens if you don't know that the cars been chipped?

Are you expected to remove the ECU to check when you go to buy a car.

read here

Seriously though, if you don't pay the extra £20 or so

I wish! Admiral want 480 quid of me if i put the chip in . Im having to forfeit a years no claims so i can change insurance. All a big
But im not going to do it without insurance as its just not worth it.

i have been quoted and extra 120 a year for a chip through adrian flux i think, elephant who i am insured with currently want about an extra 250 or something onto of 480 ish so waiting for the right time to fit the chip and change insurance.

I'm on £430 fully comp protected with ND and have had to pay an extra £95 for chip, bleed valve, strut brace and soon to be uprated brakes. Didn't query as I thought that was fairly reasonable?

My current insurance runs out next month. Looking forward to having a years no claims behind me so I can go Noel Dazely. I got a quote from them a few months back, I'm sure it was around £600 or so. Anyone care to stab a guess at what that would rise to after adding chip, strut brace and EBC ?

As above. I gathered they weren't bothered with a k&n induction(which I removed anyway), strut brace or uprated breaks. They didn't bother asking for recepit details either as I think some companies do as they want reassurance that the chip etc has been done properly.
Haven't a clue about an EBC - what is it anyway

Never noticed your post Alan sorry mate, funny thing is I must have read it before I put up my question EBC is electronic boost controller

Don't worry - I often get overlooked - story of my life