Car Engine Remapping and Insurance | What You Need to Know | Bobatoo

Car Engine Remapping and Insurance - All You Need to Know

A mechanic working on a car engine

Remapping a car engine is becoming an increasingly popular way to increase the power, speed and overall performance of a car. But what exactly is remapping and what affect could it have on your car insurance premiums?

Read our guide below for everything you need to know about car engine remapping, and if you're looking for an affordable car insurance quote now, simply tap the button to get started:

What is car engine remapping?

Remapping – also sometimes referred to as ‘chipping’ – is a quick and relatively cheap process in which the microchip inside a car’s Electronic Control Unit (ECU) is adjusted to change the factory settings and allow the car to function at a higher level.

The ECU is basically a computer inside a car that controls the power output of the engine. When a car is built by the manufacturer, the default settings on the ECU are set to limit the performance of the car. This is done to extend the life of the car, as well as to adapt the software to a specific country’s climate, terrain and fuel quality. It also gives the car manufacturer the opportunity to release a faster and more powerful model of the car in the future.

A remap of the ECU software can increase a car’s performance by up to 35% - releasing more power and torque output to maximise the overall potential of the engine.

To avoid the risk of engine damage, it is recommended that car engine remapping is carried out by a qualified specialist. The process should only take around half an hour and, if it is done properly, there should be a noticeable difference to the car’s performance immediately.

How does remapping affect car insurance?

As car engine remapping is considered to be a modification, it is important that you inform your car insurance company immediately. If you fail to notify your insurer of a modification, you could risk having your policy invalidated.

Like all car modifications, having your engine remapped could result in an increase to your car insurance premium. The price you pay for car insurance is based on a variety of factors, one of which being the performance of your car – with faster, more powerful cars often subject to higher premiums.

Also, despite the practice of engine remapping becoming more popular, there are still some insurance companies that refuse to cover any vehicle if it has been remapped – so it’s important to check that your current provider will still cover your car after it has been modified.

Read more: 7 Common Mistakes that Could Void Your Car Insurance

Benefits of car engine remapping

The main reason drivers choose to have their car engine remapped is to increase the speed and power of the car. However, there are other benefits to having your engine remapped:

  • Improved fuel economy: If you drive sensibly then remapping could help give you more mpg and better overall fuel economy – meaning you save money on fuel and reduce your carbon footprint.
  • Improved drivability: With a better throttle and engine response, your car will feel smoother and easier to drive.
  • Improved towing capability: The extra power you unlock with engine remapping means your car will be better at towing caravans or heavy trailers.

You might like: The Average Cost of Car Insurance UK | How is it Calculated?

Disadvantages of remapping a car

As well as the likely increase to your car insurance premiums, there are some other downsides to remapping that you need to factor in before making a decision.

  • Only cars with turbo-powered engines will benefit fully from remapping alone: If you drive a non-turbo petrol car then it’s unlikely that you’ll notice much of a difference in performance from a simple engine remap.
  • More power can mean more strain on the engine: You will likely need to have your car serviced more often after an engine remap, as components such as the clutch will probably suffer more strain and greater wear and tear.
  • After your car has been remapped you may have to buy higher octane fuel, which tends to be more expensive.
  • Your car warranty may be invalidated if you get an engine remap that isn’t approved by the manufacturer or dealership.

Learn more: Car warranty FAQs

Remapping car insurance – How to get the best price for cover

While some insurers may refuse to provide you with cover if your vehicle's engine has been remapped, you should still be able to get an affordable policy either via a specialist remapping insurance company or by comparing quotes online yourself.

When you compare quotes online, you will be asked whether or not your vehicle has had any modifications, and it is important that you are completely honest about the changes, as if you fail to disclose any information from the insurer, you are risking driving around with an invalid policy.

To start comparing quotes now, simply tap the button below, and for further information regarding car insurance, be sure to check out our related guides.

Remapping a car engine is becoming an increasingly popular way to increase the power, speed and overall performance of a car. But what exactly is remapping and what affect could it have on your car insurance premiums?

Read our guide below for everything you need to know about car engine remapping, and if you're looking for an affordable car insurance quote, simply tap the button to get started: