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XC90 '02–'15 General Forum for the P2-platform XC90 model |
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Polestar PollViews : 13548 Replies : 60Users Viewing This Thread : |
View Poll Results: Would you tell your insurance company about your Polestar? | |||
Yes | 112 | 66.27% | |
No | 57 | 33.73% | |
Voters: 169. You may not vote on this poll |
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Apr 7th, 2010, 12:15 | #11 |
XC90 Exec in Grey Pearl
Last Online: Aug 26th, 2014 21:46
Join Date: Dec 2009
Location: Norwich
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Chris - Thank you very much indeed for sharing that story. It confirms my suspicions that insurance companies can and will examine an ECU in a serious accident.
As for the Norwich dealer, never used them (yet). I would have bought from them, I was on the point of signing for the order, when I found but they were 4k more expensive than drive the deal and a dealer 100 miles away, even after haggling and they really were absolutely disinterested in continuing to discuss the deal! They seemed to believe that their local services were worth the 4k premium! I am hoping this is not the case, as I would like to use them for servicing and warranty work if needed. Nothing against them and they may well be fine as far as technical stuff goes too. I am told they are the last of the Volvo dealers in the whole Inchcape group. |
Apr 7th, 2010, 12:31 | #12 |
Member
Last Online: Feb 9th, 2017 20:40
Join Date: Mar 2010
Location: Witney, Oxfordshire
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No problem at all. It was a real eye opener to what length's insurance companies go. I had heard stories as we all do but yes, the do remove ECU's.
I have no doubt that if I had not declared the upgrade I would be £33,000 worse off and probley have 6 points on my licence for driving with no insurance. Thing is, it only cost me an extra £42 to add the upgrades and if I had thought "I'm not paying that!" I would of lost everything. The accident wasn't my fault either. A lorry dropped a huge chain in the road. I hit it and left the road so it goes to show, you can be the safest most careful driver on the road but it won't stop someone else from "taking you out". |
Apr 7th, 2010, 15:25 | #13 |
Master Member
Last Online: Jun 24th, 2023 21:53
Join Date: Sep 2009
Location: Tyne and Wear
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Not sure I would bother with the upgrade but if I did then I would have to inform the insurers as someone said giving the insurance companies get out clauses is a major mistake.
Also if you unfortunate enough to be in a collision and there is a fatality they'll pick you car to pieces and throw the book at you. |
Apr 7th, 2010, 18:25 | #14 |
Experienced Member
Last Online: Yesterday 22:49
Join Date: Jun 2007
Location: L/H side
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Has anyone actualy been charged extra by the insurance company after declaring this?
__________________
My comments are only based on my opinions and vast experience . |
Apr 8th, 2010, 23:53 | #15 |
VOC Member
Last Online: Feb 1st, 2023 11:27
Join Date: May 2007
Location: Rye, East Sussex
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One thing that interests me is that when someone on the forums did a bhp output test on the 163 bhp D5 they found out it was actually outputting 140 bhp. They then had a RICA tune (the 200 and something bhp one) and found that it now output 170 bhp.
So it's all very well looking at the ECU but it won't tell you what the engine output is. All engines vary in power output and most engines lose power as they age, so don't the insurance companies need to do an engine output test? When I used to get my 940 TD serviced they always asked me if I wanted it timed for performance or economy. There was no standard for the output of the engine.
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1984 245 SE 1986 345 SE Auto 1991 940 TD Auto 2003 XC90 D5 SE AWD Geartronic2002 V70 D5 SE Auto 2014 V40 D2 SE Tiptronic Cross Country 2017 V40 D2 Cross Country Geartronic Pro 2015 XC60 D5 Polestar SE Lux Nav AWD Geartronic |
Apr 9th, 2010, 07:33 | #16 |
Junior Member
Last Online: Nov 27th, 2011 07:57
Join Date: Sep 2009
Location: Hereford
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[HTML]One thing that interests me is that when someone on the forums did a bhp output test on the 163 bhp D5 they found out it was actually outputting 140 bhp. They then had a RICA tune (the 200 and something bhp one) and found that it now output 170 bhp.
So it's all very well looking at the ECU but it won't tell you what the engine output is. All engines vary in power output and most engines lose power as they age, so don't the insurance companies need to do an engine output test? When I used to get my 940 TD serviced they always asked me if I wanted it timed for performance or economy. There was no standard for the output of the engine. [/HTML]Presumably the reduced BHP figure was taken on a rolling road and would therefore include power losses through the transmission. With the engine out of the car on a test bench it would probably somewhere near what you would expect. |
Apr 9th, 2010, 07:35 | #17 |
Master Member
Last Online: May 11th, 2017 15:36
Join Date: Jan 2009
Location: Where the.....
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They don't care what the result of the ECU change is, all they need to know is if it has been modified from standard and not been declared. The data tables and check digits within the ECU programming make it relatively easy with the correct software and protocols to identify such changes, contrary to what some tuning companies would have you believe in their literature.
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Apr 9th, 2010, 10:22 | #18 | |
VOC Member
Last Online: Feb 1st, 2023 11:27
Join Date: May 2007
Location: Rye, East Sussex
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Quote:
Is there an easy, inexpensive way to tell?
__________________
1984 245 SE 1986 345 SE Auto 1991 940 TD Auto 2003 XC90 D5 SE AWD Geartronic2002 V70 D5 SE Auto 2014 V40 D2 SE Tiptronic Cross Country 2017 V40 D2 Cross Country Geartronic Pro 2015 XC60 D5 Polestar SE Lux Nav AWD Geartronic |
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Apr 9th, 2010, 11:31 | #19 |
Master Member
Last Online: Jan 7th, 2024 23:26
Join Date: Oct 2009
Location: UK
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interesting issue there ...how do you prove you didn't know a car was chipped, or equally how does an insurance company prove you did...
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Apr 10th, 2010, 09:26 | #20 |
Member
Last Online: May 18th, 2022 14:14
Join Date: Jun 2009
Location: Prestwick
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As I said on the Direct Line thread, when my car was in the body shop after an RTA, the assessors report to the insurance company included photos of the tax disc & odometer; I am not sure if the ECU was interrogated.
I guess the two photos were to ensure I had VED up to date and was not doing more miles than I had declared to Admiral. I suspect the insurers are fully aware of all the possible ruses, and are several steps ahead of the punters! |
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