APRed

[Ben_GTI]

At 22 yrs old I got a quote from just cars indicating it will cost me an extra $60/yr for a chip over a standard polo GTI.

I'm with Shannons though, so I don't know how badly they'd freak out over it. I know on other insurers it just spat an 'error' message at me when I put in a Polo GTI and a chip.

[99gti]

i think someone posted somehting like this b4 and like that post i'm unsure on what is involved with an "APR TUNE"? is it just an ecu flash?

That would have been me...

[Timbo]

its easy ....................just dont tell anyone poloplayer!

I'm sure this was meant in jest, but in case anyone is mistaken -- while we may all think this from time to time, and some may even do it -- this is what is known in the insurance industry as fraudulent non-disclosure, and yes, insurance companies do pursue people over this quite fiercely, with the result that some people can find themselves uninsured at the time they need it most.

If you are concerned now about the availability and cost of insurance, just wait until you see what happens when you have to answer 'yes' to the insurance application question 'have you ever been refused insurance or had a policy cancelled?'

[Golfer]

The insured's duty of disclosure

Under the duty of disclosure, a person applying for insurance must disclose relevant information to the insurer before a contract is entered into.
The importance of proper disclosure
It is extremely important to understand the extent of the duty of disclosure, because someone who fails to comply with it could find that they are in fact uninsured when they make a claim.
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Innocent and fraudulent non-disclosure
The insurer may say it has rejected a claim because the person did not disclose information correctly in the application form. It is important to determine whether non-disclosure is innocent or fraudulent, as different consequences follow (see Consequences of non-disclosure, below).
Innocent non-disclosure
Non-disclosure is innocent if the person honestly fails to disclose a fact that they thought was irrelevant (or, more likely, have simply not thought about at all).
Fraudulent non-disclosure
Non-disclosure is fraudulent if the person knew a fact was relevant and still failed to disclose it.
Consequences of fraudulent non-disclosure
Under s.28 of the Insurance Contracts Act, if non- disclosure was fraudulent the insurance company can cancel the policy and refund the premium.

[Hilton_K]

At 22 yrs old I got a quote from just cars indicating it will cost me an extra $60/yr for a chip over a standard polo GTI.

I'm with Shannons though, so I don't know how badly they'd freak out over it. I know on other insurers it just spat an 'error' message at me when I put in a Polo GTI and a chip.

Shannons will be cool Didn't blink an eye when I flashed the Golf GTI and I'm only 23.

[Ben_GTI]

Shannons will be cool Didn't blink an eye when I flashed the Golf GTI and I'm only 23.

schweet.