Tell me everything bad about the 2026 Taycan 4CT.

[prj]

I’d be amazed if anybody on here worships or jumps because of an insurance company. For me I just wanted to know if you think

• The TD1 flag will not be visible to the dealer as Porsche central are not setting the flag or voiding warranties at the moment

------- OR ------

• The TD1 flag will be visible to the dealer and while Porsche central are not currently voiding warranties, the dealer sees the TD1 flag indicating something on the car is modified.

This is what I mean with the insurance jumping.

I've written about 20 times on the forum that there's no flag regardless if you have a tuned or stock ASG in the car, but that's not good enough

Also I don't "think" - I know. I also know for a fact that it is possible to determine that there was a modified ASG fitted on the Porsche backend if it was fitted when the car visited the dealer. This is inside information though, and this knowledge is not used in any way nor is there any way to access this knowledge by the dealer. It also does not set a TD1 flag, but in theory it could change at any time.

This is why I advise swapping the unit, to remove even a theoretical chance that TD1 will be set, but this theoretical chance is non-existent already, and swapping the unit is an extra precaution. We have people on this forum who have been to the dealers many times (both Audi and Porsche) with tuned controllers, and there were no warranty issues. Furthermore, both scantools ODIS/PIWIS do not show TD1 flags on those cars.

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[Leccy61]

Thank you, wouldnt have dared to ask for that clairification if it was as clear as that to me previously, but I am a brainwashed insurance company worshipper

 

[prj]

Thank you, wouldnt have dared to ask for that clairification if it was as clear as that to me previously, but I am a brainwashed insurance company worshipper

Come on now, it was all said with quite a bit of dry humor, that usually brits do appreciate. No offence was intended. Just my tragicomic experience with the UK tuning scene, I've spent quite a bit of time over there.

 

[babylou66]

Ridicuous. Simply ridiculous!

 

[D00notD00d]

In the majority of the world you insure the car. Unlike in the UK where a specific driver is insured to drive a car, and then no one else can drive it because they're not insured in that car. Once the car is insured anyone with a valid license may drive it. The only concept of extra drivers outside the UK is on rental vehicles.
The insanity of that entire concept drops the jaw of the majority of the people in the developed world outside of the UK.

@prj
In the UK, Insurance premiums are calculated according to loss risk. That takes account the accident and theft risk related to the performance of the vehicle (including any performance mods and factory option), its value, the theft risk, where it is parked overnight, and the driver experience, disabilities, and conviction history.
And significant claims go through a loss adjustment process whereby the insurer tries to find any way possible to weasel out of paying the full claim. Such as stuff the policy holder didn’t disclose anywhere other than on social media.

Subject to their added risk, I can pay extra to add named drivers to my car insurance, or just take out ‘an any driver‘ policy. That just involves extra cost. Also subject to risk, anyone can insure any car, incuding one they’re just borrowing, for as little as a day.

If a majority of outside of the UK need only insure a car and not the driver, is there no regard for the increased risk from 17 year old 911 GT3 drivers, or past driving convictions for speeding, alcohol, drugs, accidents, injury, death?
Does insurance in the developed world outside the UK not consider driver risk at all?

 

[prj]

@prj
If a majority of outside of the UK need only insure a car and not the driver, is there no regard for the increased risk from 17 year old 911 GT3 drivers, or past driving convictions for speeding, alcohol, drugs, accidents, injury, death?
Does insurance in the developed world outside the UK not consider driver risk at all?

Insurance is for the car, and the premium does depend on the owner. The owner can be a company or a private individual.
All the claims are tracked based on the owner.

So if the owner makes it a habit to lend his GT3 to 18 year olds who crash them, then the owner is going to have sky high premiums and eventually companies will refuse to insure his cars.

But it's irrelevant who was driving the car at the time of the crash, since the object of the insurance is the car, not the driver. You also never have to pay for extra insurance for someone driving an insured car - as I said, this is mental and it's only in the UK. Everywhere else it's none of the business of the insurer who is driving the insured car.
If someone crashes it, then the owner gets the stick.

Works the same as with e.g. speed cameras or parking violations. The owner always gets the stick, so the owner should (and does) consider carefully who they are lending their car to.

Of course on rental cars and taxis there is separate commercial insurance, I am talking about general normal use vehicles.

 

[D00notD00d]

Insurance is for the car, and the premium does depend on the owner. The owner can be a company or a private individual.
All the claims are tracked based on the owner.

So if the owner makes it a habit to lend his GT3 to 18 year olds who crash them, then the owner is going to have sky high premiums and eventually companies will refuse to insure his cars.

But it's irrelevant who was driving the car at the time of the crash, since the object of the insurance is the car, not the driver. You also never have to pay for extra insurance for someone driving an insured car - as I said, this is mental and it's only in the UK. Everywhere else it's none of the business of the insurer who is driving the insured car.
If someone crashes it, then the owner gets the stick.

Works the same as with e.g. speed cameras or parking violations. The owner always gets the stick, so the owner should (and does) consider carefully who they are lending their car to.

Of course on rental cars and taxis there is separate commercial insurance, I am talking about general normal use vehicles.

If insurance companies are ignoring a bunch of risks that are specific to drivers, does that result in higher premiums compared to the UK? I can take out an any driver policy, it just means I pay more.

 

[prj]

If insurance companies are ignoring a bunch of risks that are specific to drivers, does that result in higher premiums compared to the UK? I can take out an any driver policy, it just means I pay more.

Nope, the premiums are generally similar as in the UK or lower.
Also the insurance is divided into 3rd party only and Fully comp.

3rd party only costs almost nothing. For me on a Taycan it is 100 EUR/year, because it's based only on engine power and owner.

Fully comp is close to a few thousand a year, varies a lot by company. This is with a 300 EUR deductible.

 

[D00notD00d]

Nope, the premiums are generally similar as in the UK or lower.
Also the insurance is divided into 3rd party only and Fully comp.

3rd party only costs almost nothing. For me on a Taycan it is 100 EUR/year, because it's based only on engine power and owner.

Fully comp is close to a few thousand a year, varies a lot by company. This is with a 300 EUR deductible.

In comparison, my annual all parties comprehensive insurance total cost for 2 cars, a Cayenne and a Taycan, is only £1250 (€1400). My wife’s TT is £257 per year, also comprehensive (€285).
All with protected full no claims bonus. 2 named drivers. 1 speeding conviction, no accidents.
Maybe I’m only paying for only my risks, and not the cost of someone else letting their 17 year old drive their GT3 on the day they pass a driving test?
The UK way suits me.

 

[prj]

In comparison, my annual all parties comprehensive insurance total cost for 2 cars, a Cayenne and a Taycan, is only £1250 (€1400). My wife’s TT is £257 per year, also comprehensive (€285).
All with protected full no claims bonus. 2 named drivers. 1 speeding conviction, no accidents.
Maybe I’m only paying for only my risks, and not the cost of someone else letting their 17 year old drive their GT3 on the day they pass a driving test?
The UK way suits me.

This is Estonia here in particular, the premiums are lower elsewhere. Also I quoted you the company policy price, not the private price, which is also lower.

You can easily get the Taycan here for 1400 EUR, I saw even lower with a cheaper insurer - my experience is that they will attempt to nickel and dime you though, so I choose to pay more but not have to worry about the hassle.

Btw this is a new Taycan with 160000 EUR agreed price and new price guarantee, where they pay out the full new price if it gets totalled or stolen. If you have an older car with a lower price the insurance is lower too, or if you don't take this cover. I doubt your 1400 for two cars will pay out the new price of either vehicle.

 

[D00notD00d]

This is Estonia here in particular, the premiums are lower elsewhere. Also I quoted you the company policy price, not the private price, which is also lower.

You can easily get the Taycan here for 1400 EUR, I saw even lower with a cheaper insurer - my experience is that they will attempt to nickel and dime you though, so I choose to pay more but not have to worry about the hassle.

Btw this is a new Taycan with 160000 EUR agreed price and new price guarantee, where they pay out the full new price if it gets totalled or stolen. If you have an older car with a lower price the insurance is lower too, or if you don't take this cover. I doubt your 1400 for two cars will pay out the new price of either vehicle.

You’re right on that point - a separate insurance is usually needed to recover the purchase price instead of current. market value. That generally costs a few hundred more. And here the value of the car doesn’t usually much difference in premium cost.

We‘ll just have to disagree on some of your other posts.

 

[prj]

That generally costs a few hundred more.

I heavily doubt that a 100k difference is going to cost a few hundred more.
Here the difference between having and not having that cover is massive.

My country really isn't the best example, we have quite high insurance premiums on premium cars. Some insurers here don't insure Porsches full stop, or they quote you a price so that you would go away - because Porsches are rare here (lower standard of living). So the insurance on a Turbo S and a Taycan 4 is almost exactly the same here, as 80% of the insurance price is the "Porsche Tax".

Neighbouring Finland for example has significantly lower premiums on expensive cars, even though it's a much more expensive country. The UK does not have cheaper insurance than other countries in EU, but the policies are generally much more restrictive.

 

[D00notD00d]

I heavily doubt that a 100k difference is going to cost a few hundred more.
Here the difference between having and not having that cover is massive.

My country really isn't the best example, we have quite high insurance premiums on premium cars. Some insurers here don't insure Porsches full stop, or they quote you a price so that you would go away - because Porsches are rare here (lower standard of living). So the insurance on a Turbo S and a Taycan 4 is almost exactly the same here, as 80% of the insurance price is the "Porsche Tax".

Neighbouring Finland for example has significantly lower premiums on expensive cars, even though it's a much more expensive country. The UK does not have cheaper insurance than other countries in EU, but the policies are generally much more restrictive.

I’ll leave you with your doubts.

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