Declaring Alloys on Insurance

Tom|Nbk · 20 Nov 2007 at 00:12

Is this necessary?

[TW]Fox · 20 Nov 2007 at 00:16

Are they aftermarket wheels? Then yes.

Balb0wa · 20 Nov 2007 at 00:16

Tom|Nbk said:
Is this necessary?

If they not standard ,then yes.

Conscript · 20 Nov 2007 at 00:16

If they are aftermarket, usually yes.

Edit: Damn, beaten by seconds

Balb0wa · 20 Nov 2007 at 00:17

very tight indeed,lol

Insurance companys love reasons not to pay out these days, not worth the risk.

Tom|Nbk · 20 Nov 2007 at 00:19

Ok cheers

zain · 20 Nov 2007 at 01:29

I remember some seat leon owners having problems with insurers where they chose the other wheel design on the FR models, it was still standard fit from the manufacturer but some insurers called it a modification :/

Clarkey · 20 Nov 2007 at 01:45

zain said:
I remember some seat leon owners having problems with insurers where they chose the other wheel design on the FR models, it was still standard fit from the manufacturer but some insurers called it a modification :/

that is 100% not a modification and I simply cannot see how they can think otherwise.

zain · 20 Nov 2007 at 01:49

Clarkey said:
that is 100% not a modification and I simply cannot see how they can think otherwise.

That's what the customer said and exactly what I would think, I never found out what happened though.

Zip · 20 Nov 2007 at 01:50

[TW]Fox;10521450 said:
Are they aftermarket wheels? Then yes.

What if they are not aftermarket as such, But just taken from a higher trim model?

PardonTheWait · 20 Nov 2007 at 02:04

Zip said:
What if they are not aftermarket as such, But just taken from a higher trim model?

If they're not standard on your model then technically they're a mod.

I think in that case you wouldn't find yourself in any trouble if it came to it though, especially if they were available as an extra on your model, in which case I presume they'd count as standard.

Skii · 20 Nov 2007 at 09:11

Interesting question this

I have 4 facelift model alloys arriving for my leon cupra next week, they are 17" as opposed to the pretty hideous 16" standard ones. Would i need to inform my insurance? they are simply the alloys that are standard on the 2003 year model, wheras mine is the 2002 !

IAmATeaf · 20 Nov 2007 at 11:18

I had a similar run in with Admiral about this. My car has 17" alloys and boot spoiler which were fitted at the factory and they decided to up my premium as they considered them after market bolt ons. I cancelled the policy and moved to Churchill after confirming their stance which was they were not bolt ons.

Gib_Gib · 20 Nov 2007 at 11:54

I have heard of a case where someone had uprated 18" alloys on his jag from new out of the factory, but as it insured as a basic model they would not pay out.

Its crazy, but its not worth the risk, so just declare everything.

Morba · 20 Nov 2007 at 12:03

there are also cases where people have had aftermarket alloys and not had a problem claiming.
the accidents were not caused by the alloys or tyres, so the insurance companies just said they will not replace the alloys.