Alloys and insurance

[Bakedgoods]

How much more will I be paying if I declare alloys?

I'm saving for my first car at the moment and without a doubt want a set of nice wheels, but how much of an effect do you think it'll have on my insurance, bearing in mind it's already shocking whatever car I guy.

(I'm 19)

 

[Richard_16v]

Depends on insurance company, what car, what wheels, what phase the moon is in etc

Best bet is to phone up, some companies will do it for free, other will refuse to allow you (i.e. I had a 10 min argument with Direct Line after fitting some EBC brake discs when they said they wouldn't insure any mods!)

 

[1CE]

Varies soo much. from £20 for just an admin fee all the way up to £150, depends how arsey the insurance companies are with modified cars .

 

[Bakedgoods]

It's the only modification i'll be doing so I was just trying to get a rough idea really.

I'm more than likely going to just get a Fiesta 1.25 Zetec since everyone seems to recommend it as a first car.

 

[Richard_16v]

Get quotes based on the fact its been modified, lots of places will refuse to quote you being young with a modified car (I know its only wheels but insurance companies view everything as a mod!

Plus, there is a good chance once you have changed the wheels you will want to lower it, fit an exhaust etc - it's a slippery slope

 

[Bakedgoods]

Well surely not that many companies will refuse a quote when such a large number of young drivers do have alloys fitted, unless of course none of them delcare it...

I'm not interested in any other mods for my first car, I just hate standard wheels.

 

[Defcon5]

You dont have to declare them if they are ford alloys do you? if so use some wheels off an ST

 

[jamief]

You dont have to declare them if they are ford alloys do you? if so use some wheels off an ST

Yes, you do - they ask if the car has any modifications, which it does.

 

[Bakedgoods]

You have to declare anything that's not factory fitted if I remember rightly..

 

[lordrobs]

My insurance company wouldn't cover alloys on my car until I was 25 and that was just for standard pug ones instead of my steelies.

 

[Rotty]

You have to declare anything that's not factory fitted if I remember rightly..

my insurance company ( admiral ) made me declare factory option alloys

 

[Makhaira]

Save your money and get a better car tbh. You'll either get nailed because you're fitting alloys, or if you try and be underhanded about it, you run the risk of invalidating your insurance should you ever need to claim.

 

[Bakedgoods]

Harsh Rotty

I don't see the point in spending more than 2K on my first car. If I do spend more than £2,000 i'd want fully comp insurance which is just ridiculous (you're looking at around £2000+).

 

[Burnsy2023]

my insurance company ( admiral ) made me declare factory option alloys

But surely it's not modified from factory standards?

Burnsy

 

[Rotty]

But surely it's not modified from factory standards?

Burnsy

they insisted I declare all factory options, didn't charge any extra for them though ( or for window tints for that matter )

probably changing wheels for CSL ones soon so will see what they make of that

 

[bigchez]

Can't see it adding a lot really unless you are going for 24" spinners or summat. Fit locking wheelnuts and reinfrce this point to the insurers.

 

[Morba]

Can't see it adding a lot really unless you are going for 24" spinners or summat. Fit locking wheelnuts and reinfrce this point to the insurers.

Its more about the image of a young bloke putting alloys on a car that will raise the cost, rather than the value of the alloys.
To an insurer, a new driver with first car putting alloys on = high risk, potential chav ;]

 

[Rotty]

Its more about the image of a young bloke putting alloys on a car that will raise the cost, rather than the value of the alloys.
To an insurer, a new driver with first car putting alloys on = high risk, potential chav ;]

that is the reasoning as I know it, probably explains why I don't get charged extra for mine

 

[Morba]

that is the reasoning as I know it, probably explains why I don't get charged extra for mine

Or it could be justification for the value of your car, to not add the options would be mad if they are not charging for them

 

[bigchez]

Its more about the image of a young bloke putting alloys on a car that will raise the cost, rather than the value of the alloys.
To an insurer, a new driver with first car putting alloys on = high risk, potential chav ;]

You are prob right actually. I was thinking in purely monetary terms and the value of the wheels. Also alloys without lowering can actually look worse than leaving a car standard.