Tyres- Which is best?

Sputnik II said:
I'd go for something like those too. It's not like she is going to be entering the touring car championships or something silly. Only thing she has to do is get the correct or a higher speed rating.
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Well its for a 1.2 Corsa which can do a max speed of around 101-105mph and the P3000's are rated as T (118mph) so thats all fine.
 
Firestar_3x said:
Yes you do, thats like saying the irmscher bumpers / skirts / arches are an option on a particular vauxhall so i can fit them to my 1.0 without telling the insurance, your sadly dilaudid sorry.
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if they are a std fitment then why should you have to tell them? bodykits arent std..
you could go into vauxhall today, buy a new 1.2 corsa and ask for alloys, would you have to tell the insurance then? no. so whos to say tinkerbells car didnt come with those wheels when it was new? and that there are insurance companies that dont charge for manufacturers alloys if they were an option on the car.
 
tickle me elmo said:
if they are a std fitment then why should you have to tell them? bodykits arent std..
you could go into vauxhall today, buy a new 1.2 corsa and ask for alloys, would you have to tell the insurance then? no. so whos to say tinkerbells car didnt come with those wheels when it was new? and that there are insurance companies that dont charge for manufacturers alloys if they were an option on the car.
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Because each model in the range has different options if you look at your insurance details it won't just say 1.2 corsa it will say a particular trim level, like my Clio Says Dynamique and my MX says iS, so changing the wheels onto a base spec corsa that didn't come with alloy wheels isn't right and you need to notify the inurance company.
 
Firestar_3x said:
Because each model in the range has different options if you look at your insurance details it won't just say 1.2 corsa it will say a particular trim level, like my Clio Says Dynamique and my MX says iS, so changing the wheels onto a base spec corsa that didn't come with alloy wheels isn't right and you need to notify the inurance company.
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The only thing is that if i recall correctly Jaime has a 1.2 16V Club, which under one of the optional things was Alloy Wheels. No idea which ones though.
 
saitrix said:
The only thing is that if i recall correctly Jaime has a 1.2 16V Club, which under one of the optional things was Alloy Wheels. No idea which ones though.
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indeed, just like most other cars, tick a box to get alloy wheels fitted for £400 more or something. so do you phone the ins company and bend over whilst they add another 100-200 on your policy ? i dont think so... :p
 
tickle me elmo said:
if they are a std fitment then why should you have to tell them? bodykits arent std..
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Insurance companies class standard fitment as something that was attached to the vehicle on the production line. Not something that was fitted at a dealership or local garage.
tickle me elmo said:
you could go into vauxhall today, buy a new 1.2 corsa and ask for alloys, would you have to tell the insurance then?
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Yes, you would because the vehicle is no longer what they think it is. Insurance companies see things like alloy wheels as an incentive for someone to steal that vehicle and your policy would be loaded accordingly. Its a big risk not telling them because if your unfortunate enough to be involved in an RTA they can simple refuse to pay out because the policy is null and void.
 
tickle me elmo said:
indeed, just like most other cars, tick a box to get alloy wheels fitted for £400 more or something. so do you phone the ins company and bend over whilst they add another 100-200 on your policy ? i dont think so... :p
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But thats then classed as standard fitment out of the garage, we are talking about adding wheels later on in the life of the car, read your policy small print you need to tell them or if you stack it at best they will fit the original steel wheels, at worst they will not cover you cause you have modified the car, its really not worth it for the sake of £50.
 
Firestar_3x said:
But thats then classed as standard fitment out of the garage, we are talking about adding wheels later on in the life of the car, read your policy small print you need to tell them or if you stack it at best they will fit the original steel wheels, at worst they will not cover you cause you have modified the car, its really not worth it for the sake of £50.
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but who is to know that they werent fitted when new ? you never told them you had steel wheels or alloys when you took out the policy :confused:
only if you added aftermarket ones would that be the case.


@Sputnik, a large amount of new cars have parts fitted at the dealers before delivery; alloys, spoilers, stereos, skirts e.t.c because it would take another 3 months or something to have the car built to how they want it at the factory. how many hundreds of thousands of illegally insured cars are out there if that is the case? lol

/maybe should have started a new thread :p
 
tickle me elmo said:
but who is to know that they werent fitted when new ? you never told them you had steel wheels or alloys when you took out the policy :confused:
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Becuase the standard specification of the Corsa Envoy or whatever it is is 'Steel Wheels'?
 
[TW]Fox said:
Becuase the standard specification of the Corsa Envoy or whatever it is is 'Steel Wheels'?
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Its a Club, on parkers is says that for £500 you could upgrade to alloys so im not so sure.
 
tickle me elmo said:
@sputnik, a large amount of new cars have parts fitted at the dealers before delivery; alloys, spoilers, stereos, skirts e.t.c because it would take another 3 months or something to have the car built to how they want it at the factory. how many hundreds of thousands of illegally insured cars are out there if that is the case? lol

/maybe should have started a new thread :p
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Yes, I'm quite aware that ad on tat is fitted at dealers. As you said before they are 'optional extras' this doesn't mean that its standard fitment and it doesn't mean your insurance company will turn a blind eye if they find out. You are supposed to declare optional extras to your insurance company. Its then up to them if they class it as standard or not.
personally, I'd rather pay £50 a year more than have an accident and find out that I'm not insured because the policy is null and void.
 
Excerpt taken from a well known insurers T&C's.

'What is not covered, we will not pay.......Any modifications unless they form part of the manufacturers standard specification or are optional extras that we have agreed to cover....'

Think that just about concludes that you should notify the insurance company.
 
Accessories means a product specifically designed for attachment to Your Car. Some Accessories will constitute modifications as detailed in the Schedule.
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REMEMBER TO TELL US OF ANY CHANGE IN THE INFORMATION YOU SUPPLIED OR ANY AMENDMENT YOU REQUIRE. IF YOU FAIL TO DO SO, YOU MAY NOT HAVE THE PROTECTION OF YOUR POLICY.
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Two things i found in my insurance paperwork!!
 
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