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Thread: Should I .....

  1. #1
    Full Member VectraMat's Avatar
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    Default Should I .....

    .... tell my insurance company that i have upgraded the wheels on my Vec?

    As mine is a "Club" version, it is known to come with standard 16" wheels, however i have recently changed them for the 17" SRi wheels . Do i need to inform them about this and if i dont could they use this against me if i crash as an excuse not to pay out?

    what sort of prices am i looking at just to make them aware of the new rims?

    any help appriciated.

    matt...

    VXR Gone - Now in BMW 320cd M Sport Convertible

  2. #2
    Regular Member ALD's Avatar
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    you should tell them if you have increased the size

    I went from the 17" sri alloys to a set of 18" and advised them, cost me about £40 a year extra, which isn't much a month as I pay by DD.

    If you don't they wont pay out to replace them

    HTH

    edit, it may not cost as much as you replaced them with manufacturer alloys, I did not, and this should make a difference

  3. #3
    Full Member VectraMat's Avatar
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    thanks for your advise mate, guess ill give them a ring tonight then, i might have a spare hour while they put me on hold lol!!!

    id rather pay the £40 than lose what i paid for the alloys.

    VXR Gone - Now in BMW 320cd M Sport Convertible

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    On a Sabbatical
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    Some companies won't charge you any extra for alloys matey. Maybe just an admin charge.

  5. #5
    Regular Member Big Davie's Avatar
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    Quote Originally Posted by AJA
    Some companies won't charge you any extra for alloys matey. Maybe just an admin charge.
    You learn something new every day, cheers Alex...

  6. #6
    Regular Member Andy's Avatar
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    strictly speaking you should tell them. They can tell exactly what was fitted to your car when it left the factory by the chassis number and you could end up with a void insurance.

    However, saying that, i think you would be extremely unlucky to have your insurance voided for fitting some standard fitment sri alloys. I would bet the assessor wouldnt even know the difference they change alloy designs and spec so often.

    If you decide to tell them, word it carefully. Say youve fitted a different design alloy wheel but its still a standard fit manfacturers part. They may not even increase your premium at all. Churchill added £100 for my 18's but when i told them about my irmscher front spoiler and vxr rear i said they were manufacturers optional extras and they didnt charge me a penny.

  7. #7
    Regular Member MLC's Avatar
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    Same here. I don't get charged any extra for my 19s because the car left the factory with them.

  8. #8
    Regular Member Strummerd's Avatar
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    Also bear in mind that they charge you extra usually but when you claim they will only repair your car to standard spec.So don't think paying extra means they will fit your spec alloys in a claim.Had a mate with a Golf declared all mods had a prang and they were not interested in all the mods they said the car would be repaired to standard spec

  9. #9
    [Ex]Admin Duncan's Avatar
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    Quote Originally Posted by Andy
    However, saying that, i think you would be extremely unlucky to have your insurance voided for fitting some standard fitment sri alloys. I would bet the assessor wouldnt even know the difference they change alloy designs and spec so often.
    Yep, I hadn't got round to declaring my VXR estate side skirts, but because they were a Vx part and the assessors won't know the exact spec of every model, the assesor didn't blink at one of them being listed on the parts list for the current repair - especially as it just gives the basic Vx description and part number.
    Quote Originally Posted by Andy
    If you decide to tell them, word it carefully. Say youve fitted a different design alloy wheel but its still a standard fit manfacturers part. They may not even increase your premium at all. Churchill added £100 for my 18's but when i told them about my irmscher front spoiler and vxr rear i said they were manufacturers optional extras and they didnt charge me a penny.
    Indeed. I worded my Irmscher suspension kit carefully and even though it lowered the car, it added nothing to the premium as it was classed as a factory fit option. It meant that there was no problems claiming for them after my recent incident as it was all listed.

    As Andy said, if you just say you've changed the style for an alternative 'standard' Vx wheel then there may be no extra to pay.

    D

  10. #10
    [Ex]Admin Duncan's Avatar
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    Quote Originally Posted by Strummerd
    Also bear in mind that they charge you extra usually but when you claim they will only repair your car to standard spec.So don't think paying extra means they will fit your spec alloys in a claim.Had a mate with a Golf declared all mods had a prang and they were not interested in all the mods they said the car would be repaired to standard spec
    That's pretty poor!! Direct Line will repair to what was on the car (and declared) - hence why my Irmscher suspension kit is being replaced with no problems!

    D

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