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Thread: should i inform the insurance?

  1. #1
    Regular Member shb1988's Avatar
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    Question should i inform the insurance?

    i'm getting my wheels refurbed and coloured silver next week and was wondering if the insurance company need to know? they are the standard sri wheels for the facelift vectra if that helps?

    thanks

    stephen

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    Regular Member byebyeitsagsi's Avatar
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    No its not a modification.

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    Regular Member shb1988's Avatar
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    excellent didn't think it was but my dad kept going on and on about it and i told him it's not a modification etc but he reckons it is thanks

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    Full Member neverlandandy's Avatar
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    Vehicle : Insignia Elite Nav

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    yes i'd do it as the insurance company would probably deem them more desirable and have more chance of getting stolen
    tell your insurance everything then they won't have an excuse to try and wriggle out of any future claims if you have any

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    Regular Member badback's Avatar
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    If they are the original wheels and were silver to begin with, I don't see the point. You've just looked after your wheels. Same as having a bumper resprayed to cover stone chips.

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    Full Member neverlandandy's Avatar
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    never noticed the silver colour ...thought you were going for a different colour

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    Regular Member Ben Chiles's Avatar
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    No, really. Insurance companies take the **** as it is. Why do they need to know if you've decided to paint the standard wheels a different colour? It makes nooooo difference whatsoever, at all. Besides some insurance companies will charge you if they declare that as a modification, even though the wheels are standard items - anything to get a bit more money out of you.

    I certainly would not declare the painting of the wheels. Lowering suspension, freeflow exhaust (Centre section, mani etc) yes. Backbox, no. Wouldn'ttell them if i fitted angel eyes, splitter etc.

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    Regular Member luke.oldham's Avatar
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    Quote Originally Posted by Ben Chiles View Post
    No, really. Insurance companies take the **** as it is. Why do they need to know if you've decided to paint the standard wheels a different colour? It makes nooooo difference whatsoever, at all. Besides some insurance companies will charge you if they declare that as a modification, even though the wheels are standard items - anything to get a bit more money out of you.

    I certainly would not declare the painting of the wheels. Lowering suspension, freeflow exhaust (Centre section, mani etc) yes. Backbox, no. Wouldn'ttell them if i fitted angel eyes, splitter etc.
    what he said, they take the **** as it is.

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    Regular Member Knuckle's Avatar
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    If it is a different colour, then yes i would tell them if you're really bothered. If they are the same colour or there abouts, they'd never know or care. An engineer would see your car in the event of a crash, not someone from the insurance company.

    either way, there is absolutely no way in hell an insurance company would win if you disputed a decision to kick out your claim over it, not a chance in hell.

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    Regular Member ditchp's Avatar
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    if the wheels were going a different colour then inform them but as for a like for like refurb there is no need

    Quote Originally Posted by Ben Chiles View Post
    I certainly would not declare the painting of the wheels.
    Lowering suspension, freeflow exhaust (Centre section, mani etc) yes.

    Backbox, no. Wouldn'ttell them if i fitted angel eyes, splitter etc.
    so you would declare the lowering and a free flow exhaust but not a backbox, splitter or angeleye headlight's, so then if you have need to make a claim your insurance would be invalid in there eyes as they are not factory fit / stock item's....

    they will try and get out of a claim anyway they can, i say declare all modifications no matter how large or small then at least you know you are covered
    Midlands Mod Shop - NFFC.

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