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Thread: New Alloys & insurance

  1. #1
    Regular Member Teza's Avatar
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    Default New Alloys & insurance

    Hi all,
    Looking at buying some 18" or 19" alloys for my sri.

    How do you go about insurance, do you need to inform your insurance company. Even if you buy the proper VX wheels ?
    If so any ideas how much they will sting me for ?

    I'm with morthan at the moment.

    Looking at the Ermscher 18" sportstar alloys or the VXI 19" alloys.

    Any ideas how much it costs to upgrade the track rod ends ?

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    My insurance company relieve me of about £40.00 to have "optional extra" alloys fitted, which were fitted at factory. I've tried to argue the toss with them but they won't have it, they like charging me for whatever they can think of anyway. (However, despite this, in the event of damage to them, they'll only replace them for standard wheels - I'd be interested to see my car with three 19" alloys and one shiny new 17").

    It's always best to tell them, in case someone steals your wheels, or the car's involved in an accident which damages them.

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    Any modifications should be disclosed to your insurance company, if you dont disclose something in the event of a claim they will just try to wriggle out of paying out

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    £30-£40 is norm on wheel mods and I bet 80% of people aren't insured on the mod scene.

  5. #5
    Regular Member MalcGSI's Avatar
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    £30 extra for the 19s with esure, you must tell them otherwise if you prang the car even without damaging the wheels they may well refuse to pay out = you with no insurance = big trouble.

  6. #6
    Regular Member Teza's Avatar
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    Quote Originally Posted by JP7
    My insurance company relieve me of about £40.00 to have "optional extra" alloys fitted, which were fitted at factory. I've tried to argue the toss with them but they won't have it, they like charging me for whatever they can think of anyway. (However, despite this, in the event of damage to them, they'll only replace them for standard wheels - I'd be interested to see my car with three 19" alloys and one shiny new 17").

    It's always best to tell them, in case someone steals your wheels, or the car's involved in an accident which damages them.
    Thats well bad mate! They sure know how to milk it.
    The best thing to do is buy a cheap spare from ebay or some where just in case.
    But what happens if they get stolen, will they pay out for 19s ?

  7. #7
    On a Sabbatical VauxVeteran's Avatar
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    Any mod requires you to inform the insurance company, ignore at your own risk, cos if you need to claim they will baulk if the car isn't standard.

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    Its been said on here before but before you get all excited and blow 1000s of 19" wheels make sure that the load index on your tyres matches the original spec. Insurance companies are wise to this now, they know that tyres are the weak link when people are modding their car with "Max Power" wheels. If your orginal spec says for example: 93 load index and then your new 19" tyres must have the same. Otherwise your insurance company will void your claim citing "wrong specification tyres used". Sad, but a fact of life.

    Its beggers belief that people spend 1000s on Max Power wheels and have any old s**t tyres wrapped around them like an elastic band, all because "it looks mint".

    Those 4 pieces of rubber are the difference between life and death. Its your call.

  9. #9
    Regular Member ALD's Avatar
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    Just beware of morethan

    I switched to them at renewal in February and everything was fine, I then phoned a few weeks later to say I was putting my 18" alloys on from my old car.

    They told me they wouldn't Insure wheels bigger than the standard size originally on the car (17")

    Fortunately I was on cover for less than 14 days and managed to get a refund of my 1st instalment, which was two months premium.

    I had to switch back to Norwich Union who were happy to Insure my alloys for an extra £40

    good luck!

  10. #10
    Regular Member Teza's Avatar
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    Quote Originally Posted by ALD
    Just beware of morethan

    I switched to them at renewal in February and everything was fine, I then phoned a few weeks later to say I was putting my 18" alloys on from my old car.

    They told me they wouldn't Insure wheels bigger than the standard size originally on the car (17")

    Fortunately I was on cover for less than 14 days and managed to get a refund of my 1st instalment, which was two months premium.

    I had to switch back to Norwich Union who were happy to Insure my alloys for an extra £40

    good luck!
    I also have a irmscher spoiler to go on hope morthan will cover this.
    Irmscher grill with the steal strip, Signum chrome light surounds & some mudflaps to get colour coded. irmscher door pins.
    So its gonna cost £££ I guess

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