New Alloys, do I need to tell my insurers?

Discussion in 'All Things Technical' started by fordy1, Mar 29, 2006.

  1. fordy1

    fordy1 New Member

    Waiting for delivery of a set of 17" 02 WRX alloys, do I need to tell my insurance company?
    As I see it, its not a modification as they aren a 3rd party product and 17"s would have been optional extras from new one way or another.

    The point is I dont want to pay my insurance company anymore money.

    What do I do?

    D
     
  2. Tell em - theyll duck out of paying a claim if you don .

    Unless of course you thought they were standard when you bought the car [;)][;)]
     
  3. fordy1

    fordy1 New Member

    is that a defence? They are subaru wheels, but my car is a 2000 model, so they wouldn have been available then.

    Its not like they ask for explicit details and photos when asking what car it is. Its only a sport, but what would they know?
     
  4. How would you know ?

    Obviously if they read this youd be up s**t creek without a paddle [:D]
     
  5. KK3960

    KK3960 Active Member

    As Chris says It is highly advisable that you tell them, you may be surprised how little extra they will charge. Mine were about an extra £15 per year. Is it really worth NOT telling them for that amount?
     
  6. Gary

    Gary Active Member

    Yep

    get em told or theyll find that as an exscuse not to pay out idf something happens
     
  7. Fixel

    Fixel New Member

    fordy - you have email [:)]
     
  8. adz

    adz Member

    mine didnt ask what sort-just wether std or aftermarket,so declared as aftermarket-no xtra cost[:)]
    some are real anal and will want to know if yer fitting different to std size though,so best to inform them or risk em wriggling out of a payout[:(]
     
  9. Fixel

    Fixel New Member

    Also check out if your insurance covers replacement of the mods like-for-like, or if declaring them just validates the insurance and any replacements will be OE parts. The later will be cheaper (or free in some cases) but obviously no good if youve spent a lot on mods.
     
  10. adz

    adz Member

    well said,will ave to check that-wasnt/isnt there a couple of companys around that specialise in cover for heavily modded cars??????
     
  11. Parky

    Parky New Member

    always best to tell them mate,

    They seem to look at the
    ickable factor aswell..[;)]
     
  12. fordy1

    fordy1 New Member

    Surely they
    e actual subaru wheels they
    e classed as optional extras and they wouldn know what the car had on from new.

    Ill declare anyhoo, but I WILL make sure they
    e covered like for like. Ill just say the new 15" won fit my model of car and i didn have an option.
     
  13. ELV1S

    ELV1S Administrator

    When someone hit me in the red Scooby, the insurers sent someone out to look at the car. Mine had new OZs on them, they didn notice a thing and still paid out [:D]
     
  14. zero260

    zero260 New Member

    By putting on different wheels the Insurers are going to question whether your car looks more appealing to a would be robber.[xx(] If it was me I wouldn say a thing and if you were ever asked, just say they were on the car when you bought it and you thought they were standard on that model.[;)]
     
  15. fordy1

    fordy1 New Member

    if, but. Ill never know.

    Don we have any insurance workers on this site?
     
  16. ELV1S

    ELV1S Administrator

    Ok then, Phone your insurance company and tell them you are thinking of changing the alloys, would it make a difference ?? Simple as Dave [;)]
     
  17. zero260

    zero260 New Member

    <blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote"><i>Originally posted by fordy1</i>
    <br />if, but. Ill never know.

    Don we have any insurance workers on this site?
    <hr height="1" noshade id="quote"></font id="quote"></blockquote id="quote">
    Why dont you just ring up your insurers and ask them.[;)]
     
  18. rusty

    rusty New Member

    They are more interested in things that make it more nickable - e.g big wings and things that make it go faster inc backboxes [B)]
     
  19. fordy1

    fordy1 New Member

    Ill ring when I get the wheels, I dont want to tempt fate.
     
  20. TunnelMeister

    TunnelMeister Lifetime & Founder Member

    <font color="blue">If you have added anything over and above what they are insuring and you don tell them, those parts are not covered and they have the right to cancel the policy.</font id="blue">
     

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