Fitting wheels from another model
Discussion
When you fit wheels from another model ( same make) and you tell your insurance they ask something like
Is the value
0-250
250-1000
1000-2500
Typically including tyres theyre easily going to be over £1000 even though you've bought them for £250 on ebay.
The thing is they're no longer having to insure the previous wheels
So if you've changed from OEM black wheels to OEM silver wheels although the value of the new wheels is over £1000 the difference to the value of the car is zilch.
However it adds over £100 to the annual premium
What do you do
Is the value
0-250
250-1000
1000-2500
Typically including tyres theyre easily going to be over £1000 even though you've bought them for £250 on ebay.
The thing is they're no longer having to insure the previous wheels
So if you've changed from OEM black wheels to OEM silver wheels although the value of the new wheels is over £1000 the difference to the value of the car is zilch.
However it adds over £100 to the annual premium
What do you do
Look at it this way. Hypothetically speaking at least.
The car is 5 years old, and the original build sheet has been lost. At some point the car has been fitted with OEM wheels that were an option on that car. The car gets sold on. How is the owner to know that there's a change? How would the insurance company know either?
The car is 5 years old, and the original build sheet has been lost. At some point the car has been fitted with OEM wheels that were an option on that car. The car gets sold on. How is the owner to know that there's a change? How would the insurance company know either?
I'm not really into modifications but I've been told in the past by insurance companies that unless mods are declared, they won't pay out on any damage to those mods. So for example if you hit a kerb and cracked your non-declared alloy, they wouldn't pay out (assuming they even realised it wasn't OEM).
What happens if you also bend any unmodified parts too, I don't know.
What happens if you also bend any unmodified parts too, I don't know.
Edited by Risotto on Tuesday 28th September 17:15
Insurance assessor turns up. Sees 10 year old Mazda. Fitted with 10 year old Mazda alloys. Checks sheet (Alloys standard). Checks sizes. Same as standard. Insurance assessor is happy I'd think.
Now if they are a different size....or you swapped steels for alloys....that'd be an issue I'd think.
Even so they might just replace your alloys with steel as that's what you insured. (Depending on a number of factors like theft)
Now if they are a different size....or you swapped steels for alloys....that'd be an issue I'd think.
Even so they might just replace your alloys with steel as that's what you insured. (Depending on a number of factors like theft)
T84 said:
Doniger said:
You don't tell them, if you're doing an OEM to OEM swap. Well I don't, anyway. Why give them more cash for not actually doing anything?
So you can actually be insured?No, b
ks. I would only tell them about actual modifications - aftermarket wheels or wheels of a different size, for example.Doniger said:
Well in all seriousness, how would they know if I bought and fitted another set of wheels identical in all but colour to the ones on my car? Does the same apply if I just spraypaint the wheels I've already got?
No, bks. I would only tell them about actual modifications - aftermarket wheels or wheels of a different size, for example.
In that case why dont they say that when you try to tell them?No, b
ks. I would only tell them about actual modifications - aftermarket wheels or wheels of a different size, for example.I have a set of Audi steel wheels and Audi alloys for my car both options for the car when new ( I bought one set this spring with the plan of making one a winter set). Both have the same size tyre and are the same size wheel.....the car is 16 years old. I don't think the insurance company would have a clue (or care) which set was on it.
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