Winter tyres = Increased insurance premium?!
Discussion
Snowboy said:
kambites said:
Snowboy said:
Stop telling them.
You only need to tell the insurance company if the wheels aren't standard OEM fitment or if you expect the insurance company to pay out more for them if stolen.
Where did you get that information from? You only need to tell the insurance company if the wheels aren't standard OEM fitment or if you expect the insurance company to pay out more for them if stolen.
I think I've asked it 3 times now, once to a broker and twice to insurance companies – I've had the same answer each time.
If you declare it you may be charged.
But you don't have to declare it if it's standard fitment.
So long as the tyres have the same rolling circumference it's all good.
ZOLLAR said:
Snowboy said:
kambites said:
Snowboy said:
Stop telling them.
You only need to tell the insurance company if the wheels aren't standard OEM fitment or if you expect the insurance company to pay out more for them if stolen.
Where did you get that information from? You only need to tell the insurance company if the wheels aren't standard OEM fitment or if you expect the insurance company to pay out more for them if stolen.
I think I've asked it 3 times now, once to a broker and twice to insurance companies – I've had the same answer each time.
If you declare it you may be charged.
But you don't have to declare it if it's standard fitment.
So long as the tyres have the same rolling circumference it's all good.
The point is, you don't have to declare to an insurer you're changing the wheels, so long as the wheels are OEM spec and not any more valuable than the ones you've replaced.
Snowboy said:
Not sure if you're agreeing or disagreeing.
The point is, you don't have to declare to an insurer you're changing the wheels, so long as the wheels are OEM spec and not any more valuable than the ones you've replaced.
I'm talking about the rubber, if you change that to winter tyres then no charge if say you have a 3 series and change from standard BMW alloys to BMW M3 alloys it won't affect the price but you won't be paid out for them if they're not declared.The point is, you don't have to declare to an insurer you're changing the wheels, so long as the wheels are OEM spec and not any more valuable than the ones you've replaced.
But always worth checking with your insurer as it varies.
ZOLLAR said:
I'm talking about the rubber, if you change that to winter tyres then no charge if say you have a 3 series and change from standard BMW alloys to BMW M3 alloys it won't affect the price but you won't be paid out for them if they're not declared.
But always worth checking with your insurer as it varies.
THIS is what I wanted to know.But always worth checking with your insurer as it varies.
As the standard sundial POS are worth about £0.03 each wheel.
Whereas the 46s are worth £200 for a second hand set.
I.e. whether legally I tell them or whether it's a case of risk on me
mgmrw said:
THIS is what I wanted to know.
As the standard sundial POS are worth about £0.03 each wheel.
Whereas the 46s are worth £200 for a second hand set.
I.e. whether legally I tell them or whether it's a case of risk on me
If you want them paid out tell the insurer if they're still BMW alloys then it's unlikely you'll be charged (as said though check as not all insurers are the same).As the standard sundial POS are worth about £0.03 each wheel.
Whereas the 46s are worth £200 for a second hand set.
I.e. whether legally I tell them or whether it's a case of risk on me
But if you change mid-term there is probably a charge for new documents, if you want to change alloys and can hold on to renewal do it then, usually no doc charge at renewal.
ZOLLAR said:
If you want them paid out tell the insurer if they're still BMW alloys then it's unlikely you'll be charged (as said though check as not all insurers are the same).
But if you change mid-term there is probably a charge for new documents, if you want to change alloys and can hold on to renewal do it then, usually no doc charge at renewal.
But if you change mid-term there is probably a charge for new documents, if you want to change alloys and can hold on to renewal do it then, usually no doc charge at renewal.
fanksh!Was curious about the switching from one set to another, and then back again.
TBH Imma likely to just wing-it now.
Put it this way…
When you buy a second hand car and get it insured, do you make sure it's on the same wheels it was bought with?
Would you have any idea if it was on the same size wheels it was bought with originally?
If you buy a new car and have the optional extra 17" wheels rather than the 16" standards do you declare it to the insurers?
When you buy a second hand car and get it insured, do you make sure it's on the same wheels it was bought with?
Would you have any idea if it was on the same size wheels it was bought with originally?
If you buy a new car and have the optional extra 17" wheels rather than the 16" standards do you declare it to the insurers?
ts changed
Codswallop said:
Time to get a better insurer. Aviva were okay when I changed my mum's alloy wheels for a different set of alloys with winter tyres. They were the Mazda recommended size, but were actually wheels from a Hyundai (they were going cheap on ebay...). Despite this, the insurer was okay with the swap, as the new wheels were of lower value than the originals.
In the mean time, the only sensible thing for you to do would be to remove your winter tyres, and plow into a bus full of nuns, special children and kittens. That'll teach 'em!
I'm definitely going to change insurer! In the mean time, the only sensible thing for you to do would be to remove your winter tyres, and plow into a bus full of nuns, special children and kittens. That'll teach 'em!
Also, this link may be of interest to others. Basically it gives you a list of insurance companies who actually use there common sense and don't see this as a way of robbing punters!
pirie555 said:
I'm definitely going to change insurer!
Also, this link may be of interest to others. Basically it gives you a list of insurance companies who actually use there common sense and don't see this as a way of robbing punters!
How on earth have they robbed you?, you changed the facts of a contract you have with them but then don't expect there to be a cost for that?.Also, this link may be of interest to others. Basically it gives you a list of insurance companies who actually use there common sense and don't see this as a way of robbing punters!
ZOLLAR said:
How on earth have they robbed you?, you changed the facts of a contract you have with them but then don't expect there to be a cost for that?.
Surely any sane insurance company would realise that a change to smaller alloy wheels with more condition appropriate tyres would be a risk reduction?There can be no excuse to increase the premium. Aviva didn't send out any new documents, they just said they made a note on their system. During the same phone call, I informed them that the car would go back to it's original wheels and tyres in spring, and that was it. No fuss, no hassle, no unjustified price rises.
Codswallop said:
ZOLLAR said:
How on earth have they robbed you?, you changed the facts of a contract you have with them but then don't expect there to be a cost for that?.
Surely any sane insurance company would realise that a change to smaller alloy wheels with more condition appropriate tyres would be a risk reduction?There can be no excuse to increase the premium. Aviva didn't send out any new documents, they just said they made a note on their system. During the same phone call, I informed them that the car would go back to it's original wheels and tyres in spring, and that was it. No fuss, no hassle, no unjustified price rises.
As per aviva they've just made the decision to absorb the cost of making a change to a policy, it isn't all down to documents you still have staffing costs, software costs etc whether they charge or not is a business matter.
They can make up their costs elsewhere, insurerS continually evaluate business costs to see where they can increase revenue.
When I phoned up last year to let my insurer know that I'd switched from 18" BMW mv1 alloys to 16" BMW SE alloys w/M&S tyres for winter, they heard the magic words "winter tyres" and pretty much said "Don't bother phoning us about this sort of thing, thanks".
This is a large, cheap insurer who trades under a number of names and has already been mentioned on this thread.
This is a large, cheap insurer who trades under a number of names and has already been mentioned on this thread.
A friend of mine put alloys (aftermarket) on his corsa sxi, phoned his insurance and wasn't charged extra.
If I was the insurer I would have had a fright and cancelled his insurance- He's 18, a black corsa, with black and silver alloys, just screams boy racer.
So yeah, find a better insurer.
If I was the insurer I would have had a fright and cancelled his insurance- He's 18, a black corsa, with black and silver alloys, just screams boy racer.
So yeah, find a better insurer.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff