Winter tyres = Increased insurance premium?!
Discussion
Snowboy said:
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?
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.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?
Patrick Bateman said:
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.
Well the Mrs has a 4 year old Mazda5 parked on the drive. I have absolutely no idea what was standard and what was optional and also don't care. There again the metallic paint was probably optional so better ring the insurers, there again, maybe not.Patrick Bateman said:
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.
I'm sure its just an excuse to worm out of a claimI can just see them turning down a claim because someone 5 years ago specced a £50 extra
f
king horrible industryI wouldn't bother with insurance if it wasn't a legal requirement
Patrick Bateman said:
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.
Really? So that means I have to tell them that,My 3 series has the £1000 leather option
It also has the £1500 automatic gear box
It also has the USB audio interface
It also has the Bluetooth option
It has heated seats
Etc.
Pretty pointless, surely they should only be bothered about aftermarket (post delivery) additions, anything else should be considered standard specification, I bet you could find a 1000 other 325d M Sports with the same options.
mgmrw said:
agreed.
I know of one such company who opted to not pay-out on a chaps battered in merc because the mudflaps on it weren't OEM, and the wheels were off another merc..
Was a 10year old car, with 3 previous owners. How can you tell?
mgmrw,I know of one such company who opted to not pay-out on a chaps battered in merc because the mudflaps on it weren't OEM, and the wheels were off another merc..
Was a 10year old car, with 3 previous owners. How can you tell?
I'm sorry bud but there is no way in hell an insurer would repudiate a claim because of mud flaps and non standard alloys, the FOS would not allow it, it's hearsay and misconstrued facts like that which cause people distrust insurers in the first place
Edited by ZOLLAR on Monday 31st October 20:45
LukeSi said:
Really? So that means I have to tell them that,
My 3 series has the £1000 leather option
It also has the £1500 automatic gear box
It also has the USB audio interface
It also has the Bluetooth option
It has heated seats
Etc.
Pretty pointless, surely they should only be bothered about aftermarket (post delivery) additions, anything else should be considered standard specification, I bet you could find a 1000 other 325d M Sports with the same options.
You don't have to worry about the USB interface and bluetooth as they'd be covered under audio/visual cover on the policy.My 3 series has the £1000 leather option
It also has the £1500 automatic gear box
It also has the USB audio interface
It also has the Bluetooth option
It has heated seats
Etc.
Pretty pointless, surely they should only be bothered about aftermarket (post delivery) additions, anything else should be considered standard specification, I bet you could find a 1000 other 325d M Sports with the same options.
The other things you would have to declare.
ZOLLAR said:
mgmrw,
I'm sorry bud but there is no way in hell an insurer would repudiate a claim because of mud flaps and non standard alloys, the FOS would not allow it, it's hearsay and misconstrued facts like that which cause people distrust insurers in the first place
we'll disagree on this one. My best mate works for the accident repair place (thatcham approved) where the car was assessed, put in the quote, and got the reason for refusal. And had the irate customer.I'm sorry bud but there is no way in hell an insurer would repudiate a claim because of mud flaps and non standard alloys, the FOS would not allow it, it's hearsay and misconstrued facts like that which cause people distrust insurers in the first place
Edited by ZOLLAR on Monday 31st October 20:45
Snowboy said:
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?
Whether or not you do this is down to you, but you ARE supposed to and there have been instances of people getting into fairly hot water for not declaring (through lack of knowledge or otherwise) things to insurers that they could quite reasonably in a laymans eyes have not known about. Ignorance is no defence in law or insurance.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?
mgmrw said:
we'll disagree on this one. My best mate works for the accident repair place (thatcham approved) where the car was assessed, put in the quote, and got the reason for refusal. And had the irate customer.
There definately would have to have been some other reason beyond "mudflaps and alloys" if your mate is 100% adament get him to email me and I'd happily give him advice on going further with the claim as the financial authority would literally laugh at the insurer, but I'd wager he's spun you a line to save face.ZOLLAR said:
There definately would have to have been some other reason beyond "mudflaps and alloys" if your mate is 100% adament get him to email me and I'd happily give him advice on going further with the claim as the financial authority would literally laugh at the insurer, but I'd wager he's spun you a line to save face.
how would he "save face" he works at the accident repair place, he had nothing to do with the certain company or the customer, was just stuck in the middle.LukeSi said:
Patrick Bateman said:
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.
Really? So that means I have to tell them that,My 3 series has the £1000 leather option
It also has the £1500 automatic gear box
It also has the USB audio interface
It also has the Bluetooth option
It has heated seats
Etc.
Pretty pointless, surely they should only be bothered about aftermarket (post delivery) additions, anything else should be considered standard specification, I bet you could find a 1000 other 325d M Sports with the same options.
A) Your car is stolen (may be in part because the twocker fancied a ride in the comfort of leather rather than cloth). It's subsequently written off. The insurers offers you X for the car based on it's original spec market value. You come in with "yea but my car had a load of optional extras on in that I had to pay extra for.." 'stunned silence' So you're saying you want more pay out for your (optional extra based) modified car without any increase in premium. Right
B) Your car is involved in a serious accident and many parts have to be replaced including some of the ones you've listed above. The insurers don't know you have these optional extras because... you didn't tell them. They fix the vehicle and return it to it's standard spec in the process as per the spec sheet for that model. They give you your car back and you say "yea but my car had a load of optional extras on in that I had to pay extra for.."
I see a pattern emerging here and may be even some common sense on the insurers part.
So to answer your question, yes; of course you bloody do
and yes, there probably are 1000 325 ds driving round in the same blissful ignorance. Some may even be mapped..
ZOLLAR said:
Sorry mis-read, but my statement still stands there isn't a chance in hell it was just because of mud flaps.
IIRC was a merc coupe. Geezer had only owned a couple of months. Bought as was.And a certain net based insurer who like "pop" music, chucked his claim out based on mudflaps and wheels. Wheels not being those specified at factory, still merc though.
But, I aint going to argue over it
Patrick Bateman said:
Some insurers (Admiral, Elephant to name two) require you to declare any optional extras that don't come as standard on the car.
Indeed they do, as do most others. However, I changed the 17" alloys with summer tyres to non-standard 16" alloys with winter tyres for the winter and Admiral said, thanks we will make a note on the system, no charge levied. Common sense really.mgmrw said:
IIRC was a merc coupe. Geezer had only owned a couple of months. Bought as was.
And a certain net based insurer who like "pop" music, chucked his claim out based on mudflaps and wheels. Wheels not being those specified at factory, still merc though.
But, I aint going to argue over it
Yeah ok, And a certain net based insurer who like "pop" music, chucked his claim out based on mudflaps and wheels. Wheels not being those specified at factory, still merc though.
But, I aint going to argue over it
see you back in TT 
squareflops said:
For goodness sake. Picture the scenes if you will.
A) Your car is stolen (may be in part because the twocker fancied a ride in the comfort of leather rather than cloth). It's subsequently written off. The insurers offers you X for the car based on it's original spec market value. You come in with "yea but my car had a load of optional extras on in that I had to pay extra for.." 'stunned silence' So you're saying you want more pay out for your (optional extra based) modified car without any increase in premium. Right
B) Your car is involved in a serious accident and many parts have to be replaced including some of the ones you've listed above. The insurers don't know you have these optional extras because... you didn't tell them. They fix the vehicle and return it to it's standard spec in the process as per the spec sheet for that model. They give you your car back and you say "yea but my car had a load of optional extras on in that I had to pay extra for.."
I see a pattern emerging here and may be even some common sense on the insurers part.
So to answer your question, yes; of course you bloody do
and yes, there probably are 1000 325 ds driving round in the same blissful ignorance. Some may even be mapped..
On the other side of that, we bought the car used, it is insured with the value of the car being noted down as £19,000 which is what we paid for it. In the event of a write off then (if it was within 4 years of buying the car) then insurance pay out would be around £12-15,000 with the GAP cover making it up to the £19,000 paid. If the car was damaged then we would ensure that the work was carried out by BMW themselves who would have on their database the complete list of every feature the car left the factory with. However in the case of interior damage it would likely be a fire which would in turn cause the car to be deemed a total loss. Therefore making the first scenario I talked about the case.A) Your car is stolen (may be in part because the twocker fancied a ride in the comfort of leather rather than cloth). It's subsequently written off. The insurers offers you X for the car based on it's original spec market value. You come in with "yea but my car had a load of optional extras on in that I had to pay extra for.." 'stunned silence' So you're saying you want more pay out for your (optional extra based) modified car without any increase in premium. Right
B) Your car is involved in a serious accident and many parts have to be replaced including some of the ones you've listed above. The insurers don't know you have these optional extras because... you didn't tell them. They fix the vehicle and return it to it's standard spec in the process as per the spec sheet for that model. They give you your car back and you say "yea but my car had a load of optional extras on in that I had to pay extra for.."
I see a pattern emerging here and may be even some common sense on the insurers part.
So to answer your question, yes; of course you bloody do
and yes, there probably are 1000 325 ds driving round in the same blissful ignorance. Some may even be mapped..
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