Insurance cancelled due to painted wheels !

[LarsG]

I had a Focus that had optional manufacturer 18" wheels even though the spec sheet said it had 17" wheels. I declared it and the insurance company said don't worry, it wouldn't case any problems.

[jabiqq]

Just to mention kit car insurance seems to be on the other end of the scale. £200pa. Want to replace the engine with a V8? Sure. New shocks, fuel tank, body, seats? No issues there.
A sticker on your Fiesta? Now you`re a fraud and a criminal. Crazy.

[miles2018]

Basically you came up against a . They are present in all companies and their role in life is to fk up as many people as they can before they a) get caught out or b) move to their next position.

As drivers they can be observed doing all the things that s do i.e. 'accidentally' blocking your exit from a junction, tailgating you when they can see you are unsure of which turning to take, slowing to 25mph if they perceive you are in a hurry etc etc etc

Rather than name and shame the company they 'work' for I would name and shame the individual. After all, many of them go through their whole working life fking up as many people as they can get away with.

s!

[fastbikes76]

Well today was D day and the black box fitter came round to do his thing. She is now insured with a different broker and different underwriter.... and the same little wker turned up ! The wife doesn’t see wrong in anyone and yet the first thing she did was phone me to say what a little snidy creepy little tt he was , says enough to me.

Anyways the lass is all sorted and insured with no hassle and should be trouble free for the next 12 months. Unfortunately I have just lost my father so battling with the last lot of muppets over £70 has just taken a huge tumble down my priority list. If or when I get the inclination I will persue my options out of pure spite more than anything else.

For now though, it’s case closed on my end.

Thanks

[InitialDave]

Hmm, fitter has had two callout charges for one job, I am shocked, I tell you, shocked.

Sorry to hear about your father, appreciate you taking the time to update us under the circumstances.

Edit: Callout, not callous. Bloody spellchecker!

Edited by InitialDave on Monday 19th March 13:39

[xjay1337]

fastbikes76 said:

Well today was D day and the black box fitter came round to do his thing. She is now insured with a different broker and different underwriter.... and the same little wker turned up ! The wife doesn’t see wrong in anyone and yet the first thing she did was phone me to say what a little snidy creepy little tt he was , says enough to me.

Anyways the lass is all sorted and insured with no hassle and should be trouble free for the next 12 months. Unfortunately I have just lost my father so battling with the last lot of muppets over £70 has just taken a huge tumble down my priority list. If or when I get the inclination I will persue my options out of pure spite more than anything else.

For now though, it’s case closed on my end.

Thanks

Hahahahahahaha.

That's funny as anything.

Shame about your father, but hope the years motoring is all sorted

[RobDown]

Commiserations OP

[swisstoni]

These things do seem incredibly meaningless when real life intervenes. Sorry to hear it.

[fastbikes76]

Thanks guys,

Yeah suddenly some painted wheels seem rather insignificant!

I decided to have a peek at the cctv and see what the turd was up to when doing the car, seems he was still hell bent on finding an issue again given how many times he walked round and round the car before relenting and getting his fisher price tool kit out his car. Took photos of her car from every possible angle too . Strange bearing in mind he works for an independent company who contracts to several ins co’s so shouldn’t really have a vested interest in getting policies cancelled .

Anyways all is done and we can concentrate on the more important matters now.

[waremark]

fastbikes76 said:

Thanks guys,

Yeah suddenly some painted wheels seem rather insignificant!

I decided to have a peek at the cctv and see what the turd was up to when doing the car, seems he was still hell bent on finding an issue again given how many times he walked round and round the car before relenting and getting his fisher price tool kit out his car. Took photos of her car from every possible angle too . Strange bearing in mind he works for an independent company who contracts to several ins co’s so shouldn’t really have a vested interest in getting policies cancelled .

Anyways all is done and we can concentrate on the more important matters now.

Photos are presumably as evidence of any existing damage in case of a subsequent claim.

[irc]

InitialDave said:

Hmm, fitter has had two callout charges for one job, I am shocked, I tell you, shocked.

Sorry to hear about your father, appreciate you taking the time to update us under the circumstances.

Edit: Callout, not callous. Bloody spellchecker!

Edited by InitialDave on Monday 19th March 13:39

You were right the first time. The box fitter was callous.

Sorry for your loss OP.

[xjay1337]

waremark said:

Photos are presumably as evidence of any existing damage in case of a subsequent claim.

You would like to think so... but I doubt that very much.

[ReverendCounter]

fastbikes76 said:

There is no point, Vonhosen has his view (which is fair enough) and will bang the drum long and hard enough until the other 99% on this thread give in or agree with him

Edited by fastbikes76 on Sunday 11th March 12:53

In case you're not aware, von hosen put himself into self imposed exile from PH a while back due to the realisisation that many, many posters found his obsessive, inflexible 'computer says no' mentality obstructive to the spirit of the PH boards.

I'm sorry to read about your Dad passing.

Edited by ReverendCounter on Tuesday 20th March 12:46

[ashleyman]

My renewal came up. I know I'll be refurbishing some wheels on my car so asked if this needed declaring.

If you replace factory wheels with aftermarket wheels - Yes + Admin Charge to declare aftermarket wheels but no premium increase
If you change the colour of the factory wheels - Yes + Admin Charge to declare new colour but no premium increase
If you refurbish the factory wheels to the factory colour - No.

Interesting.

[robinessex]

ashleyman said:

My renewal came up. I know I'll be refurbishing some wheels on my car so asked if this needed declaring.

If you replace factory wheels with aftermarket wheels - Yes + Admin Charge to declare aftermarket wheels but no premium increase
If you change the colour of the factory wheels - Yes + Admin Charge to declare new colour but no premium increase
If you refurbish the factory wheels to the factory colour - No.

Interesting.

What about your interior rubber floor mats? As long as they not performance enhancing, you should be ok. Incidentally, I’ve just fitted silicon rubber wiper blades for ‘better wiping performance’. Getting seriously worried now!!

[saaby93]

You have two standard cars both the same except one has black wheels the other silver wheels
Neither are likely to be factory wheels as they ship with cheapo steel wheels and the dealer fits black or silver to put in the showroom

Both buyers insurer their car. Neither tell their insurer about the colour of the wheels because as far as theyre both concerned its what the car came with its standard

If the guy with the black wheels changes them to silver would he need to tell his unsurer
or the guy with the silver
If they failed to, is it going to result in insurance being refused?
Or is no-one the wiser?

[NickofName]

Ahbefive said:

vonhosen said:

Ahbefive said:

vonhosen said:

Wheels that have been modified & are then taken back to standard are still wheels that have been modified.

Thats quite a silly thing to say. Almost every car that is not brand new will have had repairs, maybe even parts modified and/or refurbished. The insurer then should cancel all policies on any cars over 3 years old and go into administration immediately.

That's not what I'm saying.

A part that has been modified remains a part that has been modified.
A plain wheel that is painted & is then returned to a plain wheel is a wheel that has still been modified forever more (it's a part of that parts history)

A damaged part that is repaired is not a modified part, it is however a part that has been damaged forever more.

An accessory is not a modification, it is however an accessory forever more.

This statement is just ridiculous.

More significant than it being ridiculous, it's also a completely unreasonable (albeit semantically athletic) interpretation of what constitutes 'modified'. My understanding of contract law (I'm sure I'll be corrected on this) is that you can't stick a contract full of terms that are open to interpretation and then interpret them exactly as you choose to suit your purpose. How the other party could reasonably interpret them matters hugely, usually more so than how the writer interprets them. As no reasonable human being would independently reach the insurance company's definition of 'modified' and they seem not to have included their specific definition of it in their documentation from what has been presented, they'd have a hell of a time holding anyone to it in court.

Anyway, it seems more significant events have eclipsed this issue now, but it would be good to hear if the FOS does ever get involved and come to a ruling on this, just so we all know whether to totally abandon faith in humanity or not.

[otolith]

robinessex said:

What about your interior rubber floor mats? As long as they not performance enhancing, you should be ok. Incidentally, I’ve just fitted silicon rubber wiper blades for ‘better wiping performance’. Getting seriously worried now!!

Hmm, but what if they might get under the brake pedal and cause an accident?

I think I should get an insurance rebate for mine on the merc, because the damn thing keeps limiting the accelerator pedal travel and blocking kickdown.

[silentbrown]

otolith said:

I think I should get an insurance rebate for mine on the merc, because the damn thing keeps limiting the accelerator pedal travel and blocking kickdown.

After picking up a speeding ticket back in the mists of time, my Secret Santa present from a work colleague was a carefully crafted piece of wood inscribed "Acme Speed Limiter" with instructions for fitting...

[Swervin_Mervin]

ashleyman said:

My renewal came up. I know I'll be refurbishing some wheels on my car so asked if this needed declaring.

If you replace factory wheels with aftermarket wheels - Yes + Admin Charge to declare aftermarket wheels but no premium increase
If you change the colour of the factory wheels - Yes + Admin Charge to declare new colour but no premium increase
If you refurbish the factory wheels to the factory colour - No.

Interesting.

How about if you change the colour of the wheels to another factory colour that the car came on? Or is that likely to blow their minds?

I used to have fun with some of these morons when trying to insure my FF197 with Cup Chassis...