Insurance cancelled due to painted wheels !

Insurance cancelled due to painted wheels !

Author
Discussion

Sk00p

3,961 posts

228 months

Thursday 29th March 2018
quotequote all
I just had a chat with the AA insurance people as their quote was best, if it didn't come from the manufacturer like it they consider it a modification, then it's down to whether the underwriter deems it a higher risk as to whether it would cost more or not.


saaby93

32,038 posts

179 months

Thursday 29th March 2018
quotequote all
Sk00p said:
I just had a chat with the AA insurance people as their quote was best, if it didn't come from the manufacturer like it they consider it a modification, then it's down to whether the underwriter deems it a higher risk as to whether it would cost more or not.
And that's the problem. many people buying a used car will have no idea whether it came out of the factory that way, let alone which of the options were dealer fit.

Is it modified - not to the best of my knowledge

Is it doubtful anyone can realistically say 'no'

Sad Ken

623 posts

111 months

Thursday 29th March 2018
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I remember in the 90's some of the bigger car dealers making their own 'special editions' out of basic Fords. A Fiesta Popular Plus, with some stripes and a set of alloys and given a silly name that didn't appear on the log book. Wonder if anyone ever came a cropper with one of those.

hondansx

4,570 posts

226 months

Thursday 29th March 2018
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No, because they still have to pay out.

Glasgowrob

3,246 posts

122 months

Thursday 29th March 2018
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so what happens in a situation where your main dealer fits Motorcraft parts rather than Original Ford parts.

you'll never get a dealer fitting factory spec ford consumables as they are a few quid dearer than the Motorcraft option. Ah you say but their OEM spec, well there not, Motorcraft pads last 40k on the front of a Mondeo Genuine Ford ones generally last 60k,


head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol



Davie

4,752 posts

216 months

Thursday 29th March 2018
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[quote=Glasgowrob
head utterly frazzled now. maybe the insurance industry can start penalizing those who fit ditchfinders. ooooh you run linglongs, that's an extra £400 a year, Sir has matching Contis or PS4s all round obviously an enthusiastic driver therefore a higher risk lol

[/quote]

That's my biggest issue with insurers... whining about the colour of wheels yet if you fitted some of the cheapest, worst performing tyres to said wheels they wouldn't bat an eye lid.

Fastdruid

8,650 posts

153 months

Thursday 29th March 2018
quotequote all
saaby93 said:
Sk00p said:
I just had a chat with the AA insurance people as their quote was best, if it didn't come from the manufacturer like it they consider it a modification, then it's down to whether the underwriter deems it a higher risk as to whether it would cost more or not.
And that's the problem. many people buying a used car will have no idea whether it came out of the factory that way, let alone which of the options were dealer fit.

Is it modified - not to the best of my knowledge

Is it doubtful anyone can realistically say 'no'
My car has a factory fit removable towbar. I know this because ETIS says so...but it's just a Westfalia tow bar. There is no way anyone would know without checking ETIS if a similar car with an identical towbar was factory fit or not. It could be original, it could have been fitted to a second hand car. It could have been dealer fitted to a new/pre-registered car etc.

I haven't declared as it's unmodified from how it was built. Someone else declaring an **identical** car however could end up in grief for an "undeclared modification" just because of who fitted the tow bar.

Sk00p

3,961 posts

228 months

Thursday 29th March 2018
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Tow bars.. hadn't thought about that

The Steve

31 posts

144 months

Friday 27th April 2018
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Not sure if this has been mentioned but what about winter tyres?

Flibble

6,476 posts

182 months

Friday 27th April 2018
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The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...

0ddball

865 posts

140 months

Friday 27th April 2018
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It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.

I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.

An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.

Shakermaker

11,317 posts

101 months

Friday 27th April 2018
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0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.

I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.

An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?

captain_cynic

12,063 posts

96 months

Friday 27th April 2018
quotequote all
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.

I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.

An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
Or to insure the car under an open driver policy. It would probably be cheaper too.

But I'm sure our resident Insurance Company Marketing Assistant VP Apprentice will be along shortly to assure us that we're not being overcharged, taken for a ride and should be bloody grateful that Insurance companies are even doing anything for us at all (because it's not like insurance is mandatory or anything).

0ddball

865 posts

140 months

Friday 27th April 2018
quotequote all
Shakermaker said:
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.

I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.

An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?
Yeah. Maybe to separate the two there could be a limit of nominating 6-10 vehicles a year. That should cover most private users eventualities. Plus the limitations would mean you can't pay a premium based on an average family car then smoke around in a 500bhp gtr unless you insured for that category of car.

I know it's possible already but this type of policy isn't common or cheap.

TwigtheWonderkid

43,406 posts

151 months

Friday 27th April 2018
quotequote all
0ddball said:
Shakermaker said:
0ddball said:
It would be fantastic if there was an easy option to insure the person instead of the car. I believe it's done that way in some countries? The way it's done now is very limiting when it comes to borrowing/buying/selling or owning a few cars.

I'd be happy to insure myself within certain parameters, say under 2l and under 200bhp and under a certain value. Obviously the premium would be based on the parameters you choose.

An insurer offering that would probably get a lot of business. Whether it's financially viable (or as profitable as the current model) is another matter.
similar to a trade policy then? But for someone who isn't an actual trader?
Yeah. Maybe to separate the two there could be a limit of nominating 6-10 vehicles a year. That should cover most private users eventualities. Plus the limitations would mean you can't pay a premium based on an average family car then smoke around in a 500bhp gtr unless you insured for that category of car.

I know it's possible already but this type of policy isn't common or cheap.
For MID requirements you'd still need to be telling your insurer about the vehicles you had. And I suppose if your partner was a driver also, they'd need another policy of their own, as you're insuring the person and not the car.

saaby93

32,038 posts

179 months

Friday 27th April 2018
quotequote all
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...
What about the other way around - the fitting of summer tyres

Plug Life

978 posts

92 months

Friday 27th April 2018
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What about Plasti Dip?

Flibble

6,476 posts

182 months

Friday 27th April 2018
quotequote all
saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...
What about the other way around - the fitting of summer tyres
Why would that be a problem? Car are supplied with summer tyres fitted so as long as correctly specced tyres are fitted there would be no reason to notify the insurer.

Exige77

6,518 posts

192 months

Friday 27th April 2018
quotequote all
saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...
What about the other way around - the fitting of summer tyres
I think the car would come from the factory with normal (non winter tyres) so insurance would be based on that so no need to tell insurers you have normal tyres.

I don’t think there is any problem with driving in summer with Winter tyres at normal legal speeds. They might wear out a bit quicker though.

saaby93

32,038 posts

179 months

Friday 27th April 2018
quotequote all
Flibble said:
saaby93 said:
Flibble said:
The Steve said:
Not sure if this has been mentioned but what about winter tyres?
https://www.abi.org.uk/products-and-issues/choosin...
What about the other way around - the fitting of summer tyres
Why would that be a problem? Car are supplied with summer tyres fitted so as long as correctly specced tyres are fitted there would be no reason to notify the insurer.
Well if youre fitting tyes to give decent grip during winter, at the end of March when the clocks change, you stick on summer tyres ( does your insurer need to know) and within days you have snow and black ice appear