Insurance increase for wheels

[saaby93]

The other day a mate told me about online quote from one of the biggies for about £180. When he phoned them up to add the second hand wheels (same make, different model) they wanted nearly £60 extra.
Is that the sort of mark up youd expect for changing the wheels?

[Dick_Phallus]

Cheaper policies tend not to be too friendly to anything other than a completely standard car. So possibly.

[saaby93]

Would you expect it to be nearly £10 more for alloy wheels with locking wheelnuts than without

[topless_mx5]

Mine charged me an extra £50 for wanting to drive to work in my car, where it would be parked in a safe office car park. Shocking.

£60 for aftermarket wheels sounds about right.

[allaway]

Some ins companies wont insure cars with any mods at all.

[GreigM]

topless_mx5 said:

Mine charged me an extra £50 for wanting to drive to work in my car, where it would be parked in a safe office car park. Shocking.

Why is it shocking? It means you're likely to be driving the car daily during rush hour - the time at which the roads are heavily congested and most accidents happen...risk is increased therefore so is the premium, doesn't seem unreasonable to me.

[RDB]

It used to cost me about £30 extra for the Ford alloys that I fitted to my Escort, but that was about 4-5 years ago. The total premium was only in the £250 price range. They (Churchill) didn't seem bothered whether locking wheel nuts were used.

[saaby93]

GreigM said:

Why is it shocking? It means you're likely to be driving the car daily during rush hour - the time at which the roads are heavily congested and most accidents happen...risk is increased therefore so is the premium, doesn't seem unreasonable to me.

If there are so many vehicles on the road at that time - do accidents go up in proportion? Or are they lower proportionally due to congestion keeping everyone on their toes?

[topless_mx5]

GreigM said:

topless_mx5 said:

Mine charged me an extra £50 for wanting to drive to work in my car, where it would be parked in a safe office car park. Shocking.

Why is it shocking? It means you're likely to be driving the car daily during rush hour - the time at which the roads are heavily congested and most accidents happen...risk is increased therefore so is the premium, doesn't seem unreasonable to me.

Because my work is about 1.5 miles away and the traffic is pretty much the same at 5:30pm as it is at midday, so really the risk is the same in my particular case. Plus I don't leave home till 9:05am so really I don't drive it during peak hours.
However I can appreciate that the risk would be higher if it was during peak traffic hours etc, but on my commute there really isn't much difference.

[Dick_Phallus]

topless_mx5 said:

GreigM said:

topless_mx5 said:

Mine charged me an extra £50 for wanting to drive to work in my car, where it would be parked in a safe office car park. Shocking.

Why is it shocking? It means you're likely to be driving the car daily during rush hour - the time at which the roads are heavily congested and most accidents happen...risk is increased therefore so is the premium, doesn't seem unreasonable to me.

Because my work is about 1.5 miles away and the traffic is pretty much the same at 5:30pm as it is at midday, so really the risk is the same in my particular case. Plus I don't leave home till 9:05am so really I don't drive it during peak hours.
However I can appreciate that the risk would be higher if it was during peak traffic hours etc, but on my commute there really isn't much difference.

They don't ask what time you drive to work, or how far your commute is.

[topless_mx5]

Dick_Phallus said:

topless_mx5 said:

GreigM said:

topless_mx5 said:

Mine charged me an extra £50 for wanting to drive to work in my car, where it would be parked in a safe office car park. Shocking.

Why is it shocking? It means you're likely to be driving the car daily during rush hour - the time at which the roads are heavily congested and most accidents happen...risk is increased therefore so is the premium, doesn't seem unreasonable to me.

Because my work is about 1.5 miles away and the traffic is pretty much the same at 5:30pm as it is at midday, so really the risk is the same in my particular case. Plus I don't leave home till 9:05am so really I don't drive it during peak hours.
However I can appreciate that the risk would be higher if it was during peak traffic hours etc, but on my commute there really isn't much difference.

They don't ask what time you drive to work, or how far your commute is.

Shame, ain't it?