Declare wheels??
#1
Too many posts.. I need a life!!
Thread Starter
Declare wheels??
Could someone confirm something please??!!
I had read somewhere that if I change my standard wheels to another set of Ford wheels on my Mondy, I don't have to tell my insurance company as they are Ford wheels going on?
I personally think that's rubbish??!!
Many thanks.
I had read somewhere that if I change my standard wheels to another set of Ford wheels on my Mondy, I don't have to tell my insurance company as they are Ford wheels going on?
I personally think that's rubbish??!!
Many thanks.
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NobbyClark (19-01-2015)
#3
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the best way to think about a modification is a car leaves the factory the way the manufacturer intended it anything that deviates from that is a modification , ie different wheels regardless of being from same manufacturer.
#4
Ford allegiance
I know you must declare mods but I was thinking... What if the car you bought had ford alloys but were an optional extra for instance and different to the majority of other vehicles of the same model? Or what if you bought a car and wasn't aware they'd been changed prior to your ownership? Without the original receipt of purchase would you have to assume they'd been changed and therefore declare it?
#5
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yeah declare optional extras but make it known to them it is just an optional extra .
its down to the policy holder to make sure the information is accurate.
there has been a few cases where someone has went to claim then done the whole i didnt it had a 2litre twin turbo engine in it lol
its down to the policy holder to make sure the information is accurate.
there has been a few cases where someone has went to claim then done the whole i didnt it had a 2litre twin turbo engine in it lol
#7
PassionFord Post Troll
iTrader: (2)
Is a "regular bloke / woman" supposed to know what wheels were standard and which ones were optional extras for the car they're buying?
Us car enthusiasts might know, but I dare say the average 65 year old pensioner wouldn't know if the wheels on their 15 year old Fiesta were std or optional.
Is that just a way of insurance companies failing to pay out come claim time?
"Sorry, you've got pagid brake discs rather than motorcraft ones, we're not paying"
Of more concern should be people putting linglongtingtongditchfinders tyres on their cars and wondering why they're wrapped round a tree at the first sign of a damp road.. Where do you draw the line at an "option" or "non standard feature"???
Last edited by Dal_; 10-03-2015 at 03:10 PM.
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anthony lea (11-03-2015)
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#11
Advanced PassionFord User
iTrader: (2)
I've just reinsured my car, it asked if it was modified in anyway, I ticked yes, got a second box asking if it was wheels upto a value of £1000 or a towbar, both of which I had, neither made a difference to the premium on my daily,
It also covered tints etc without extra
It also covered tints etc without extra
#12
Too many posts.. I need a life!!
Thread Starter
Thanks everyone for your help and comments.
I've fitted new wheels and lowered springs and declared them to my insurance company and they wouldn't insure me!!! I've had to go with another insurer!!
I've fitted new wheels and lowered springs and declared them to my insurance company and they wouldn't insure me!!! I've had to go with another insurer!!
#14
Advanced PassionFord User
I'd disagree, the safest thing to do was ask his insurer about mods before doing it. He's now in the unfortunate situation of being refused insurance, insurers can be funny about stuff like that and its usually one the things they as when gettng a quote.
#16
Too many posts.. I need a life!!
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I phoned my insurance company a few weeks ago as I was going to fit my new wheels and a performance back box. I was quoted £14 extra plus £25 admin fee so I went ahead and had the wheels I had refurbed and then one of my front springs broke. This was the perfect excuse to buy a set of lowered springs, not knowing the springs would be the problem for my insurance company!!!
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