vinnyvangough

Hi, has anyone had an accident with non declared alloy wheels, and had an insurance assessor out to have a look?

I got hit by an idiot but the wheels wasn't declared as i didnt realise they were on there when i went to pick the vehicle up. just wandering if anyone has any idea if my insurance company will pay out or not. i was fully comp on short term cover and only had the vehicle 6 days!!!

Any help much appriciated.

Coldo

Interesting, my Boss' partner crashed his car recently, he had 19's on instead of the original 16's but hadn't declared them.

They're wondering what will happen too.

vinnyvangough

On the phone my insurance company said "ok might not matter".

What sort of comment is that????

moesin2005

had a rs van minus the engine it got stolen when the rep for the insurance company came round for the keys etc she said about it haveing a undeclared k&n bur still payed up

vinnyvangough

i'm hoping they will as it as my insurance company that looked at it but are claiming off the other parties insurance. all this bloody hassle cause of some bloody stupid drunk/provisional liscence/passenger running from the scene chump

fuzzy

you didnt realise they were on it? doesnt say much for your awareness of things around you.
depends if the insurance company wants to be cunts or not.

C4llyT

Wheels didn't go towards the accident/claim, so shouldn't matter hopefully.
Only time I had to declare wheels was on a cav, fitted cdi alloys to a gli, and premium went down!

BM08

Anything you knowingly don't declare could invalidate your insurance, use your brain and read the documents you receive, it could save you alot of money and hassle!

I got my Golf last week and when i did the insurance i declared everything, exhaust, non standard wheels, suspension etc, and it didnt really change the premium at all, infact im only paying an extra £60 a year over a 1.8 Escort GTi so im pretty impressed

gaz s1

as above if they wanna be cunts they can invalidate your claim, always declare all mods

C4llyT

Doesn't really work like that.
If you make a claim, parts you haven't declared that don't contribute to the claim, shouldn't come into it.
Still not good practice.

Nath

Take them off before he comes round?
Its worth declaring everything just in case they don't pay out ...theres no point in jeopardising a claim for the sake of something like that....

Stavros

if its not your fault they wont be arses as its not them whos paying out

been there

fuzzy

they wont not pay out but they might offer a reduced amount but as the 3rd party is paying it wont matter.
my mate wrote of his evo8 and it had passed its first mot due date by 2 months,he had simply forgot about it.they were a bit awkward for a while but are still paying out

matts1

If your car gets stolen and you have underclared mods, the insurance can refuse to pay as the mods are what made it a more attractive target ie wheels, bodykits etc.

If you have an accident and have mechanical mods including wheels, brakes, suspension then again, they can claim that the wheels will have a played a contributing factor, ie not what they came with from factory so not recomended by a manufacturer.

As said, depends on the insurance companies view, but if they have any excuse not to pay, then they wont.

If the assessor has not yet visited, get the wheel off and some standard ones on there.

The downside for you is - short term fully comp and had the car six days? the insurance will view this as a little dodgy.

vinnyvangough

yea, i didnt have chance to get the wheels changed as been in and out of the doctors and not bein able to move about too much. i got a mate out to take the engine out of it though and the assessor didnt worry about that at all. its just a pain in the ass.

RickyLee53

I've got a car, with undeclared wheels....

I've put steelies on it instead of alloys.

Should i notify my insurance?

It's a ball ache with wheels, because i've had 3 sets on it in about 2 months. Can you really ring them that often?

I mean, i go out and change bits on my car weekly, how far can you go.

I would say they won't matter. Unless there 20 inch chromes and it came with 13" trims.

To be safe tho, stick something standard ish on it.

vinnyvangough

they already been out to see it. just gonna have to wait and see i suppose.

C4llyT

No MOT doesn't mean car is unroadworthy, so if it is there's no issue really.

fuzzy

was a 54 plate evo8 so it wasnt un-roadworthy.the crash wasnt his fault either but knowing how insurance companies try to wriggle out of things technically without an mot a car shouldnt be on the road so insurance could be void.
the insurance ombudsman made them get their fingures out but tescos insurance service have been a joke . the phones must be manned by care in the community chumps.

vinnyvangough

yea, depends how technical they wanna be and what questions are raised by the other parties.

vinnyvangough

wel, just got the dreaded letter through the post this morning, norwich union saying that they will not pay out because the alloy's were not declared. Where can i go from here??????
Is i worth me ringing up and trying to ge some sort of pay out on the vehicle or is that just gonna be a total waste of time???

C4llyT

CAB, insurance ombudsman etc, never dealt with this, sure someone has...
The wheels didn't make it unroadworthy, and didn't contribute to the accident, so fingers crossed it works out ok.
Your wheels don't make other party any less liable.

vinnyvangough

very true.
i was only aware when i took the policy out that the vehicle had standard rims on it, s thas hw i insured it, but, when i went to pick it up, it had these cheap 17" wheels on cause matey needed the wheels. i wasn't gonna complain!!!!

C4llyT

No way of saying you thought they were just a factory option for that model?

vinnyvangough

Nah, 17" dj's on a P reg escort van?
If mateyi bought it off hadn't wanted the steelies i would have still had them on