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.

 

Hi,
Yes you would need to notify your insurer regardless if they are Ford wheels.
Regards,
Dan.

 

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.

 

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?

 

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

 

I declared mine and all they asked was if the tyre was any wider or if I had modified the wheel arches to make them fit.

I went from std 15's to comp 18's. They just made a note of them

 

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"???

 

not declaring any mods to your insurer plays right into their hands as if they can get out of paying in the event of a accident this is it so you open yourself up for trouble

 

Technically if you fit any pattern part to a car you are deviating from manufacturers specification, your car then becomes non original!

 

I've heard of people not getting paid out on a claim as they've fitted snow tyres!

 

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

 

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!!

 

might have been a pain to move insurer but safest way to do it in the end as at least your legally covered

 

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.

 

No he isn't, he asked the question then chose to cancel his policy. His insurance company didn't cancel it so he should be ok.

 

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!!!