Factory fitted Alloy wheels and insurance!!

sam1970

I am looking for an insurance quote for a 6 months old car I am buying. This car normally comes with 18 inch alloys as standard but the previous owner have paid for the optional 19 inch alloys. Do I need to tell the insurers about this? does it count as modification even though it was factory fitted?

Sgt_Pepper_2

Is it an s line?

thescouselander

Strictly speaking some insurers may count this as a modification - and some companies will try to load the premium as a result. Its worth telling them though as you don't want to get into a dispute in the event of a claim.

A guy who I work with selected the optional side skirts for his volvo and his insurance went up by 40%! In the end he had to cancel the insurance and find a different insurer.

TrickyWicky

Yes I'd tell them. Don't forget this may also affect your speedo too.

sam1970

Sgt_Pepper wrote: »

Is it an s line?

Excellent guess...yes it is

vikingaero

Some people will tell you no, some will say yes. Some Insurers disregard factory fitted options, others charge you to cover them. It depends on your Insurer.

Most of the time the question asked is something along the lines of: "Has the vehicle been modified from the manufacturers standard specification?"

So 19 inch alloys will be a modification based on that question.

If you insure through the Admiral Group of Insurers then beware of their Standard Parts Replacement Clause.

sam1970

I am hoping to buy a policy on line through a comparison website so I need to decide on what to write as I am not speaking to a salesman

Sgt_Pepper_2

Do any of them come with 19" as standard?

sam1970

I dont think so

molerat

TrickyWicky wrote: »

Don't forget this may also affect your speedo too.

Why's that ?

Factory fitted Alloy wheels

....... but the previous owner have paid for the optional 19 inch alloys .....

Sgt_Pepper_2

sam1970 wrote: »

I am hoping to buy a policy on line through a comparison website so I need to decide on what to write as I am not speaking to a salesman

You may find this a problem with mods.

What have your quotes been like so far?