Swap wheels and insurance?

Ewazix · Post by **Ewazix** » Mon Mar 12, 2018 6:39 pm

MACK wrote: ↑Mon Mar 12, 2018 11:46 am http://ombudsman-decisions.org.uk/

The Ombudsman is publishing the full Monty on cases here http://ombudsman-decisions.org.uk/

Just to clarify, the Ombudsman finds for the Insurance in every case I dip-sampled, simply because term and conditions are that the Insurance co will not insure a car with ANY modification unless its notified. The question of safety, performance or whether or not it's a factory option is apparently irrelevant. We (consumers) are wide open to rejection and you can read and weep over the absurdity of some of the cases. Carpets fitted in a van being one!

mr wilks · Post by **mr wilks** » Mon Mar 12, 2018 6:45 pm

Ewazix wrote: ↑Mon Mar 12, 2018 6:39 pm
MACK wrote: ↑Mon Mar 12, 2018 11:46 am http://ombudsman-decisions.org.uk/
The Ombudsman is publishing the full Monty on cases here http://ombudsman-decisions.org.uk/

Just to clarify, the Ombudsman finds for the Insurance in every case I dip-sampled, simply because term and conditions are that the Insurance co will not insure a car with ANY modification unless its notified. The question of safety, performance or whether or not it's a factory option is apparently irrelevant. We (consumers) are wide open to rejection and you can read and weep over the absurdity of some of the cases. Carpets fitted in a van being one!

Best declare those colour coded 108s

MACK · Post by **MACK** » Mon Mar 12, 2018 7:24 pm

mr wilks wrote: ↑Mon Mar 12, 2018 6:45 pm
Ewazix wrote: ↑Mon Mar 12, 2018 6:39 pm
MACK wrote: ↑Mon Mar 12, 2018 11:46 am http://ombudsman-decisions.org.uk/
The Ombudsman is publishing the full Monty on cases here http://ombudsman-decisions.org.uk/

Just to clarify, the Ombudsman finds for the Insurance in every case I dip-sampled, simply because term and conditions are that the Insurance co will not insure a car with ANY modification unless its notified. The question of safety, performance or whether or not it's a factory option is apparently irrelevant. We (consumers) are wide open to rejection and you can read and weep over the absurdity of some of the cases. Carpets fitted in a van being one!
Best declare those colour coded 108s

And I better declare my led interior light bulbs!

Brasseye · Post by **Brasseye** » Mon Mar 12, 2018 7:56 pm

My E89 came with 17" wheels (la turbines) and runflats.
The Gent had owned one before and found the 17" with runflat a great combination, good turn in with comfort.
And I am never shocked at the price of good quality rubber.

Ewazix · Post by **Ewazix** » Mon Mar 12, 2018 8:13 pm

mr wilks wrote: ↑Mon Mar 12, 2018 6:45 pm
Ewazix wrote: ↑Mon Mar 12, 2018 6:39 pm
MACK wrote: ↑Mon Mar 12, 2018 11:46 am http://ombudsman-decisions.org.uk/
The Ombudsman is publishing the full Monty on cases here http://ombudsman-decisions.org.uk/

Just to clarify, the Ombudsman finds for the Insurance in every case I dip-sampled, simply because term and conditions are that the Insurance co will not insure a car with ANY modification unless its notified. The question of safety, performance or whether or not it's a factory option is apparently irrelevant. We (consumers) are wide open to rejection and you can read and weep over the absurdity of some of the cases. Carpets fitted in a van being one!
Best declare those colour coded 108s

Yes, another 'grey' area

ronk · Post by **ronk** » Mon Mar 12, 2018 8:20 pm

Bmw seem to emphasise the safety aspect of runflats - yet many on here have swapped to conventional rubber - the car is then non standard - same for winter rubber - should we be telling them of these changes and potentially getting an admin charge at the start of every winter and springtime tyre change?

Ewazix · Post by **Ewazix** » Mon Mar 12, 2018 8:31 pm

ronk wrote: ↑Mon Mar 12, 2018 8:20 pm Bmw seem to emphasise the safety aspect of runflats - yet many on here have swapped to conventional rubber - the car is then non standard - same for winter rubber - should we be telling them of these changes and potentially getting an admin charge at the start of every winter and springtime tyre change?

Short answer appears to be a definite 'yes' according to the Ombudsman's site. Funny thing is when I informed my insurance about non-RFT's they didn't seem to know what I was on about, then later confirmed it was OK, no cost. Again it's nothing to do with safety or performance, just simply not being as factory standard and not declared = potential voiding of policy.

ronk · Post by **ronk** » Mon Mar 12, 2018 8:46 pm

Buying new and up speccing the car with all the toys at the front saves on the annual insurance premium - but then bandits only give any payouts on a basic spec car!

Heads they win tails we loose

pvr · Post by **pvr** » Mon Mar 12, 2018 8:50 pm

THink the winter tyre saga and insurance incompetence was put to bed after a previous outcry a few years ago as even the village idiot knew the insurance industry were being complete idiots.

ronk · Post by **ronk** » Mon Mar 12, 2018 9:16 pm

pvr wrote: ↑Mon Mar 12, 2018 8:50 pm even the village idiot knew the insurance industry were being complete idiots.

But profiting at the same time!

Everyone wants a slice of our cash - even our after tax cash.
The insurance premium we pay potentially has the brokers 15% mark up then the insurance premium tax added to the revenue .

Ukrobotman · Post by **Ukrobotman** » Wed Mar 14, 2018 10:57 pm

I spoke to Churchill insurance today about my change from 19” wheels to 17” wheels
“ no problem, we’ll just make a note of it on our files” she said
I was expecting more questions. I guess not all insurance companies are the same.

Buckz · Post by **Buckz** » Wed Mar 14, 2018 11:02 pm

Ukrobotman wrote: ↑Wed Mar 14, 2018 10:57 pm I spoke to Churchill insurance today about my change from 19” wheels to 17” wheels
“ no problem, we’ll just make a note of it on our files” she said
I was expecting more questions. I guess not all insurance companies are the same.

They won't mind the wheels but Churchill is absolute turd when it comes to anything else.. they told me drilled discs were on their banned mods list..

pvr · Post by **pvr** » Thu Mar 15, 2018 8:43 am

That is true and why I moved away from Churchill as all my other mods were not allowed. And I am only talking about changing gear knob and satnav retrofit.

Z4-forum.com

Z4-forum.com