Changing wheel style - Will it affect insurance?

M

molar

Member
 53°22'59.245N, 1°27'53.232W (Sheffield!)
Hi guys,

I've been doing some research on refurbishing my style 108 wheels and got a few quotes etc.
I'm now thinking that the last thing I want to do is have them refurbished only for the corrosion to start again within a couple of years time.

I've always liked the look of the style 135M wheels. If I swap to these wheels, will it affect my insurance premium?

I've had some vague answers from my insurance company over the phone so I'll be putting it in writing to them, but just wondering if anyone else had experience of this?

Original OEM equipment and same size, style 135M was an option on this car when new and offers no performance gains as far as I can see.

Also, the new dealer price for style 135M wheels appears to be cheaper than 108's.

Thanks. :)
 
My insurance went up £25 with Directline when I changed my 18s for 17s
I also got them to note on my policy that I run non-RFT rather than a general yeah that OK - no charge for that
 
All you can do is check with your insurance, there is no definitive answer unless you ask them.
 
Swiftcover cover aftermarket alloys upto £1000 apparently, they dont charge you an additional premium, they just cap the limit they insure them for.
 
This question always gets me thinking. Would your average person know an OEM alloy from an aftermarket on purchase thus disclose it? Would an insurance company know that you have switched alloys while the car has been in your possession and not told said company?.

I think my point is if you were in a situation whereby you had to claim how could the insurance company ever prove you had "modified" the car whilst in your tenure without informing them or had bought the car without the knowledge the car had non std wheels. At no point does the process ask the wheels size/make etc etc.
 
Mafoo said:
This question always gets me thinking. Would your average person know an OEM alloy from an aftermarket on purchase thus disclose it? Would an insurance company know that you have switched alloys while the
Click to expand...

imo i wouldnt risk it.

In the insurance company eyes ignorance is not a valid excuse.. especially if you write you car off.. or worse hurt someone, and the insurance company void your cover due to any undeclared mods.

Most companys do not change extra for aftermarket wheels.. but if outside of renewal time will add some form of admin charge to update their records.
 
Just out of interest what price are you getting quoted for a set of 135Ms .. i quite like them..........
 
aquazi said:
Mafoo said:
This question always gets me thinking. Would your average person know an OEM alloy from an aftermarket on purchase thus disclose it? Would an insurance company know that you have switched alloys while the
Click to expand...

imo i wouldnt risk it.

In the insurance company eyes ignorance is not a valid excuse.. especially if you write you car off.. or worse hurt someone, and the insurance company void your cover due to any undeclared mods.

Most companys do not change extra for aftermarket wheels.. but if outside of renewal time will add some form of admin charge to update their records.
Click to expand...

Just to clarify one point here: Insurance companies can NEVER void the third party liability. They can only decline to pay out your damage.
 
Sorry for the delay and thanks for all the replies. I'm still waiting for written confirmation from my insurance company.
 
sandere85 said:
why not a radical change?????

look at these!



Uploaded with ImageShack.us
Click to expand...

Seen them before on this forum and they are lovely but I want to keep the car as standard as possible. 8)

I am tempted though!
 
ZermattV said:
Just out of interest what price are you getting quoted for a set of 135Ms .. i quite like them..........
Click to expand...

A set of pefectly refurbed 135M's with good quality runflats go for about £900.

The quote I got for brand new 135M's from a dealer was £1035 or £1190 if I want badges, fitting of existing tyres, balancing, etc.
 
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