Insurance question

P

pugsey

Member
Just phoned local dealer about changing RFT to normal tyres...she said i should inform my insurance company as im making a modification...they had once instance when i car was involved in a crash and the insurance didnt pay out due to std tyres instead of RFT
 
This all depends on who your insured with. Some insurance companies dont even know what an RFT is where as some will use it as an excuse not to pay out as it falls under "modification".

Its been discussed many times on here and the best thing to do is phone your insurer and ask them, also get something in writing if possible to cover yourself.

I can see where there coming from because if your accident was a result of a blow out they will just turn round and say RFT's would of prevented the accident.
 
Of course you should tell the insurance company that you are changing the tyres. Most accept it with no question.

Most likely the dealer is just using scare tactics about the actual payout, but no reason not to be correct with the insurer.
 
Agreed... I dont for one minute believe that the situation occurred, but the guys are right, we spend so much on cars and insurance that at the very least the "i"'s should be dotted and the "t"'s crossed.

I am with Chris Knott and they said it is not an issue for them.
 
cj10jeeper said:
Of course you should tell the insurance company that you are changing the tyres. Most accept it with no question.

Most likely the dealer is just using scare tactics about the actual payout, but no reason not to be correct with the insurer.
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Agree - but to be on the safe side when you tell them (Insurance Co.) make a record of the date, time and who you speak with just in case it comes back to bite - documentary proof is even beter.
 
Insurance companies in the UK should be shot, hung and quartered.

I do miss the days abroad where a car is insured for a certain value, that is it. Anyone can drive it, anything can be modified to it.

If you want to drive "safe" here on winter tyres, how would you do that? Notify the insurance company that you are not on run flats anymore as they are winter tyres and that means you have modified the car and no longer insured? In certain European countries it is a requirement to drive on winter tyres as they are safer. Oh no, not in the UK - you would invalidate your insurance. Useless money grabbing lot.
 
Just called Privilege about my F1s... I had to go away, speak to BMW and then verbally confirm with Privilege that BMW were okay with me using non-RFTs and they'd take my world for it.

The workshop guy at Cooper Reading told me they were for safety if you had a blowout at speed. He couldn't then explain why the faster more powerful M was okay on standard tyres.

Privilege were happy with the explanation - they're sending out documents to confirm the downgrade. No charge. Or for then Dension while I was at it.

Interestingly (or not) if I had to cancel because they couldn't underwrite the tyres I wouldn't have suffered a cancellation charge!
 
I'm thinking of changing to non-RFTs as well. Phoned my insurnace company (Elephant) last week and they said it doesnt classify as a modification so its ok to do. Had them send it to me in writing as well just in case.
I think i'll be putting the £500 saving towards refurbing my 108s :)
 
In a world where common sense could be used you would think that as long as the replacements were the correct size and speed/load rating for the car then they would be alright?
Whats funny about this situation is that the 'M' performance models dont have the stupid run-flats, yet there is nothing wrong with mr M5 driver replacing his tires with el-cheapo plaggyditchhunters and not having to mention it to insurance or otherwise?
That also goes for the other 90% of cars on the road that dont have runflats.
 
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