More Than Insurance and Non Runflats

[srhutch]

This seems to be a very hit and miss area. My local dealer confirms that Run Flats will not affect the warranty, are ok to fit on Standard rims, but wont fit them.

Esure.com confirmed with underwriters on two seperate days that it was OK to use non RFT's once when I phoned to ask, and again when I called back to say I had them fitted.

 

[a11y]

Esure.com confirmed with underwriters on two seperate days that it was OK to use non RFT's once when I phoned to ask, and again when I called back to say I had them fitted.

I too am with esure (til June at least) and they confirmed to me it was OK to fit non-RFTs - I called them to advise and they didn't have a problem with covering me despite that, but they told me they were putting a note on my file noting that I'd told them about my non-RFTs.

 

[Medium Dave]

Just got a quote from Chris Knott - good price and don't care about the tyres. Looks like time for a move.

 

[Shipkiller]

I seem to be a bit confused about Insurance in the UK.

From what I have been reading here on the forum, it appears that if you do any modification to your car, you have to notifiy the insurance company. Is that crap true????

And that in Europe, if you put any non-OEM approved parts on your car the car manufacture can deny your warrentee?

Do you really have to put up with that crap????

 

[gannet]

generally yes it is true..

can depend on the insurance company though - I mentioned to mine Id changed the wheels and they weren't fussed as long as they were OEM wheels...

Its all about accountability if they can find a reason not to pay they will

 

[biffa]

Yeah I think insurance companies doing whatever they can not to pay out is fairly universal.

 

[a11y]

I seem to be a bit confused about Insurance in the UK.

From what I have been reading here on the forum, it appears that if you do any modification to your car, you have to notifiy the insurance company. Is that crap true????

And that in Europe, if you put any non-OEM approved parts on your car the car manufacture can deny your warrentee?

Do you really have to put up with that crap????

How does it work on your side of the pond regarding modifications? It's a bloody nightmare here...

 

[Mr Whippy]

Its all about accountability if they can find a reason not to pay they will

Well, a bad insurer will go down that route.

A good insurer generally, won't care and will pay out, as long as the car is 'normal'

Ie, three claims through one UK insurer, all OEM stuff, but bodykit/wheels from the 'better' spec models, and they all were paid out in full at write-off (all non-fault btw)...

Bad insurers will find an excuse to not pay out even if it makes no difference at all, they are the ones to avoid, imho.

 

[srhutch]

Its all about accountability if they can find a reason not to pay they will

Well, a bad insurer will go down that route.

A good insurer generally, won't care and will pay out, as long as the car is 'normal'

Ie, three claims through one UK insurer, all OEM stuff, but bodykit/wheels from the 'better' spec models, and they all were paid out in full at write-off (all non-fault btw)...

Bad insurers will find an excuse to not pay out even if it makes no difference at all, they are the ones to avoid, imho.

Problem is you dont know how good they are until you come to claim, and somebody else may have had good experience with them but they give you the runaround.

 

[Mr Whippy]

Its all about accountability if they can find a reason not to pay they will

Well, a bad insurer will go down that route.

A good insurer generally, won't care and will pay out, as long as the car is 'normal'

Ie, three claims through one UK insurer, all OEM stuff, but bodykit/wheels from the 'better' spec models, and they all were paid out in full at write-off (all non-fault btw)...

Bad insurers will find an excuse to not pay out even if it makes no difference at all, they are the ones to avoid, imho.

Problem is you dont know how good they are until you come to claim, and somebody else may have had good experience with them but they give you the runaround.

Of course.

I just hope next year my old insurers give a more competitive quote and I'll move back to them, as they are simply fantastic even come claim time. Always pay quickly, always a bit over market value so you can get a slightly better one than you had. No call centre, just ring up and get one of three people at the local office

Sorted (PS, they are NFU mutual, not cheap, but their service when needed has covered the extra they charge anyway)

Dave

 

[Shipkiller]

As far as aftermaket parts are concerned, the Magnunson-Moss Warranty Act helps to protect you.

http://www.turnermotorsport.com/html/bmw_warranty_info.shtml

Federal Warranty Laws


1. The Magnuson-Moss Warranty Act (15 U.S.C. 2302(C))

This federal law regulates warranties for the protection of consumers. The essence of this law concerning aftermarket auto parts is that a vehicle manufacturer may not condition a written or implied warranty on the consumers using parts or services which are identified by brand, trade, or corporate name (such as the vehicle makers brand) unless the parts or service are provided free of charge. The law means that the use of an aftermarket part alone is not cause for denying the warranty. However, the law's protection does not extend to aftermarket parts in situations where such parts actually caused the damage being claimed under the warranty. Further, consumers are advised to be aware of any specific terms or conditions stated in the warranty which may result in its being voided. The law states in relevant part:

“No warrantor of a consumer product may condition his written or implied warranty of such product on the consumers using, in connection with such product, any article or service (other than article or service provided without charge under the terms of the warranty) which is identified by brand, trade or corporate name....” (15 U.S.C. 2302(C)).

2. Clean Air Act Warranty Provisions (42 U.S.C. S 7541 (C) (3) (B))
The federal Clean Air Act requires vehicle makers to provide two emissions-related warranties -- a production warranty and a performance warranty. The production warranty requires the vehicle maker to warrant that the vehicle is designed, built and equipped so that it conforms with emissions requirements at the time of sale. The performance warranty requires the vehicle maker to warrant that the vehicle will comply with applicable emissions requirements as tested under state vehicle emissions inspection programs for the warranty periods specified in the law (for model year 1995 and later vehicles, the warranty is 2 years/24,000 miles for all emissions-related parts and 8 years/80,000 miles for the catalytic converter, electronic emissions control unit and on-board diagnostic device). The performance warranty is conditioned on the vehicle being properly maintained and operated.

Like the Magnuson-Moss Act, vehicle manufacturers may not refuse warranty repairs under the Clean Air Acts performance and defect warranties merely because aftermarket parts have been installed on the vehicle. The only circumstance under which the vehicle manufacturer can void the emissions warranties is if an aftermarket part is responsible for (causes) the warranty claim.




As for aftermarket parts and the insurance companies, there is no requirement to inform your insurance company of any aftermarket work performed on your car.

But

The insurance company is not liable for those parts that are damaged in a mishap that are not OEM. Some insurance companies will go up to an amount of $1000 extra for repairs to replace any aftermarket stuff, no questions asked.

To get All of your aftermaket stuff insured, then you need a different policy...