Odd car insurance questions...

The smell could get up your nose causing you to sneeze and crash therefore a high risk

I best ring tomorrow

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ben g said:
Ringing your insurer up to tell them about a change of tyres :lol: you guys are so funny at times.

The call centre worker will probably think you're an utter nutter, especially ones who can't speak English properly.
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Had to spend half an hour trying to explain to a Welsh chap what a backbox does when I was after prices from Admiral.

Beggars belief that those working in the call centres have next to no knowledge on cars (or even experience)
 
I saw a published list recently containing the requirements from most of the insurance companies with regard to using winter tyres. Most didn't want to know. But there were others that had strict rules around sizes, alloy/steel wheels etc.

IMO it pays to check with your insurance company. None should charge regarding winter wheels though from memory.
 
I've told Direct Line each time I've swapped winter wheels & tyres on and off - they're quite happy to amend my policy without charge or penalty. My only concern is that the OEM fitment on my car is staggered 18s and the winters are 225/45/17 all round, so if I was involved in an accident with them on and they didn't know then they might claim I'd invalidated the policy by modifying my car without their knowledge. Seems paranoid I guess, but we do all go on about what robbing bar stewards insurance companies are....
 
Bing, most of the time they deal with alloys in terms of if you don't mention them and the car gets stolen they won't account for replacing them. I guess some may also increase premium due to desirability but not sure.

In terms of tyres my understanding is if the tyre is legal i.e. if it's the right size alloy for the car and the right size tyre for the alloy then that's fine. As far as I am concerned it's an urban myth that insurance companies would reject a claim based on the type of tyre. Happy to be proven wrong if someone can show me an example, but I have yet to see one.
 
I thought that an insurance company could only refuse a claim if they could prove the undeclared modification attributed to the accident


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sam1832 said:
I thought that an insurance company could only refuse a claim if they could prove the undeclared modification attributed to the accident


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No, that's wrong.

Insurers can declare policies void if the policy holder (i.e. you) fails to declare modifications, or other inaccuracies (convictions, mileage etc). Even though the modifications may not have contributed, insurers won't so much as refuse to pay a claim, but completely withdraw cover and refuse to even address the claim.
 
They can't refuse as they are responsible for third party claims anyway. They might get it back from the insured party, but they can not refuse the claim no matter what.
 
Hmmm! This is where it starts going into Lawyer speak.
You can ' Claim' yes. Although they may not 'Refuse' your 'Claim', they will say you have 'Invalidated' the 'Policy cover' by not declaring mods etc.
 
Costs me nothing except 5mins on the phone, so I just tell them :idunno:
 
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