Run flats and Insurance company

I am insured with Admiral and I called them today to say I have non RFTs. They said it would cost me an extra £40 a year which I am not overly bothered about but as far as I can see, they are letting other people off for free...?

They've said it's ok for the next 48 hours while I get 'a letter from BMW' saying they are standard but the chances of this happening are pretty slim. I therefore need some one who is insured with Admiral to let me know their name or reg number so I can quote that to customer services and then say, one of the reasons I chose Admiral was because of this fact. If anyone else has any good ideas too that'd be much appreciated. Otherwise it's guna have to be the £45 extra which I'd rather not do! :) Thanks!
 
Make sure - as ever - that whoever you get the response from you get their name and record the date and time AND repeat back what they have said to you to clarify/confirm. If you can get a written response or e mail much the better SO that when the arguments start...... :thumbsup:
 
How strange i'm insured with Admiral and the GF phoned them to find out if it made a difference changing to Non RFT's and they said that it made no difference to the policy. :?
 
Redzedfour - would you mind PMing me your REG number so I can use you as an example when I call admiral?
 
Living in Canada, a country without all those insurance conditions, I just can't believe all of the bull s...you guys have to deal with these guys! :thumbsdown:
 
BMW tech manual says running non-rft is ok if rft are not available, so if they say that at all they must be 'safe' as if it was in any way dangerous they wouldn't say that.

As per suspension, it won't matter a jot, just as much change may be seen from one rft to another, never mind rft to non-rft!


I'm with AXA and they didn't care at all as long as they were not slicks or something stupid!
 
Admiral agreed that 'tyres are not classed as a modification' and so didn't charge me more. I asked them to confirm this in writing! Thanks all for the help.
 
Page 21, note 4

http://www.bmwclub.lv/files/06_E85_Chassis_Dynamics.001.pdf

"In an extreme case, standard tires can be temporarily substitued on the same
wheel (rim) if RFT is not available."

If it wasn't safe, BMW wouldn't put this in a technical document.

Generally we have already seen that there is more variance from tyre brand to brand in tyre performance/rigidity etc to say that going for RFT over non-RFT has no impact on anything except the capability to actually 'run on flat' with a flat one.
You lose a feature, that is all. Insurers shouldn't care.

I've yet to hear a report of not being paid out for no-rft... probably as likely as not getting a payout for having a ZHP gearknob or a stubby aeriel :D

Dave
 
I wish I had read this thread before spending 20 minutes on the phone to Admiral, trying to explain to them what the difference between a normal tyre and RFT! I got the response "you are not covered if you have a flat tyre"...........not flat tyre....RFT!!!!!! But in the end they did agree that if the tyre fits i can put a non-RFT on :D
 
blackredz4 said:
do the insurance companys pay up for cracked alloy wheels which imo is all down to rft s imo ?
Click to expand...
Unless it was part of a bigger accident claim, then I don't see why you'd want to anyway.

It's more of a manufacturing quality issue, so it'd be a discussion between you and BMW.
 
:P put non run flats on my z4 .i never considered informing my insurance company as i was more interestad in gaining advice by many different sources on the benefit of fitting them. they are a great success.
 
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