I'm ordering my new wheels tomorrow but was just wondering if it affects your insurance by allot? would rather declare them then not because otherwise its pointless even been insured

I think the best bet is to phone your insurer and ask the question.

From their standpoint the new wheels may make the car more desirable to thieves hence more likely to be pinched.

If they are OEM alloys it might not be such a problem but the phone call is still worth doing IMO.

I've found my insurers to be pretty fair when it comes to alloy wheels in the past.

If you tell them you are upgrading them with genuine approved alloy wheels they will often not even charge you extra.

The worst thing you can do is not tell them.

I remember when I wanted to stick alloys on my Fabia, even ones that were an option from factory, was told I'd have to pay more.

I know for me (19 with no NCB) it was going to cost me another 80-120

I've just had to pay more for fitting better BRAKES. Bit annoyed, as surely it's improved my car's safety (although I don't want to hijack this thread by prompting a debate that's already been had!)

I'm narked for sure, but at least the insurers don't have a get-out clause should I ever have an accident...

(PS: This is for a 28 y.o. with 6 years' NCB - it's not just the teenagers that get charged extras for mods!)

the trouble is though apogee that the uprated brakes only tend to get fited by those that drive faster adn take more risks than a little old woman so are more likely to have a crash in the eyes of the insurance company so they charge more even if that isn't the case. insurance companies are theives :(

the trouble is though apogee that the uprated brakes only tend to get fited by those that drive faster adn take more risks than a little old woman so are more likely to have a crash in the eyes of the insurance company so they charge more even if that isn't the case. insurance companies are theives :(

Oh no, don't worry - I've had it all explained to me, both on here and by my insurance company (which is why I said I didn't want to hijack the thread!) My point was that I decided I'd better 'fess up, as I'd hate to have an accident, only for the loss adjuster to come along, have a look at the car, and say, "Uprated brakes? You didn't declare them. We're rejecting your claim!"

You're right though, any excuse to squeeze more money out of you, even if you are (IMO) a low-risk driver. Sure, I might drive in what the IAM call a 'progressive manner' when safe to do so, and the opportunity presents itself; and that's why I decided the OEM brakes were somewhat lacking. But I believe I know where the limits are, and wouldn't push them...

Anyway, it's not my thread, so I'm off the speak soothingly to my wallet, who's feeling a bit battered just now...

Well i've ordered my wheels regardless so whatever i have to pay extra on the insurance i will as thats how i want my car to look.

I suppose its because of people who have done modifications maybe shows the insurer that they will be going fast and are less reliable to standard car drivers. Still a right bum though

My company said as long as the wheels cost less than 1K all was well

It varies depending on who you're with. Direct Line and Tescos both charge a lot for fitting non standard alloys (even OEM ones - that makes no difference).

i was charged an extra

A friend of mine had a Cavalier with TSW Stealth five spokes on (this was a while ago) declared them to the insurance and paid the extra

It varies depending on who you're with. Direct Line and Tescos both charge a lot for fitting non standard alloys (even OEM ones - that makes no difference).

When I fitted aftermarket wheels to the Scooby, Tesco said that they operate in tiers so the wheels put me in the

If you do anything that alters your car from standard you must tell your insurer - tints, wheels, spoilers, go-faster stripes, ANYTHING!

Insurers can and do refuse to pay out if cars are altered in any way without them being notified first. It's a way of making money for them - a refused claim is the same as making several grand. What would you do?

When I fitted aftermarket wheels to the Scooby, Tesco said that they operate in tiers so the wheels put me in the

They did that with me and my wheels came in under the