I finally got some 18" RS6s fitted yesterday. Question is do I need to tell my insurance company?
Previous ones were standard 16" factory fitted.
Previous ones were standard 16" factory fitted.
Telling insurance about mods
- Thread starter Jay
- Start date
Officially yes, otherwise it could make your insurance null and void if involved in an accident.
ICE
ICE
doeboy
Registered User
it shouldn't do much if anything to the premium TBH, it;s only a theft risk.
Thats unless your expecting to do this to someone.
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Thats unless your expecting to do this to someone.
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AndyMac
Retired from service
It should go down if anything as the RS6's reps are worth less than the Audi originals.
I never told my insurance company about my 18's, not because I wanted to defraud anyone, but because it never actually occurred to me. If my car's wheels get nicked I'm hardly gonna claim on the insurance.
I never told my insurance company about my 18's, not because I wanted to defraud anyone, but because it never actually occurred to me. If my car's wheels get nicked I'm hardly gonna claim on the insurance.
Blunteh
Registered User
Yes... All mods should be declared or they could refuse to pay out on a claim. If you don't inform them you are commiting fraud.
Answer is YES!
I had a friend who put 18 anni wheels on his golf and saifdf they were VW option wheels from new to his insuarance....when he had a bump, they checked and decoded the sticker in his boot showing car spec and it shown it built 16's! Decided to not pay out!
he managed to take it to court and claim he never knew, and won SOME of his claim, but not all.. (but he darned well did know cos I went to get the wheels with him after he bought the car!)
So be safe and tell them. In court they admitted by him delcaring them, it would not have made the premium go up! But he misrepresented the car regardless!
I had a friend who put 18 anni wheels on his golf and saifdf they were VW option wheels from new to his insuarance....when he had a bump, they checked and decoded the sticker in his boot showing car spec and it shown it built 16's! Decided to not pay out!
he managed to take it to court and claim he never knew, and won SOME of his claim, but not all.. (but he darned well did know cos I went to get the wheels with him after he bought the car!)
So be safe and tell them. In court they admitted by him delcaring them, it would not have made the premium go up! But he misrepresented the car regardless!
AndyMac
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Blunteh
Registered User
When you tell the insurance company make sure they confirm that they payout to replace in the case of loss. My son declared his wheels to the insurer "Elephant" and when they were stolen they refused to pay out and would only cover the replacement cost of OEM wheels, its carefully hidden in the small print. Apparently the extra cost (£30 py) of declaring the wheels is to cover the fact they are non standard and more likely to be a theft target!
Things like uprated brakes, suspension, wheels, etc. (non-performance enhancing mods) normally only have an administration charge. Admiral used to charge me about £15 every time I changed something. Overall the premium never went up.
Blunteh
Registered User
Direct line increased my premium £65 for uprated ARBs.... In hindsight I wish I'd left them then (I didn't due to the month's premium penalty for leaving early, which is actually less than the increase and less than the difference between them and a better insurer....)
I might hold off for abit as insurance is up for renwal in June.
Just hope theres no incidents before then!
Just hope theres no incidents before then!
I had a car that had several mods declared and when I crashed it (no one else involved), the repairer had to sit on it until an engineer (not an assessor) went out to inspect it. He later told me that the bloke had come to check for other mods because declaring the few I had, they thought I'd have more. I didn't and they paid up which was good.
Mods were - airbox, filter, dv, exhaust, disks, brake hoses, strut brace, lowered.
I think they were looking for cosmetic as typically someone who's done the other work will have added wheels, lips, skirts etc.
They also would only have paid out OE replacements.
Mods were - airbox, filter, dv, exhaust, disks, brake hoses, strut brace, lowered.
I think they were looking for cosmetic as typically someone who's done the other work will have added wheels, lips, skirts etc.
They also would only have paid out OE replacements.
Blunteh
Registered User
s3ollie said:
Let's assume I flip my car and end up with it on it's side or upside down.... My nice bright red Neuspeed ARBs would show up a far bit..... Let's assume they say I lost control and that caused the flip, the accident investigators say it could have been due to my suspension being modified...
Bang... no insurance.
If I put it another way, would you bet your entire car (and possibly more) for £65 ? That's how I see it.. a gamble.
