Omega Owners Forum - Alloys and insurance

Proz Omega Baron Offline Posts: 2509 Cupar , Fife , Scotland Gender: Drives: 2003 2.2 CD Petrol Saloon	Alloys and insurance 11. Dec 2009 at 15:05 Ok im about to possibly buy some 18" or 19" snowflakes and thought id give my insurance people ( the AA ) a call just to tell them ..... they say it will take 2-3 days for them to decide wether they can continue to insure me with those alloys as they are not the standard size ..... wtf ????
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tunnie Over Active Poster Offline Posts: 22520 London, W3 Gender: Drives: 2.2 CD (LPG'd) & BMW R1200 GS	Re: Alloys and insurance Reply #1 - 11. Dec 2009 at 15:09 they standard fit on the Vectra VXR, so not sure why they should be so arsey about it!
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ryan martin Junior Member Offline Posts: 54 braintree essex Drives: v6 elite	Re: Alloys and insurance Reply #2 - 11. Dec 2009 at 15:10 thats poor i would have thought they would say thats ok but it will cost ya more money
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Proz Omega Baron Offline Posts: 2509 Cupar , Fife , Scotland Gender: Drives: 2003 2.2 CD Petrol Saloon	Re: Alloys and insurance Reply #3 - 11. Dec 2009 at 15:13 Yeah it kinda caught me by suprise as well .... i told her they were genuine Vx and not some cheap aftermarket stuff but still said it would take a few days to decide .... its because mine are 16"s at the moment and the new ones would be bigger
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Proz Omega Baron Offline Posts: 2509 Cupar , Fife , Scotland Gender: Drives: 2003 2.2 CD Petrol Saloon	Re: Alloys and insurance Reply #4 - 11. Dec 2009 at 15:14 ryan martin wrote on 11. Dec 2009 at 15:10: thats poor i would have thought they would say thats ok but it will cost ya more money To begin with all she said was fine if they have locking wheel nuts ... then she asked what was on mine at the moment and the size of the new ones .
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davethediver

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Re: Alloys and insurance
Reply #5 - 11. Dec 2009 at 15:23

Proz wrote on 11. Dec 2009 at 15:05:

Ok im about to possibly buy some 18" or 19" snowflakes and thought id give my insurance people ( the AA ) a call just to tell them ..... they say it will take 2-3 days for them to decide wether they can continue to insure me with those alloys as they are not the standard size ..... wtf ???? Undecided

Copied from a post in genral discussion about insurance

I used to pay £285 on a 2002 3.2 elite with declared stainless exhaust, now pay £571 with exhaust and 19" wheels.. A big price to pay, but if I crash (touch wood) I'm totally covered with a pay out, didn't fancy taking the risk not declaring the moods!!!! It's also a like for like wheel replacement, and there nearly £3,000 from vauxhall new.

Comments by Kingcosy i think Thumbs Up!

Pretty certain hes running 19" Snowflakes as well

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« Last Edit: 11. Dec 2009 at 15:24 by davethediver »

“It is not necessary to understand things in order to argue about them.”
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Entwood

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Re: Alloys and insurance
Reply #6 - 11. Dec 2009 at 16:17

Remember how insurance companies work .. it is all based on "risk" ... and by putting 19" wheels on you are increasing the risk... in their eyes... in 3 ways.

1) You have just declared yourself as part of the "chav" culture in their eyes .. you are now seen as a "boy racer" and are more likely to have an accident.

2) You have just made your car "pretty" and therefore a target for those malcontents who like damaging other peoples property, the chances of being keyed, for example, have risen.

3) Your car is now worth more to a thief, he can stell the car .. which is traceable, but remove the wheels and sell them as they are not.... so the risk of theft has increased.

Therefore they must decide, on the basis of risk, if they think it worth the "gamble" to insure you, and if so .. what "bet" (premium) they wish you to place.

You have your opinions and the ability to change company on your side .... they have masses of data and a clever computer system on theirs ..

It really is quite simple at the base level .... its a bet .. you bet you'll get damaged and need a repair .. they bet you won't and keep the premium..

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« Last Edit: 11. Dec 2009 at 16:18 by Entwood »

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Proz

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Cupar , Fife , Scotland
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Re: Alloys and insurance
Reply #7 - 11. Dec 2009 at 16:40

Entwood wrote on 11. Dec 2009 at 16:17:

Remember how insurance companies work .. it is all based on "risk" ... and by putting 19" wheels on you are increasing the risk... in their eyes... in 3 ways.

1) You have just declared yourself as part of the "chav" culture in their eyes .. you are now seen as a "boy racer" and are more likely to have an accident.

2) You have just made your car "pretty" and therefore a target for those malcontents who like damaging other peoples property, the chances of being keyed, for example, have risen.

3) Your car is now worth more to a thief, he can stell the car .. which is traceable, but remove the wheels and sell them as they are not.... so the risk of theft has increased.

Therefore they must decide, on the basis of risk, if they think it worth the "gamble" to insure you, and if so .. what "bet" (premium) they wish you to place.

You have your opinions and the ability to change company on your side .... they have masses of data and a clever computer system on theirs ..

It really is quite simple at the base level .... its a bet .. you bet you'll get damaged and need a repair .. they bet you won't and keep the premium..

a boy racer in his 40's Grin

I do understand were your coming from though Thumbs Up!

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KillerWatt

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Re: Alloys and insurance
Reply #8 - 11. Dec 2009 at 20:20

tunnie wrote on 11. Dec 2009 at 15:09:

so not sure why they should be so arsey about it!

It's called "Construction & Use".

The manufacturer invested £1,000,000's designing the car to work in the environment it was intended for, there are very few (by comparison) members of Joe Public who actually know what they are doing when they start making modifications to the running gear.

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« Last Edit: 11. Dec 2009 at 20:21 by N/A »

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kingycos2

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Re: Alloys and insurance
Reply #9 - 11. Dec 2009 at 21:43

Proz - Just be careful, make sure its like for like replacement if they say yes, as when you upgrade alloys and declare it, most insurance companies will only replace orignal standard alloys (ie 16" VX one's for yourself). So make sure you request like for like and its on your insurance documents. You will also need to declare spacers(if fitted) as its a seperate modification.
Also the 19" snowflakes were never fitted to a VXR, they were fitted to late vectra SRI's as an upgrade, 18" were the VXR version.... Thumbs Up!

Davethedive, spot on with the snowflakes too bud!!!

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Pete. Omega King Offline Makes Driving Pleasurable Again . Posts: 10449 Nr J28 of the M1 Gender: Drives: Black 02 Omega DTi. Black 56 Monaro VXR. Red 97 Rover 114 SLi.	Re: Alloys and insurance Reply #10 - 11. Dec 2009 at 21:51 Give Adrian Flux a call when it comes around to renewal. I can do pretty much whatever i want to my car & no effects to premium as long as i inform them of changes. I had the same problem when i wanted to put my 18's on with most companies. I've added a Irmscher Grille, 18's & a boot lip spoiler with no extra cost
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Proz

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Re: Alloys and insurance
Reply #11 - 11. Dec 2009 at 22:03

Pete. wrote on 11. Dec 2009 at 21:51:

Give Adrian Flux a call when it comes around to renewal. I can do pretty much whatever i want to my car & no effects to premium as long as i inform them of changes. I had the same problem when i wanted to put my 18's on with most companies. I've added a Irmscher Grille, 18's & a boot lip spoiler with no extra cost Thumbs Up!

Thanks ...i will do Thumbs Up!

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chrisgixer

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Black ones are faster.

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Re: Alloys and insurance
Reply #12 - 12. Dec 2009 at 10:12

i beleive the irmscher kit was available factory fit, and snow flakes are vx anyway, so no excuse for refusing to insure you. Sounds like some jobsworth has focused too much on the wheel size to me, and assumed the over all size will increase by the same amount.
Basically means she needs to speak to the underrighters, as she has not clue what she's talking about. Had very similar when declaring my lpg, she didnt know, so default answer is "no, but i'll check" it seems.

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unlucky mark mv6

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tipton,west mids

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Re: Alloys and insurance
Reply #13 - 12. Dec 2009 at 13:07

Proz wrote on 11. Dec 2009 at 15:05:

Ok im about to possibly buy some 18" or 19" snowflakes and thought id give my insurance people ( the AA ) a call just to tell them ..... they say it will take 2-3 days for them to decide wether they can continue to insure me with those alloys as they are not the standard size ..... wtf ???? Undecided

Dont tell em anything mate,i never have in the past and never will.they have enough money out of us motorists.In 1997 when i wrapped my car round a lampost,wall etc Roll Eyes

,they still paid me out,and the car was modded with alloys,lowered k&n filter etc.

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Machine polishing in west mids £40 also body repairs.pm me for more info.

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STMO123 Ex Member	Re: Alloys and insurance Reply #14 - 12. Dec 2009 at 14:15 Your speedo would be well out http://www.miata.net/garage/tirecalc.html
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