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Declaring different make of tyres?



Sir_Dave

ClioSport Trader
Heres a thought, insurance companies always bang on about declaring new modifications, etc (as does everyone on here), even down to things like DS2500, Brembo HC's and braided lines - that look exactly the same as the originals & could quite easily be fitted perfectly innocently as like for like replacements ....

But are you expected to declare:

1. A change of tyre from OEM contisport to Eagle F1's.
2. Pattern exhaust instead of OEM
3. Halfords oil instead of Elf
4. Magic Tree air freshener instead of BO

Taken literally, they are all modifications & theoretically all affect the original design characterists of the car, ie handling, noise & likelyhood of engine seizing on motorway and causing a pileup ...

Discuss.

PS. Feel free to move this to the insurance section as i mistakenly put it in the wrong place :)
 

RichCup

ClioSport Club Member
  #174
Yeh it's where to draw the line really. Braided lines are like the originals but better, same with pads and discs too. It's the same concept with tyres so technically they are a modification too.

It's like stripping stuff out of the car. You could have person A who carries round a bootful of bricks all the time or person B who carries nothing. Person B's car will be much quicker yet the insurance is the same.
 
  Black Gold Trophy
Can of worms about to be opened!
People are always banging on about declaring modifications (especially on modified car forums) but I honestly think its down to the individual to use their common sense.
The reality of it is declaring them is an excuse for the insurance companies to charge you more money, and worse case scenario if you were involved in an accident and a vehicle assessor was to inspect your vehicle, he probably wouldn't know the difference between a 172 and dynamique at first glance.
I got in an argument with a vehicle assessor once when he was trying to declare my mums car as a category C write off, when trying to illustrate a point he was using my car as an example, he looked at it and said which model is that? a 1.2 or a 1.4?
So most of them are thick t***s to be honest and don't know the first thing about cars anyway. So to keep myself in the bangwagons good books, I'm not saying "by all means don't declare your mods because assessors are t***s anyway!"
I'm just saying there is no fine line as to what can be defined as a modification, so I would use your common sense when declaring something that doesnt enhance performance significantly or dramatically alter the cars appearance.

Sorry for the essay! lol!
 
  Lionel Richie
i do know of an audi tt that was smashed up and the insurance didn't pay out becuase it had cheap tyres on it
 

Paddy_g46

ClioSport Club Member
i do know of an audi tt that was smashed up and the insurance didn't pay out becuase it had cheap tyres on it

Surelt i cant just be a case of they were shite tyres? Thye musnt have had certain markings etc. I know you can get really shite tyres from the far side of the world that dnt meet british standards or something like that.
 
  audi a6 3.0tdi
I declaired that i stripped the car out just to be on the safe side. It didn't put the policy up but they did make a note of it. Insurance companies will do anything to get out of paying
 

fil_b

ClioSport Club Member
  172 FF and Fabia VRS
I declaired that i stripped the car out just to be on the safe side. It didn't put the policy up but they did make a note of it. Insurance companies will do anything to get out of paying

but stripping the car out changes it for a 4/5 seater to a 2 seater

some companies will bend you over for that
 
don't know if they do, but i'd have thought they might be interested in road cars fitted with track tyres - as they can be chuffing dangerous on the road
 
But if they're road legal then aren't they just as valid to be used as the OE tyres?



(I can see both sides of the argument, I'm just playing devil's advocate ;) lol)
 
  Glanza
Its hard to decide where to draw the line, but anything that changes the way the car looks or drives on mine I tell my insurance company.
 
  Mk2 Golf
just to add to the point that assesors know heehaw. My mate crashed his Corsa, and when hte insurance guy came round he pointed out he had an irmscher front bumper, he even stated it by name. It looked pretty standard so props to the guy for noticing it.
 


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