Alloys Choice Insurance cost of fitting alloys

generationgav · 16th October 2006, 14:06

Was going to get alloy's fitted today; £300 for a full set of 16" nice looking alloys.

Plus £250 on the insurance for 6 months for them!!!!!

Shall be leaving that then

Pottsy · 16th October 2006, 14:34

Gav is a hero. Posted this is in an inappropriate thread and then reported himself!

Bungle · 16th October 2006, 14:37

A hero? Careful you don't over-inflate his ego!

It is good to see people are bothering to contact their insurance companies about modifications, I am supprised to see your premium go up so mucg for a set of 16"s. I would have thought they would have just said "thanks for letting us know, bye". Shocking!

generationgav · 16th October 2006, 14:57

haha!
Well it's nice to keep this place good and tidy; was completely my fault for posting in the wrong place! Just glad I didn't get banned for it or something, that would have been harsh!

To be honest I really would have not known/thought about contacting my insurance company if it wasn't for Parky on this thread;
Mafia Honda Civic 1.4, "PIMPED" ...

Obviously though I want to stay legal and clean, it'd be stupid not too!

basegreen · 16th October 2006, 15:16

You've asked this to be moved to the recycle bin, but it might serve as a useful reminder to inform insurance companies when we make changes.

I hope you sticker owners have informed your insurance vendors, btw, as it is classed as "Modification - Decals".

basegreen · 16th October 2006, 15:17

What?

Pottsy · 16th October 2006, 15:25

bg - Gav put the top post in a thread about tyre prices, then realised he was talking about wheel prices, so reported himself. I moved it here, into a thread of it's own.

basegreen · 16th October 2006, 15:32

Now I understand

Needed a note to say so

generationgav · 16th October 2006, 15:39

Quote:

Originally Posted by basegreen

I hope you sticker owners have informed your insurance vendors, btw, as it is classed as "Modification - Decals".

haha; and it's the type of thing that I expect the insurance company could actually catch you on in this stupid day in age.

Can't believe I've caused so much trouble on one thread, sorry guys

You have also reminded me that I still haven't ordered by sticker yet, I'm so bad....will get it done now!

karlak · 16th October 2006, 15:47

Quote:

Originally Posted by generationgav

Was going to get alloy's fitted today; £300 for a full set of 16" nice looking alloys.

Plus £250 on the insurance for 6 months for them!!!!!

Shall be leaving that then

I think that price is a liberty. I was only quoted £100 for having my Golf Superchipped. I am guessing that the age is a major reason.

Incidently, when I get my EX with leather and roof, are they likely to up my premium for that? Has anyone tried? I am in my (very) late 30's so would hope a thankyou for letting us know would be the reply.

generationgav · 16th October 2006, 15:51

Quote:

Originally Posted by karlak

I think that price is a liberty. I was only quoted £100 for having my Golf Superchipped. I am guessing that the age is a major reason.

Incidently, when I get my EX with leather and roof, are they likely to up my premium for that? Has anyone tried? I am in my (very) late 30's so would hope a thankyou for letting us know would be the reply.

I am inclined to agree; I am 24 and obviously getting Alloy Wheels would be seen as an insurance risk as that means I'm sporty and am going to speed everywhere!

I'm 25 in 2 months but really have to wait until May to get my new price to get my 1years NCB too. Then my price should plummit!

And yes, I've only been driving for a year!

Bungle · 16th October 2006, 15:54

Quote:

Originally Posted by karlak

I think that price is a liberty. I was only quoted £100 for having my Golf Superchipped. I am guessing that the age is a major reason.

Incidently, when I get my EX with leather and roof, are they likely to up my premium for that? Has anyone tried? I am in my (very) late 30's so would hope a thankyou for letting us know would be the reply.

When I got mine, I told them at the 'any modifications?' bit that I had rear parking sensors, to which the lady replied 'factory fit items don't count'. According to that conversations, it shouldn't matter, it is only things that are 3rd party aftermarket things. Not sure if this is correct, though.

generationgav · 16th October 2006, 16:04

Quote:

Originally Posted by Bungle

When I got mine, I told them at the 'any modifications?' bit that I had rear parking sensors, to which the lady replied 'factory fit items don't count'. According to that conversations, it shouldn't matter, it is only things that are 3rd party aftermarket things. Not sure if this is correct, though.

I might double check that.
Oh golly I haven't informed about the rear parking sensors! I should do that too then...

I don't know if changing the bulbs will count?
I might just go with a list

changing the speakers can't make a difference too can they? It's not exactly a big system.

basegreen · 16th October 2006, 16:19

Dealer/official fit stuff is fine, as the car can be specified on delivery with that kit. Also, adding things like aftermarket speakers should again SHOULD be okay. I think if you look at the definitions theyre mainly for air filters/chipping/3rd party alloys et al

basegreen · 16th October 2006, 16:26

Oh, and the chances of an insurer putting up a premium for the fitting of reversing sensors is ZERO! Think about it!

And, as a final point, heavily modified cars can sometimes benefit from REDUCED insurance! This is because it is quite clear to the specialist insurer that the owner will want to protect their investment more than someone who just has a little runabout.

generationgav · 17th October 2006, 11:36

Quote:

Originally Posted by basegreen

Dealer/official fit stuff is fine, as the car can be specified on delivery with that kit. Also, adding things like aftermarket speakers should again SHOULD be okay. I think if you look at the definitions theyre mainly for air filters/chipping/3rd party alloys et al

Even though they're dealer fit; as they weren't purchased with the car they'll be extra; if they were fitted when I purchased the car the insurance would be the same price! I could have probably gotten away with it since my reciepts and stuff have no details of what wheels were on the car; but now I've informed them I can't. Ah well, stick with Steelies for a bit I guess!

longpig · 24th January 2008, 17:15

Where insurance companies are concerned get everything in writing----NEVER accept the word of the telephone walla!! They want your money and will get as much out of you as they can and if they can wriggle off the hook they will, leaving you high and dry!! Stuff like "We had our fingers crossed" Well not quite but you get my point?

16th October 2006, 14:06	#1 (permalink)
generationgav Supporter Magic Rear Seat Join Date: 29th May 2006 Location: Manchester, UK Posts: 807 Thanks: 0 Thanked 1 Time in 1 Post iTrader: (0)	Was going to get alloy's fitted today; £300 for a full set of 16" nice looking alloys. Plus £250 on the insurance for 6 months for them!!!!! Shall be leaving that then Last edited by generationgav; 16th October 2006 at 14:51.

16th October 2006, 16:19	#14 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,870 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	Dealer/official fit stuff is fine, as the car can be specified on delivery with that kit. Also, adding things like aftermarket speakers should again SHOULD be okay. I think if you look at the definitions theyre mainly for air filters/chipping/3rd party alloys et al Last edited by basegreen; 16th October 2006 at 16:27.

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This thread is about: Insurance cost of fitting alloys, it's in Wheels, Tyres, Suspension and Brakes at the Honda Civic forum Civinfo; Was going to get alloy's fitted today; £300 for a full set of 16" nice looking alloys. Plus £250 on the insurance for 6 months ...

16th October 2006, 14:34	#2 (permalink)
Pottsy Administrator Civinfo master Join Date: 10th April 2006 Location: Leics Posts: 5,098 Thanks: 18 Thanked 112 Times in 64 Posts iTrader: (0)	Gav is a hero. Posted this is in an inappropriate thread and then reported himself!

16th October 2006, 14:37	#3 (permalink)
Bungle Rocketship door handle Join Date: 3rd July 2006 Location: SE London/Kent Posts: 1,217 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	A hero? Careful you don't over-inflate his ego! It is good to see people are bothering to contact their insurance companies about modifications, I am supprised to see your premium go up so mucg for a set of 16"s. I would have thought they would have just said "thanks for letting us know, bye". Shocking!

16th October 2006, 14:57	#4 (permalink)
generationgav Supporter Magic Rear Seat Join Date: 29th May 2006 Location: Manchester, UK Posts: 807 Thanks: 0 Thanked 1 Time in 1 Post iTrader: (0)	haha! Well it's nice to keep this place good and tidy; was completely my fault for posting in the wrong place! Just glad I didn't get banned for it or something, that would have been harsh! To be honest I really would have not known/thought about contacting my insurance company if it wasn't for Parky on this thread; Mafia Honda Civic 1.4, "PIMPED" ... Obviously though I want to stay legal and clean, it'd be stupid not too!

16th October 2006, 15:16	#5 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,870 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	You've asked this to be moved to the recycle bin, but it might serve as a useful reminder to inform insurance companies when we make changes. I hope you sticker owners have informed your insurance vendors, btw, as it is classed as "Modification - Decals".

16th October 2006, 15:17	#6 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,870 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	What?

16th October 2006, 15:25	#7 (permalink)
Pottsy Administrator Civinfo master Join Date: 10th April 2006 Location: Leics Posts: 5,098 Thanks: 18 Thanked 112 Times in 64 Posts iTrader: (0)	bg - Gav put the top post in a thread about tyre prices, then realised he was talking about wheel prices, so reported himself. I moved it here, into a thread of it's own.

16th October 2006, 15:32	#8 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,870 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	Now I understand Needed a note to say so

16th October 2006, 16:26	#15 (permalink)
basegreen Super Moderator Civinfo guru Join Date: 15th April 2006 Location: noitacoL Posts: 2,870 Thanks: 0 Thanked 2 Times in 2 Posts iTrader: (0)	Oh, and the chances of an insurer putting up a premium for the fitting of reversing sensors is ZERO! Think about it! And, as a final point, heavily modified cars can sometimes benefit from REDUCED insurance! This is because it is quite clear to the specialist insurer that the owner will want to protect their investment more than someone who just has a little runabout.

24th January 2008, 17:15	#17 (permalink)
longpig Supporter Wheelnut Join Date: 9th October 2007 Location: south merseyside Posts: 54 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Where insurance companies are concerned get everything in writing----NEVER accept the word of the telephone walla!! They want your money and will get as much out of you as they can and if they can wriggle off the hook they will, leaving you high and dry!! Stuff like "We had our fingers crossed" Well not quite but you get my point?