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      11-28-2010, 02:26 PM   #23
doughboy
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Originally Posted by AlanQS View Post
Interesting. I asked Esure yesterday and they said no charge, just let us know when you fit them and when you change back. I didn't mention wheels though as they are standard BMW wheels - so no problem.
It absolute bollocks, these half wits at call centres.

What use is it telling them when you change tyres? Do you tell them when you put a different brand of oil or petrol in?

Or maybe some bad-boy aftermarket screenwash?

If the tyres are rated for the car / duty / weather then there is no need to tell anyone. Its just a waste of time and more often than not they'll try to charge you because the idiot on the phone will press the 'modified wheels' button on his screen.

If the wheels are the same style and diameter then just get on with it, if they are different then expect a charge for modding.
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      12-06-2010, 07:03 PM   #24
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Tricky finding the most appropriate winter tyre thread to put this in

This may be of interest to people being charged higher permuims....

http://www.smmt.co.uk/articles/artic...rticleid=22819

http://www.theaa.com/motoring_advice...in-the-uk.html
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      12-07-2010, 05:00 AM   #25
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Originally Posted by mjh93sa View Post
Tricky finding the most appropriate winter tyre thread to put this in

This may be of interest to people being charged higher permuims....

http://www.smmt.co.uk/articles/artic...rticleid=22819

http://www.theaa.com/motoring_advice...in-the-uk.html
They had a good run, scraping in as much money as possible.

Doubt much will change.

I think fitting different wheels with winters is still going to be a grey area for some insurers.
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      12-07-2010, 06:01 AM   #26
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As we've said, its not the tyres but the wheels that are an issue.

Insurers systems aren't geared up to handle 'modified wheels' when it isn't intended as an 'enhancement' or tuning type modification.

Best sticking to the same wheels as your summers and just not mentioning it.

Can of worms staying SHUT.
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      12-09-2010, 12:39 PM   #27
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My insurers (LV) are happy with the change of rims, so long as it is within standard spec for the car. Their advice was to try to keep the same size rims, but didn't seem to see it as a 'mod' as such.

The concern seemed to be to ensure that the rims are appropriate for the model and age of the vehicle. If they were fitted to that model or were an option for fitting to that model, then it seems to be OK. There were no issues with snow tyres.

All that seems fairly reasonable to me.
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      12-10-2010, 04:39 AM   #28
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I spoke with my insurer (Admiral) and they said as long as they were BMW approved/recommended original fitments, then there would be no charge for changing the wheels and tyres.

I'm very sure If I'd have bought aftermarket alloys, then there would have been a charge as it's a "modification" from the standard car. I was charged 52 for the Supersprint exhaust though
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