Swiftcover....Trye issue. Please help, I’ve opened a can of worms!! Advice needed.

Animalfreeride · 02-22-2010, 01:44 PM

These are my latest emails;

Dear Swiftcover,

In response to your email I would like to point out that in your initial
reply you appeared to confirm you were happy for me to go ahead with change
of tyre as detailed. However on spotting an apparent administrative error, I
sought confirmation to ensure that my policy would be in no way be
invalidated.

In your follow up email you have now asked me to seek advice from BMW. I am
confused by your reply; I'm sure you're aware that most manufacturers will
recommend a specific component and so I am seeking clarification of the
queries you wish me to put to BMW.

To the best of my knowledge the tyres that I intend to fit, which are a
premium brand, are in no way performance enhancing and, as previously
stated, are identical in dimension. The only difference with are that they
do not have run flat properties and my only reason for wishing to
change them is comfort.

The inconsistent responses I have received from you to date have succeeded
in confusing me so I would therefore ask you to clarify exactly what you
mean by "acceptable". If necessary, please could you refer this matter to
your Customer Services Manager in the hope that they will be able to give me
a definitive answer.

Yours Faithfully,

(animalfreeride)

I got this reply from Shitcover;

Dear (animalfreeride),

Thank you for your e-mail.

I can confirm that we will be happy to cover the new tyres as long as they in no way enhance the performace of the car. You would need to cheek this with BMW about the type of tyres that they are putting on the car.

Kind Regards,

Swift Help Team
Swiftcover.com

So you can guess by now i'm getting teasy. I sent Shitcover this. I am awaiting a reply.

Dear Swiftcover,

In response to your latest email; as previously stated, I have already
advised I do not intend to fit any kind of tyre which to the best of my
knowledge would be "performance enhancing".

I have already provided you in my initial email as to the tyres which the
vehicle was fitted with by BMW on manufacture (i.e. Bridgestone Potenza run
flat tyres). I can of course write to BMW if you require me to, but am sure
they will only confirm the information that I have provided you.

I would suggest most motorists do not tend to keep to the original brand
tyres fitted on manufacture in any event as they are regarded as a "wear and
tear" item. I am merely seeking an alternative brand without the run flat
properties.

I am beginning to find this a very frustrating situation and find your
responses both ambiguous and non committal. To reiterate, they are not
performance enhancing, they are the same dimensions but without run flat
properties.

I simply want to know if you will provide full cover should I swap to these
type tyres.

Yours Faithfully,

(animal freeride)

Interestingly though a BMW representative, who unlike Shitcover can actually speak English replied today with this;

Dear (animalfreeride),

Thank you for contacting BMW Customer Information.

BMW aims to provide our customers with a premium product that provides ultimate safety with optimum performance and it is always a concern to receive feedback of this nature.

We chose to include Run-flat technology on our vehicles for the following reasons:

It is dangerous to stop on any road to change a tyre, especially on a motorway or at night.

There is no need to have to wait for a breakdown service to arrive.

Safety and security of the driver and passenger(s) is maintained.

Alloy wheels are difficult to detach from steel hubs.

On most cars the spare is under the contents of the boot, and uses boot space.

It can be tricky to line up the wheel bolt holes with the hub screw holes and match the thread.

The dirty punctured tyre needs to be removed and stored in the boot.

Another puncture before the punctured tyre is mended means one is stranded.

A driver can continue for 150 miles at 50mph with a punctured Run-flat tyre.

All of our vehicles that use Run-flat technology have their suspension and braking components set up to accommodate Run-flat tyres. Should you decide to change to non Run-flats, it may alter the driving and handling characteristics of your vehicle. It is for this reason that this modification is not recommended by BMW as a manufacturer.

However, it is possible to have standard tyres fitted. You will additionally need to purchase either a spare wheel with jack and brace set or a mobility kit which can be ordered from the Parts Department of your nearest BMW Approved Dealership.

Please do not hesitate to contact me if you have any further queries.

Yours sincerely,

BMW Group UK

Lewis Jeffreys

Customer Information Advisor

Ellesfield Avenue

Bracknell RG12 8TA

It's no surprise that BMW are defending the RFT technology. They are hardly going to admit that it is complete sh*te. You will note though that the BMW representative refers to the change as a "modification" and suggests the car handles differently. I think if I were to disclose this, Shitcover would get twitchy especially when the the word "mod" is mentioned. However he does mention it is possible. I am toying whether to ask him in separate correspondance whether he could just confirm in writing that it is "possible" in the hope Shitcover will finally give me a straight answer.

Tunna_uk · 02-22-2010, 01:54 PM

OMFG do I have to tell them I painted my standard OE wheels black?????

This thread is crazy, what i can't understand is that you would think Motor Insurers would employ someone who actually understands vehicle technology.......

Animalfreeride · 02-22-2010, 02:03 PM

Quote:

Originally Posted by Tunna_uk

OMFG do I have to tell them I painted my standard OE wheels black?????

This thread is crazy, what i can't understand is that you would think Motor Insurers would employ someone who actually understands vehicle technology.......

....and English!! Lol. Yes agree. I'm at a loss. I suppose they employ monkeys so I guess it's no surprise.

beemerbird · 02-22-2010, 02:15 PM

They 'plugged' RFT's didn't they ha, ha..............best you don't ask if they can be repaired after a puncture. Just buy a new one and get tyre insurance eh.

At least you're getting replies but jeez......keep at 'em.

Animalfreeride · 02-22-2010, 02:21 PM

Ok, I'm really f**ked off with all this sh*t. I'm seriously thinking of cancelling my policy and going elsewhere. Anyone used a company and had NO PROBLEMS when declaring non RFT's.

Tunna_uk · 02-22-2010, 02:25 PM

watching this thread with interest, only 4 mm left on my Michelin Run Flat rears....was going to buy some Vreds......

Jeff123 · 02-22-2010, 02:25 PM

Hi

I am considering changing to non-RFT's and when I was speaking to my insurer (Esure), the guy checked with his Boss and came back saying that there was no problem as long as the tyres and wheels were as spec.

I double-checked that he knew what RFT's were and he said that his Aunt recently changed her 58 reg 320 to non-RFT's. He didn't seem to think that it was a major issue.

I think that we are in danger of making the issue over-complex. The point that someone made about hitting the central barrier after a blow-out is a good one, therefore, we just need to inform the company of the change and ensure that they update their records.

In my business dealings, I find that an e-mail is now accepted as contractural, so I would just try to get this type of confirmation from try insurer.

Jeff

Animalfreeride · 02-22-2010, 02:58 PM

Quote:

Originally Posted by Jeff123

Hi

I am considering changing to non-RFT's and when I was speaking to my insurer (Esure), the guy checked with his Boss and came back saying that there was no problem as long as the tyres and wheels were as spec.

I double-checked that he knew what RFT's were and he said that his Aunt recently changed her 58 reg 320 to non-RFT's. He didn't seem to think that it was a major issue.

I think that we are in danger of making the issue over-complex. The point that someone made about hitting the central barrier after a blow-out is a good one, therefore, we just need to inform the company of the change and ensure that they update their records.

In my business dealings, I find that an e-mail is now accepted as contractural, so I would just try to get this type of confirmation from try insurer.

Jeff

Thanks Jeff. I plan to go to Moneysupermarket.com, get some quotes, then email with the RFT query prior to purchasing unless Shitcover through some miracle actually give me a straight answer tomorrow!!

Hotcoupe · 02-22-2010, 03:18 PM

Quote:

Originally Posted by Animalfreeride

Thanks Jeff. I plan to go to Moneysupermarket.com, get some quotes, then email with the RFT query prior to purchasing unless Shitcover through some miracle actually give me an answer tomorrow!!

What a thread!

Just shows up the sheer ignorance and incompetence of some of the numpty's these insurance companies employ.

I'd start with LV insurance, great for all mods, although changing from a tyre that does nothing for comfort and arguably nothing to enhance roadholding abilities, to a tyre that offers both and more,is hardly a mod imo

http://www.lv.com/home/

Second company to try would be:

http://www.directline.com/motor/car-insurance.htm

Used both, and both had no problems with non RFT's and knew what they were

NFS · 02-22-2010, 04:29 PM

Quote:

Originally Posted by Animalfreeride

Dear (animalfreeride),

Thank you for your e-mail.

I can confirm that we will be happy to cover the new tyres as long as they in no way enhance the performace of the car. You would need to cheek this with BMW about the type of tyres that they are putting on the car.

Kind Regards,

Swift Help Team
Swiftcover.com

This is 100% clear to me. There is no dubiety in this sentence. They have confirmed that the use of non-RFT's is acceptable.

BMW have also confirmed that the use of non RFT is 'possible', but not 'recommended'. I think you are good to go.

Animalfreeride · 02-22-2010, 04:54 PM

Quote:

Originally Posted by NFS

This is 100% clear to me. There is no dubiety in this sentence. They have confirmed that the use of non-RFT's is acceptable.

BMW have also confirmed that the use of non RFT is 'possible', but not 'recommended'. I think you are good to go.

Dear (animalfreeride),

Thank you for your e-mail.

I can confirm that we will be happy to cover the new tyres as long as they in no way enhance the performace of the car. You would need to cheek this with BMW about the type of tyres that they are putting on the car.

Kind Regards,

Swift Help Team
Swiftcover.com

Lol. Well apparently I need to show my cheeks to BMW! The emails I have attached are carbon copies and only confirms the level of incompetence by them. I'm looking forward to my reply tomorrow!

Dave_3 · 02-22-2010, 04:58 PM

Quote:

Originally Posted by NFS

This is 100% clear to me. There is no dubiety in this sentence. They have confirmed that the use of non-RFT's is acceptable.

BMW have also confirmed that the use of non RFT is 'possible', but not 'recommended'. I think you are good to go.

Not exactly - it states 100% what they won't cover. And suggests BMW are the people who they will look to for guidance.

It does not state 100% clearly that fitting a similarly specced (dimensions, load speed) normal tyre is covered in plain English. Getting a simple "Yes, we will cover you with that tyre" is all he needs .... squirming insurance brokers.

D.

NFS · 02-22-2010, 05:02 PM

Quote:

Originally Posted by Dave_3

Not exactly - it states 100% what they won't cover. And suggests BMW are the people who they will look to for guidance.

It does not state 100% clearly that fitting a similarly specced (dimensions, load speed) normal tyre is covered in plain English. Getting a simple "Yes, we will cover you with that tyre" is all he needs .... squirming insurance brokers.

D.

The email says they will cover the tyres if they do not 'enhance performance'.

The insured party is obliged to inform insurers of any relevant information. The OP has done this and has received a response.

He does not need to do any more. If Swiftcover objected they should have said so. They have not.

Dave_3 · 02-22-2010, 05:11 PM

Quote:

Originally Posted by NFS

The email says they will cover the tyres if they do not 'enhance performance'.

The insured party is obliged to inform insurers of any relevant information. The OP has done this and has received a response.

He does not need to do any more. If Swiftcover objected they should have said so. They have not.

It is worded in a manner that leaves wiggle room.

Why not simply say "we will cover you with that type of tyre" ?

As BMW clearly state in their e-mail that "it may alter the driving and handling characteristics of your vehicle" ... which could be construed as the "performance" of the tyre - not as in increased performance mods, but altered performance. Nitpicking .... but still wiggle room.

I would rather the Insurers confirm to the postive, rather then repeatedly explain what they don't cover.

D.

NFS · 02-22-2010, 06:17 PM

Quote:

Originally Posted by Dave_3

It is worded in a manner that leaves wiggle room.

Why not simply say "we will cover you with that type of tyre" ?

As BMW clearly state in their e-mail that "it may alter the driving and handling characteristics of your vehicle" ... which could be construed as the "performance" of the tyre - not as in increased performance mods, but altered performance. Nitpicking .... but still wiggle room.

I would rather the Insurers confirm to the postive, rather then repeatedly explain what they don't cover.

D.

If you have a policy AND you declare all relevant information AND they do not notify you of any problems with your cover ....

You are in the clear.

zltm089 · 02-22-2010, 06:30 PM

Like I said before....car insurance companies/ brokers r just a bunch of retarded call centre robots...

They sent me my cover note for the TTS and they put the car down as a "saloon"!!!!!... when did Audi make 4 doors TT ?

and what the hell do they mean by performance enhancing? if the tyres tyres improve grip and stability under high speed driving, then surely they could be classed as "performance enhancing"...ohhhh they mean, power enhancing maybe???....

zltm089 · 02-22-2010, 06:33 PM

Funny how they always try "pass the bucket" and send you to BMW....so common these days!!!...ohh, its another department...we can't deal with this....u've told them what tyres ur fitting....clear answer....yes ur covered....or no ur not!!!....they're always, avoiding a final answer!...

Dave_3 · 02-22-2010, 06:40 PM

Quote:

Originally Posted by NFS

If you have a policy AND you declare all relevant information AND they do not notify you of any problems with your cover ....

You are in the clear.

Take that statement and look into the eyes of the young, ambitious lawyer.

They clearly did notify the OP when he would not be covered by the policy. Your interpretation from their repeated (obviously scripted) reply is that he is fine. That may not be their interpretation if they are forced to look into it more carefully.

Neither of us can say for certain, hence why I would like the insurance company to simply reply with a definite answer.

D.

xenon · 02-23-2010, 02:01 AM

Whilst you can accept that the handling characteristics may change I don't think the blow-out scenario has any bearing. As I understand it, an RFT is no more or less susceptible to a blow-out than a conventional one. An RFT is designed to stay on the rim and support the car, for a limited time, with no pressure after a puncture but this is not the same as a high-speed blow-out where instant pressure loss is caused by sudden, severe damage to the tyre usually resulting in the tyre delaminating and disintergrating. I think an RFT would suffer in the same way.

acerboo · 02-23-2010, 02:47 AM

Quote:

Originally Posted by beemerbird

Absolutely true!

I know of a claim disputed by an insurance company based on the fact that the tyre pressures on two tyres were incorrect, therefore the handling, braking and stopping distances of the vehicle were compromised and could have contributed to the accident. In other words, they were implying the car was defective at the time of the accident.

Changing from RFT's to non RFT's could be used as a 'get out clause' for an insurance company in the event of a claim as they could argue that non RFT's are not OEM and they were not notified of the change. RFT's are designed to allow the car to be driven in the event of a puncture. Cars with non-RFT's are supplied with either a spare wheel or one of those repair kits. Something else to consider. Common sense to inform them - end of. Think we all know that deep down!!

the same could happen if you have a puncture in a runflat and are making your way to a garage and the whole thing lets go, bridgestone have already accused me of running my rear tyres below pressure and causing the premature inside wear their tyres are famous for when in fact i keep the pressures to exactly bmw reommendations.

Skid · 02-23-2010, 02:49 AM

We all drive on radial tyres thesedays because they are less likely to delaminate during a blow-out.

I too spoke to my insurers when I went the non run flat route.

There response was providing the tyres are the same size, speed and load rating that there would be no issue.

doughboy · 02-23-2010, 02:59 AM

You need to deal with an insurer, or broker, that are familiar with mods and can cope with them.

These low-risk mass market firms like Esure etc are just there for the 99% of drivers who just buy / use / sell cars as objects and have no interest in them.

I'll be using a BMW car club linked broker this year who specialise in covering club cars and mods.

Wait and see...

02-22-2010, 01:44 PM	#45
Animalfreeride Private 13 Rep 88 Posts Drives: BMW 335i MSport Coupe Join Date: Jan 2009 Location: England iTrader: (0)	These are my latest emails; Dear Swiftcover, In response to your email I would like to point out that in your initial reply you appeared to confirm you were happy for me to go ahead with change of tyre as detailed. However on spotting an apparent administrative error, I sought confirmation to ensure that my policy would be in no way be invalidated. In your follow up email you have now asked me to seek advice from BMW. I am confused by your reply; I'm sure you're aware that most manufacturers will recommend a specific component and so I am seeking clarification of the queries you wish me to put to BMW. To the best of my knowledge the tyres that I intend to fit, which are a premium brand, are in no way performance enhancing and, as previously stated, are identical in dimension. The only difference with are that they do not have run flat properties and my only reason for wishing to change them is comfort. The inconsistent responses I have received from you to date have succeeded in confusing me so I would therefore ask you to clarify exactly what you mean by "acceptable". If necessary, please could you refer this matter to your Customer Services Manager in the hope that they will be able to give me a definitive answer. Yours Faithfully, (animalfreeride) I got this reply from Shitcover; Dear (animalfreeride), Thank you for your e-mail. I can confirm that we will be happy to cover the new tyres as long as they in no way enhance the performace of the car. You would need to cheek this with BMW about the type of tyres that they are putting on the car. Kind Regards, Swift Help Team Swiftcover.com So you can guess by now i'm getting teasy. I sent Shitcover this. I am awaiting a reply. Dear Swiftcover, In response to your latest email; as previously stated, I have already advised I do not intend to fit any kind of tyre which to the best of my knowledge would be "performance enhancing". I have already provided you in my initial email as to the tyres which the vehicle was fitted with by BMW on manufacture (i.e. Bridgestone Potenza run flat tyres). I can of course write to BMW if you require me to, but am sure they will only confirm the information that I have provided you. I would suggest most motorists do not tend to keep to the original brand tyres fitted on manufacture in any event as they are regarded as a "wear and tear" item. I am merely seeking an alternative brand without the run flat properties. I am beginning to find this a very frustrating situation and find your responses both ambiguous and non committal. To reiterate, they are not performance enhancing, they are the same dimensions but without run flat properties. I simply want to know if you will provide full cover should I swap to these type tyres. Yours Faithfully, (animal freeride) Interestingly though a BMW representative, who unlike Shitcover can actually speak English replied today with this; Dear (animalfreeride), Thank you for contacting BMW Customer Information. BMW aims to provide our customers with a premium product that provides ultimate safety with optimum performance and it is always a concern to receive feedback of this nature. We chose to include Run-flat technology on our vehicles for the following reasons: It is dangerous to stop on any road to change a tyre, especially on a motorway or at night. There is no need to have to wait for a breakdown service to arrive. Safety and security of the driver and passenger(s) is maintained. Alloy wheels are difficult to detach from steel hubs. On most cars the spare is under the contents of the boot, and uses boot space. It can be tricky to line up the wheel bolt holes with the hub screw holes and match the thread. The dirty punctured tyre needs to be removed and stored in the boot. Another puncture before the punctured tyre is mended means one is stranded. A driver can continue for 150 miles at 50mph with a punctured Run-flat tyre. All of our vehicles that use Run-flat technology have their suspension and braking components set up to accommodate Run-flat tyres. Should you decide to change to non Run-flats, it may alter the driving and handling characteristics of your vehicle. It is for this reason that this modification is not recommended by BMW as a manufacturer. However, it is possible to have standard tyres fitted. You will additionally need to purchase either a spare wheel with jack and brace set or a mobility kit which can be ordered from the Parts Department of your nearest BMW Approved Dealership. Please do not hesitate to contact me if you have any further queries. Yours sincerely, BMW Group UK Lewis Jeffreys Customer Information Advisor Ellesfield Avenue Bracknell RG12 8TA It's no surprise that BMW are defending the RFT technology. They are hardly going to admit that it is complete shte. You will note though that the BMW representative refers to the change as a "modification" and suggests the car handles differently. I think if I were to disclose this, Shitcover would get twitchy especially when the the word "mod" is mentioned. However he does mention it is possible. I am toying whether to ask him in separate correspondance whether he could just confirm in writing that it is "possible" in the hope Shitcover will finally give me a straight answer. __________________ Car Ownership History* Red Ford Sierra, Blue Ford Orion Giha, Burgundy Ford Fiesta, Black Vauxhall Corsa SRI, Blue Rover 216 SI , Silver Volvo S40 T4 Saloon, Blue Renault Clio RXE, Black Renault Clio 172 Sport, Red VW Polo, Peugeot Expert & BMW 335i MSport Coupe
	Appreciate 0 Quote

02-22-2010, 01:54 PM	#46
Tunna_uk Captain 72 Rep 797 Posts Drives: BMW 320d Le Mans Blue Join Date: Aug 2009 Location: Teesside UK iTrader: (0) Garage List E90 BMW 325i M Sport [0.00]	OMFG do I have to tell them I painted my standard OE wheels black????? This thread is crazy, what i can't understand is that you would think Motor Insurers would employ someone who actually understands vehicle technology....... Last edited by Tunna_uk; 02-22-2010 at 02:00 PM..
	Appreciate 0 Quote

02-22-2010, 02:15 PM	#48
beemerbird Major General 172 Rep 7,953 Posts Drives: Merc diesel Join Date: Oct 2007 Location: Yorkshire iTrader: (0) Garage List 2010 TTRS [9.00] 2007 Audi S5 [0.00] May 2007 Porsche 99 ... [0.00] March 2007 Porsche ... [0.00] Sep. 2007 E92 335d SE [0.00] July 2006 E90 330i ... [0.00]	They 'plugged' RFT's didn't they ha, ha..............best you don't ask if they can be repaired after a puncture. Just buy a new one and get tyre insurance eh. At least you're getting replies but jeez......keep at 'em.
	Appreciate 0 Quote

02-22-2010, 02:21 PM	#49
Animalfreeride Private 13 Rep 88 Posts Drives: BMW 335i MSport Coupe Join Date: Jan 2009 Location: England iTrader: (0)	Ok, I'm really f*ked off with all this sht. I'm seriously thinking of cancelling my policy and going elsewhere. Anyone used a company and had NO PROBLEMS when declaring non RFT's. __________________ Car Ownership History Red Ford Sierra, Blue Ford Orion Giha, Burgundy Ford Fiesta, Black Vauxhall Corsa SRI, Blue Rover 216 SI , Silver Volvo S40 T4 Saloon, Blue Renault Clio RXE, Black Renault Clio 172 Sport, Red VW Polo, Peugeot Expert & BMW 335i MSport Coupe
	Appreciate 0 Quote

02-22-2010, 02:25 PM	#50
Tunna_uk Captain 72 Rep 797 Posts Drives: BMW 320d Le Mans Blue Join Date: Aug 2009 Location: Teesside UK iTrader: (0) Garage List E90 BMW 325i M Sport [0.00]	watching this thread with interest, only 4 mm left on my Michelin Run Flat rears....was going to buy some Vreds......
	Appreciate 0 Quote

02-22-2010, 02:25 PM	#51
Jeff123 Jeff 318 Rep 1,451 Posts Drives: 330d M Sport x-drive F30 Join Date: Jan 2010 Location: Yorkshire iTrader: (0)	Hi I am considering changing to non-RFT's and when I was speaking to my insurer (Esure), the guy checked with his Boss and came back saying that there was no problem as long as the tyres and wheels were as spec. I double-checked that he knew what RFT's were and he said that his Aunt recently changed her 58 reg 320 to non-RFT's. He didn't seem to think that it was a major issue. I think that we are in danger of making the issue over-complex. The point that someone made about hitting the central barrier after a blow-out is a good one, therefore, we just need to inform the company of the change and ensure that they update their records. In my business dealings, I find that an e-mail is now accepted as contractural, so I would just try to get this type of confirmation from try insurer. Jeff
	Appreciate 0 Quote

02-22-2010, 06:30 PM	#60
zltm089 Banned 243 Rep 7,690 Posts Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON iTrader: (0) Garage List 2006 BMW 335i [10.00]	Like I said before....car insurance companies/ brokers r just a bunch of retarded call centre robots... They sent me my cover note for the TTS and they put the car down as a "saloon"!!!!!... when did Audi make 4 doors TT ? and what the hell do they mean by performance enhancing? if the tyres tyres improve grip and stability under high speed driving, then surely they could be classed as "performance enhancing"...ohhhh they mean, power enhancing maybe???....
	Appreciate 0 Quote

02-22-2010, 06:33 PM	#61
zltm089 Banned 243 Rep 7,690 Posts Drives: 335i SE Coupe Space Grey Join Date: Nov 2008 Location: LONDON iTrader: (0) Garage List 2006 BMW 335i [10.00]	Funny how they always try "pass the bucket" and send you to BMW....so common these days!!!...ohh, its another department...we can't deal with this....u've told them what tyres ur fitting....clear answer....yes ur covered....or no ur not!!!....they're always, avoiding a final answer!...
	Appreciate 0 Quote

02-23-2010, 02:01 AM	#63
xenon Major General 1397 Rep 8,083 Posts Drives: 2021 G21 330i M-Sport Join Date: Jun 2008 Location: Coventry iTrader: (0)	Whilst you can accept that the handling characteristics may change I don't think the blow-out scenario has any bearing. As I understand it, an RFT is no more or less susceptible to a blow-out than a conventional one. An RFT is designed to stay on the rim and support the car, for a limited time, with no pressure after a puncture but this is not the same as a high-speed blow-out where instant pressure loss is caused by sudden, severe damage to the tyre usually resulting in the tyre delaminating and disintergrating. I think an RFT would suffer in the same way. __________________ Ian Current: 2021 G21 330i M-Sport Previous: 2018 A6 Avant S-Line MMI+, 2014 F31 320d M-Sport, 2013 F10 520d M-Sport, 2011 F10 530d M-Sport, 2008 320i M-Sport Coupe, 2002 325i, 2001 318i valvetronic, 1998 318i, 1996 525i, 1990 Porsche 944S2
	Appreciate 0 Quote

02-23-2010, 02:49 AM	#65
Skid First Lieutenant 7 Rep 384 Posts Drives: It's a Mini Adventure Join Date: Jun 2009 Location: Midlands iTrader: (0) Garage List Dec 2010 Mini One D [0.00] 2007 E90 325d M Sport [0.00]	We all drive on radial tyres thesedays because they are less likely to delaminate during a blow-out. I too spoke to my insurers when I went the non run flat route. There response was providing the tyres are the same size, speed and load rating that there would be no issue.
	Appreciate 0 Quote

02-23-2010, 02:59 AM	#66
doughboy Major General 1545 Rep 8,970 Posts Drives: 2018 M2 Comp 6MT Join Date: Jan 2009 Location: UK iTrader: (2)	You need to deal with an insurer, or broker, that are familiar with mods and can cope with them. These low-risk mass market firms like Esure etc are just there for the 99% of drivers who just buy / use / sell cars as objects and have no interest in them. I'll be using a BMW car club linked broker this year who specialise in covering club cars and mods. Wait and see...
	Appreciate 0 Quote