I did the same last year. I upgraded from 15" steel wheels to standard MINI 15" alloys. I didn't even consider insurance, but made the effort to get things right when my insurance was due for renewal.
Looking more closely at my previous Direct Line policy, they clearly state on the renewal notice that you must declare any modification -- especially wheels and performance items.
In the end, I went with SwiftCover who cover you for alloys valued up to £1000. Funnily enough, they only state this in the frequently-asked questions. The actual policy wording conflicts, but I've taken printouts to make sure I'm not shafted later in case of an accident.
There's also the question of whether an insurance company would consider a MINI One Salt with optional alloys fitted in the factory would be classed as a modified car on the basis that the alloys are not part of the standard spec. Totally insane, but you could end up with a fight on your hands over something like this if you were to be involved in an accident.
Oli |