MINI2 - MINI Forum - View Single Post - Reasons for Voided, Void, Rejected or Cancelled Insurance Claims.

Randall Raines · Feb 27th, 2008, 09:34 AM

Quote: Originally Posted by JP1611 (original)

I have a new cooper d with 15 inch alloys purchased at the end of January. I have just bought some used genuine Mini 16 inch alloys and i telephoned my insurance company to find out how this would effect my policy, they want to charge an extra £15 per month and increase my excess from £200 to £450.

They claim that because I did not purchase the wheels from new with the car, it's a modification. I will not fit the wheels as I do not want to invalidate my insurance.

Does anyone know of any insurance companies that will cover the wheels in there normal policy or at least do not charge as much for a modification?

The only advice I can give there is, wait until your insurance is up for renewal and then phone around different companies for quotes and state the new wheels (

if you've only just took the policy out, some companies aren't as fussy as others

), changing mid policy will also incur costs.

Other readers, it's worth a quick call to your insurance company before you purchase a mod to check on the extra cost, what you thought was a good deal on a set of wheels etc... etc... could not be such a good deal when the insurance add their whack ££££££ on top, ultimately leaving you under or not insured (if you fit the mod), or left with something you can't fit because it will invalidate your insurance or cost you loads to upgrade your insurance

.

Feb 27th, 2008, 09:34 AM	#47
Randall Raines MINI & other ½ both whine Join Date: Nov 2007 Location: Messing with a MINI Local Time: 01:07 AM Posts: 521 Offline	Quote: Originally Posted by JP1611 (original) I have a new cooper d with 15 inch alloys purchased at the end of January. I have just bought some used genuine Mini 16 inch alloys and i telephoned my insurance company to find out how this would effect my policy, they want to charge an extra £15 per month and increase my excess from £200 to £450. They claim that because I did not purchase the wheels from new with the car, it's a modification. I will not fit the wheels as I do not want to invalidate my insurance. Does anyone know of any insurance companies that will cover the wheels in there normal policy or at least do not charge as much for a modification? The only advice I can give there is, wait until your insurance is up for renewal and then phone around different companies for quotes and state the new wheels ( if you've only just took the policy out, some companies aren't as fussy as others ), changing mid policy will also incur costs. Other readers, it's worth a quick call to your insurance company before you purchase a mod to check on the extra cost, what you thought was a good deal on a set of wheels etc... etc... could not be such a good deal when the insurance add their whack ££££££ on top, ultimately leaving you under or not insured (if you fit the mod), or left with something you can't fit because it will invalidate your insurance or cost you loads to upgrade your insurance . Destined to live life £5 behind. Disclaimer