Thin Client

Do you need to tell the insurance co about fitting uprated disks and pads?

If so do you also need to tell them about fitting uprated tyres?

Presumably, all these goods are consumables so where do they draw line?

sasim

Don't know about tyres, but it's best to inform them about disk and pads if they are not OEM parts.

If in doubt tell them everything and let them decide what's OK. After all they can, and will, use any excuse they can not to payout on a claim

Stuart

schuey

Told insurance company about uprated discs, pads, braided hoses, brake support bracket and suspension ( eibachs ) no increase in premium.

Don't bother with tyres.

Jon

polarbearit

Agreed I told them about uprated disks and pads, they just laughed and were most surprized when I asked for written confirmation!!!

As for tyres... So long as they are legal I think the insurers are OK.

Jon

Thin Client

Thanks chaps

Don't you think it's weird given what some people on this board say about the relative performance of various tyres.

Why is it more risky to the insurers if a car has it's power uprated than if it has low performance tyres fitted?

simon_prickett

Must admit, I've often wondered why they don't want to know about tyres when they're desperate to know about things like clear side repeaters.

For example, I have two sets of wheels, so I can run either Pirelli P6000s or Michelin Pilots, the insurance company want to know which set of wheels I'm using (both are 16 inch silver, one set's MY98 style the other MY00 style) but they don't give a damn about the tyres.

Strange world innit?

Simon.

DT

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:<HR>Originally posted by simon_prickett:
<B>......they're desperate to know about things like clear side repeaters.
Simon.[/quote]

really!!! Didn't know that, surely not? Haven't advised on those, better add it to the performance mods I'm confessing to.

Must add a few BHP these clear indicator thingy's then1

simon_prickett

Sad isn't it! I have a load step protector on my wagon's rear bumper, basically a big plastic black pad that sticks on there and says 'Impreza'. It's so that the dog doesn't slip when getting in and out, and so that he doesn't scratch the colour coding. Works very well, but some insurers wanted to class it as a body kit!!!!

Simon.

TRIGGER

The main point of declaring mods is that it costs the insurance company more to replace them if damaged - they dont need to know about discs and pads as provided they are just a standard size/design (but higher quality/grooved etc) then it makes no difference - if you have spent £2000 on APs then of course that needs to be mentioned.

ZAZ

I mentioned to my insurance company that I was going to upgrade from 2 pots to Subaru 4 pots and they said as long as they knew about it fine and that there was no increase in premium.

I changed my spoiler from a low level to a high level standard spoiler and from 95WRX 16" wheels to 00UK 16" wheels and there was no increase. As long as the wheels were the same size as my old ones they didn't care! The only thing I've paid more for was putting on a ScoobySport BB.

I suppose it varies from company to company but I think I'm always going to declare everything. If they can find an excuse not to payout after an accident they will try anything and I don't want to give them a reason!

[This message has been edited by ZAZ (edited 24 August 2001).]