Member Since: 20 Dec 2011
Location: Glasgow
Posts: 7
Insurance premium affected by 20" RRS wheels?
Guys
I recently bought a 2008 Dsco3 GS which has nice 20" RRS alloys fitted. I notified my insurance company (Direct Line) explaining while not original, they were original Land Rover alloys, but they still class the car as modified and insuance has gone from 350 to 550, plus compulsory excess from 300 to 600.
Does anyone have any argument or suggestion how to avoid this cost?
Cheers
30th Dec 2011 9:21 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73066
Get a set of original wheels & flog the 20s??
30th Dec 2011 9:23 pm
crews control
Member Since: 18 Mar 2007
Location: Dorset
Posts: 5011
Get another insurance company?
30th Dec 2011 9:24 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73066
Or both!!
30th Dec 2011 9:25 pm
qwerty2008
Member Since: 20 Dec 2011
Location: Glasgow
Posts: 7
I was hoping for a less obvious solution! ?
30th Dec 2011 9:35 pm
J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
Don't tell them, and then get dry humped if you have an accident?2014 D4 XS
2005 D3 SE - Gone
30th Dec 2011 9:37 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73066
I think we've neatly summed up the three options available.
30th Dec 2011 9:41 pm
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10350
I pay a little extra for having 20" Stormers on mine through Tesco insurance. It differs from insurer to insurer, so you need to shop around.
AlVolvo XC90 B5 Plus Dark
Gone - MY18 D5 HSE - Corris on 22's with Black Pack
Now gone - MY16 D4 SE Tech, Loire Blue, Almond Leather, Privacy, plus some other goodies.
Old - MY12 D4 SDV6 XS Auto - Ipanema Sand with Almond Leather - Plus other niceties, and D4.com sticker
Older - D3 TDV6 XS Auto - Lugano Teal with Almond Leather, 20" Stormers, Shiny Tailpipes, DVD/TV - and obligatory D3 sticker
Ancient - D3 TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
31st Dec 2011 12:13 pm
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
I informed my insurance company that dependant on conditions, I need to use the optimum tyre for the conditions I'm travelling in and that I therefore change over my complete wheelset [rather than just tyres].
So they know that for now I'm running with my [aftermarket - LR design] Stormer/LTZ combination and I'll be swapping between my road wheels/tyres as and when I deem necessary.
Result - No extra insurance costs, to the contrary they are totally happy and see the sense and added safety that this gives me [& them!]
I really do believe it's down to how you tell the insurance companies - without telling lies.
They are really concerned about the 'hot hatch' type changing to 'bigger rims', as to them that means 'supped up', meaning they drive faster, thereby potentially having a greater risk to accident & claim.
Hammer home that it's a four wheel drive Land Rover, not a supped up Saxo!
As another example on how you tell them - On my old D3 when I had the JE stage 2 tune, I told them that as it was a Land Rover it was to give me added torque for when I was towing [which it does, no lies there].
It also helped in the fact it was done by JE, who are recognised LR tuners for vehicles going to the extremities of this planet and its conditions.
Result - again no insurance hike there.
btw, I take date, time, who I'm taking to and note down all conversation points when I'm in discussion with them and file these away with my policy.
As Frank Carsons always says .... "it's the way you tell em"
[yes .... I am in sales for a living!] ...... always on the road less travelled 🚧
31st Dec 2011 12:59 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73066
Which Ins Co Ron?? My renewal's up in 6 weeks so getting my ducks lined up. Promise won't say "coz Ron said you could".
31st Dec 2011 1:20 pm
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
Was LV with my D3, now with LR for D4....... always on the road less travelled 🚧
31st Dec 2011 3:06 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73066
Cheese
31st Dec 2011 3:09 pm
qwerty2008
Member Since: 20 Dec 2011
Location: Glasgow
Posts: 7
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
