Insurance pay

[vs v6]

hey guys
i heard if you have non standard wheels on your car, insurance dont have to pay.
on my vs it has 18 inch on it. i got told if i had an accident insurance wouldnt have to pay off
is that true?

[stick3]

call your insurance company and arsk them ,....if u are at fault they may say that your car has been modified/illegal and not cover you

[vs v6]

call your insurance company and arsk them ,....if u are at fault they may say that your car has been modified/illegal and not cover you

nah wasnt my fault
and i ticked the box non standard wheels
so i think im alright

[FATMOE]

Then if you chose the option to have non-standard wheels, what are you worried about?? Lol

[vs v6]

Then if you chose the option to have non-standard wheels, what are you worried about?? Lol

im just double checking thats all man

[Jezza]

some insurance companies only cover wheels that are with in 2 inches larger standard wheels so if it came factory with 15" rims then only covered for 17" rims but the insurance company should have asked about it if you ticked the non standard wheels option

[aaronevolution]

some insurance companies only cover wheels that are with in 2 inches larger standard wheels so if it came factory with 15" rims then only covered for 17" rims but the insurance company should have asked about it if you ticked the non standard wheels option

There is no 2" law

[JMP]

Anything you do to your car that changes it from standard you need to tell the insurance company or you risk the chance of them not paying out. You don't have to have your mods insured but you should let them know of anything you do.

[Huntington]

Wouldnt you be better off double checking with the insurance company, not with a forum, every insurance company is different

[gopher]

safest option is to ring them and tell them.
if they're listed on your policy then you would be covered

[minux]

There is no 2" law

Where did the poster mention any law? Do people actually read before they type anymore? Some insurance companies still will not insure a vehicle with non standard wheels over 2" larger than standard, it is just their terms of service, not a law.


OP, smartest option would be to call your insurer...how can anyone answer here when 1. we do not know who your insurer is and 2 have no record of their PDS.

[aaronevolution]

Where did the poster mention any law? Do people actually read before they type anymore? Some insurance companies still will not insure a vehicle with non standard wheels over 2" larger than standard, it is just their terms of service, not a law.

The OP wants to know if his wheels are legal for insurance purposes. If his rolling diameter is any more than +15mm from standard, then no, they are not legal. Telling him they can be +2" is false.

[Huntington]

The OP wants to know if his wheels are legal for insurance purposes. If his rolling diameter is any more than +15mm from standard, then no, they are not legal. Telling him they can be +2" is false.

No minux is correct above, it is the individual insurance policy that dicates if they are covered by insurance, regardless if they are "legal" or not. my car has a couple of modifications that are not technically legal. However my insurance company still covers those because that is the policy i have with them.

just call your insurer and ask man, save the hassle down the track if it does become an issue

[Jezza]

The OP wants to know if his wheels are legal for insurance purposes. If his rolling diameter is any more than +15mm from standard, then no, they are not legal. Telling him they can be +2" is false.

when i got my car insured i told them i have 18" wheels and on there system it showed it came factory with 15" alloy wheels and said that it because it was more then 2" larger they wouldn't insure the car until i explained that other models came out with 18" wheels and they checked and then said it was ok and i would be covered

[Huntington]

and it was your insurers policies dictating them telling you that, nothing to do with a law, and no reason to believe that all insurers are going to have that same policy. some allow mods, some dont, some accept some mods, and not others. just like some dont allow young people or high risk people, yet others will take them. policy not law.

[the_trademarc]

As long as you've informed them of any modification, and you have proof of the fact that you have informed them of this (print out of quote etc.) you're fine. If you haven't, there may decline your claim on this basis.

Nothing to do with law, wheel sizes and the like. That's a Roadworthy issue not an Insurance issue.

[vs v6]

thanks for the replys guys
yeah im goign to ring them tomarrow, and just double check they will pay off
cause il be in big sh** if they dont, and something does happen to my car

[strgas]

when i got my car insured i told them i have 18" wheels and on there system it showed it came factory with 15" alloy wheels and said that it because it was more then 2" larger they wouldn't insure the car until i explained that other models came out with 18" wheels and they checked and then said it was ok and i would be covered

Did you get that in writing and signed in blood ?

[vs v6]

lol............

[Jesterarts]

As long as you've informed them of any modification, and you have proof of the fact that you have informed them of this (print out of quote etc.) you're fine. If you haven't, there may decline your claim on this basis.

Nothing to do with law, wheel sizes and the like. That's a Roadworthy issue not an Insurance issue.

lol @ this.

You will find that ALL insurance companies have a clause saying the insurance if void if the vehicle is no roadworthy in their T+C's.

On top of that, they have their own restrictions and rules. I know that RWC only car that the car is roadworthy, they don't even include modification options on their quotes. Other companies say you can only have so many mds and other insurers will not insure anything modified.

Best bet is for the OP to ring his insurance company and ask what THEIR particular T+C's are.

Having said this, people should are questions like this BEFORE being involved in an accident but it seems the OP has already been in an accident and is only now asking questions.

Read the T+C's people, don't just agree or sign based on assumptions;. Otherwise you could end up Apples latest gadget as Kyle did.

[Trayner]

Read the T+C's people, don't just agree or sign based on assumptions;. Otherwise you could end up Apples latest gadget as Kyle did.

[acex1138]

you could ask your insurance company, or you can have an asian guy crap down your throat.

Your choice really

[PaRaDoX]

call your insurance company and arsk them ,....if u are at fault they may say that your car has been modified/illegal and not cover you

I'll be sure to arsk them, but perhaps you should arsk spell check how to spell arsk first.


All my cars are with shannons and every modification on my cars is insured and listed. Insurance companies do NOT have to pay out if you stick bigger, more expensive wheels on your car and do not tell them.
According to my policy im even covered for $20,000 on the race track.