I have a little story.
Today i phoned my insurance company, CIS. I am insured with them, and i have been since i passed my test back in january 2002 (apart from the year i was banned but thats a whole different story. ) and they have always been very good. Even after my ban, their price was pretty much the cheapest, as it wasn't worth changing companys over a £20 a year difference.
Every time i change my car (i have had 12 so far!) they ask all the same questions about the new vehicle, approx value, how much i paid, is it modified etc...
I always answer no to the modified question, as they are not ever modded when i get them, i do that myself. Nothing major, usually some alloys, maybe some bodywork, exhaust mods, K&N filter etc.. which has always been fine with them as i simply call them up, tell them about the new bits and they make a note of it in my policy and adjust the cost accordingly. (usually not a lot extra at all)
However, when i called them today to inform them of my uprated brakes and 15" alloy wheels, they advised me to put my original wheels back on, because they invalidate my insurance, as any wheels that are bigger than the standard sized wheels that were originally fitted to the vehicle (in my case, 14") are classed as a 'cosmetic modification' which they will not insure for any longer, but my uprated brakes are fine.
apparantly, the rule ammendment was in the smallprint, bloody smallprint!
I did try to explain to them that later models of the rover 200 came with 15" wheels, as did some of the sportier models, but they weren't having any of it.
There are a few reasons that i cannot revert back to my standard wheels, one reason being that my original rims are now on a banger made up with racing tyres and inner tubes on them, and are also now buckled after doing three meetings.
And the main reason, that a 14 inch wheel won't fit over my bigger (and safer) brakes! :banghead: plus they looked rubbish on it anyway.
I am now on the lookout for a decent insurance company that will allow alloy wheels and exhaust systems, any ideas who to try??
Don't you just love the world of car insurance, the world of uncertianty!
Today i phoned my insurance company, CIS. I am insured with them, and i have been since i passed my test back in january 2002 (apart from the year i was banned but thats a whole different story. ) and they have always been very good. Even after my ban, their price was pretty much the cheapest, as it wasn't worth changing companys over a £20 a year difference.
Every time i change my car (i have had 12 so far!) they ask all the same questions about the new vehicle, approx value, how much i paid, is it modified etc...
I always answer no to the modified question, as they are not ever modded when i get them, i do that myself. Nothing major, usually some alloys, maybe some bodywork, exhaust mods, K&N filter etc.. which has always been fine with them as i simply call them up, tell them about the new bits and they make a note of it in my policy and adjust the cost accordingly. (usually not a lot extra at all)
However, when i called them today to inform them of my uprated brakes and 15" alloy wheels, they advised me to put my original wheels back on, because they invalidate my insurance, as any wheels that are bigger than the standard sized wheels that were originally fitted to the vehicle (in my case, 14") are classed as a 'cosmetic modification' which they will not insure for any longer, but my uprated brakes are fine.
apparantly, the rule ammendment was in the smallprint, bloody smallprint!
I did try to explain to them that later models of the rover 200 came with 15" wheels, as did some of the sportier models, but they weren't having any of it.
There are a few reasons that i cannot revert back to my standard wheels, one reason being that my original rims are now on a banger made up with racing tyres and inner tubes on them, and are also now buckled after doing three meetings.
And the main reason, that a 14 inch wheel won't fit over my bigger (and safer) brakes! :banghead: plus they looked rubbish on it anyway.
I am now on the lookout for a decent insurance company that will allow alloy wheels and exhaust systems, any ideas who to try??
Don't you just love the world of car insurance, the world of uncertianty!
