Are alloys classed as a modification?

Anything classed as non-standard on the car is classed as a modification. Alloy wheels, suspension and exhaust system changes top list of car modifications. Insurers’ definitions of modifications include tow bars, roof racks, parking sensors and tinted windows.

Does aftermarket wheels void insurance?

Modifications a standard policy will/won’t cover Vehicle modifications or customizations (the terms are often interchangeably used in the industry and basically mean the same thing) not made at the factory, as well as aftermarket parts, are typically excluded from standard policies.

Do I have to declare OEM wheels?

It depends on the insurer. Usually you have to declare anything that alters performance or appearance. have to declare it as it was a replacement that did not impact on performance. Best bet is to phone and ask otherwise you risk voiding your insurance.

How much do alloys affect insurance?

Standard alloy wheels won’t impact insurance, but if you upgrade them or even paint them a different colour, your premiums could rise. This is because better alloys may increase the likelihood of your wheels being stolen, which is a common insurance claim.

Do rims increase insurance?

How do you insure aftermarket wheels?

Some insurance policies cover aftermarket parts. Your insurance policy may or may not cover aftermarket parts. Usually, if there’s coverage, it’s only for a low amount. Most standard insurance policies either don’t cover aftermarket parts at all or they pay only a small amount for them.

Do alloy wheels increase insurance?

What is a factory option on car?

A factory order is a brand new car that has been built to your exact specification, you would have gone onto the car configurator on the brands website and built your dream car, the dealer would then order your build from the factory, this often incurs a waiting period.

Do I have to declare alloy wheels?

Therefore, if your car has been fitted with alloy wheels or wider wheels or tyres, you need to declare this to your insurance company. If your car has been fitted with uprated brakes, or the suspension has been modified, its behaviour on the road will be altered.

What happens if you don’t tell insurance about modifications?

If you don’t declare the modifications – regardless of whether the omission was intentional – your claim may be refused and your insurance will be void. If you have insurance refused or cancelled, you will find it harder and more expensive to get cover in the future.

Do you have to declare alloys to insurance?

Can I add my rims to my insurance?

To insure your custom rims, you have the option of increasing the coverage on your current policy or purchasing additional coverage solely for the rims. Shopping for a new policy that includes your rims as part of the full vehicle value is another option, and may offer you additional benefits and savings as well.