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qwerty2008
Member Since: 20 Dec 2011
Location: Glasgow
Posts: 6
  
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| Insurance premium affected by 20" RRS wheels? |
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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
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 Fri Dec 30 2011 10:21pm |
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DSL
Member Since: 11 May 2006
Location: Heading here ^^^^ :)
Posts: 24237
 
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Get a set of original wheels & flog the 20s?? 
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| Fri Dec 30 2011 10:23pm |
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crews control
Member Since: 18 Mar 2007
Location: Hampshire
Posts: 1976
 
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Get another insurance company?
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| Fri Dec 30 2011 10:24pm |
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DSL
Member Since: 11 May 2006
Location: Heading here ^^^^ :)
Posts: 24237
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Or both!! 
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| Fri Dec 30 2011 10:25pm |
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qwerty2008
Member Since: 20 Dec 2011
Location: Glasgow
Posts: 6
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I was hoping for a less obvious solution! ?
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| Fri Dec 30 2011 10:35pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 2077
 
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Don't tell them, and then get dry humped if you have an accident? A dog is truly man's best friend, Don't believe me? Well lock your wife and your dog in the boot of your car and 2 hours later open it and see who's happy to see you 
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| Fri Dec 30 2011 10:37pm |
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DSL
Member Since: 11 May 2006
Location: Heading here ^^^^ :)
Posts: 24237
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I think we've neatly summed up the three options available. 
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| Fri Dec 30 2011 10:41pm |
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al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 5074
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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.
Al TDV6 XS Auto - Lugano Teal with Almond Leather, 20" Stormers, Shiny Tailpipes, DVD/TV, BAS Electrickery - and obligatory D3 sticker
Old - TDV6 S - Tonga with Ebony, 20" Stormers, satnav & DVD
If you think you are too small to make a difference - you've never shared a bedroom with a mosquito
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| Sat Dec 31 2011 1:13pm |
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ronp
Member Since: 29 Nov 2006
Location: in my own space
Posts: 9080
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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!]  If I could think of anything intelligent, poignant or witty, I'd put it here !!!
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1972 Morphy Richards hairdryer 650w
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Exclusive Club Original "Fuji Landmark"
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| Sat Dec 31 2011 1:59pm |
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DSL
Member Since: 11 May 2006
Location: Heading here ^^^^ :)
Posts: 24237
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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".
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| Sat Dec 31 2011 2:20pm |
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ronp
Member Since: 29 Nov 2006
Location: in my own space
Posts: 9080
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Was LV with my D3, now with LR for D4. If I could think of anything intelligent, poignant or witty, I'd put it here !!!
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1972 Morphy Richards hairdryer 650w
.
Exclusive Club Original "Fuji Landmark"
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| Sat Dec 31 2011 4:06pm |
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DSL
Member Since: 11 May 2006
Location: Heading here ^^^^ :)
Posts: 24237
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Cheese
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| Sat Dec 31 2011 4:09pm |
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qwerty2008
Member Since: 20 Dec 2011
Location: Glasgow
Posts: 6
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Guys
Thanks for your replies
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| Sat Dec 31 2011 6:01pm |
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