HELP!

[lew15]

right, i'm 17, done pass plus, insured with directline on a 1.1i SX MK1. Just rung them up about alloys and they said they won't insure ANY mod's cos i'm under 25. what can i do? whats the risk of driving without declaring? surely if something happens i can just get the car home, and put it back to standard? i'm only gonna be doing alloys possibly tints and a ICE set-up.

any help will be gratefully recieved!
Lewis

[SAM33R]

just go normal mate lol



i know how it is, your new driver etc and paranoid.... an ICE install and tints is pretty much standard as most policys cover stereo equipment

[lew15]

so tints would be covered? isn't that a mod? oooh, what about lowering or is that taking the piss? lol

[milesg]

are you stuck with the insurance company m8, cos quinn direct allow mods to styling

[Ste]

Yea change your policy over if your dead set on putting alloys on, although you'll loose your initial deposit.

[lew15]

thats really annoyed me! guess it will hav to be hubcaps! lol. what CAN you do without declaring?

[milesg]

u can put on factory fitted extras, so if the factory offered the option of leather seats (just an example) then u can get that pair of leather seats and fit them to your car, your insurance should be ok with thing like that, have you asked if you can fit a set of citroen alloys, e.g the vtr or vts wheels

[lew15]

no i haven't... but i need 3 stud alloys and i believe vt* alloys are 4 stud. correct me if im wrong... could that have been an optional extra? what if i were to say they came with aftermarket alloys when i bought it second hand and i didnt realise i had to tell them?

[milesg]

oh yeah mate sos, the vtr and vts wheels are only 4 stud so you wont be able to fit them, well i think your insurance company could say were not covering you now if you tell them it has aftermarket wheels, but you could give it a go mate, afraid the best advice to give ya is to change the policy if you want alloys, as i said quinn should be good with them,

[AliMak]

i was in the same boat mate, and milesgs right. I was gonna go with directline coz me mum was with them so got 10% off plus 10% online discount. but they dont allow ANY mods. im now goin with Quinn Direct mate their spot on.
they allow all mods really but arent too happy about performance mods. and basic things like alloys ect it doesnt even bump up your premium
although ive heard their customer service is shit

[JimoVTR]

i have an sx - alloys come standard!
and they are 4stud!

[milesg]

really! what years yours mate? because everyone ive seen ppl wiv a 1.0,1.1,etc.. has 3 stud

[lew15]

i've never heard of a MK1 sx with 4 stud!even so... i can't put aftermarket on and say they came as standard... i'm thinkin... put them on, don't tell insurance, if anything happens, swap em back to normal, or are there ways of telling? it will be in the garage overnight so no chance of nicked really... what does everyone think of this?

[johnny_vts]

Originally Posted by lew15

i've never heard of a MK1 sx with 4 stud!even so... i can't put aftermarket on and say they came as standard... i'm thinkin... put them on, don't tell insurance, if anything happens, swap em back to normal, or are there ways of telling? it will be in the garage overnight so no chance of nicked really... what does everyone think of this?

That's a great idea other than the fact that it's illegal; your insurance will be void for not declaring the alloys. Therefore you risk being prosecuted for a number of offences.

Also, if you write the car off, how do you expect to swap the wheels back over?

[saxonutter]

just put erm on ffs lol its just some alloys.. they wont do jack shit. lol

[saxonutter]

IF you put a Turbo or supercharge the engine than thats a big deal..

[djrem]

Originally Posted by saxonutter

just put erm on ffs lol its just some alloys.. they wont do jack shit. lol

Dont listen to him.

Bigger wheels = slower speed.