Hi
I had a bump in my car the other week (decided to park it on the concrete gate post at home).
Bad damage along the passenger side. Anyway, I scuffed the alloys quite badly too. I bought the car used and it had low profiles and really nice alloys on it when I bought it.
The insurance company told me to take it into a garage which does work for them to get a quote. As I was claiming for work on the alloys too, the mechanic said the alloys wern't a standard fit and were classed as a 'modification'. Long story short, I had to ring the insurance company, declare a 'modification' and pay nearly 50% of my whole premium to cover the 'modification'. If I didn't pay this extra amount, the car was not insured and no work could be done. Needless to say, I paid it. The insurance company also charged me £60 administration cost.
I had no idea that the alloys were classed as a 'modification'. Could I have people's opinion please. I suppose what I am asking you is, is the insurance company correct? If I contacted Ford, would they be able to tell me if the vehicle left the factory with the alloys?, and if so, how do I stand? How can a set of alloys increase my premium by nearly 50%?
Any replies would be appreciated.
Thanks.
Lisa.
I had a bump in my car the other week (decided to park it on the concrete gate post at home).
Bad damage along the passenger side. Anyway, I scuffed the alloys quite badly too. I bought the car used and it had low profiles and really nice alloys on it when I bought it.
The insurance company told me to take it into a garage which does work for them to get a quote. As I was claiming for work on the alloys too, the mechanic said the alloys wern't a standard fit and were classed as a 'modification'. Long story short, I had to ring the insurance company, declare a 'modification' and pay nearly 50% of my whole premium to cover the 'modification'. If I didn't pay this extra amount, the car was not insured and no work could be done. Needless to say, I paid it. The insurance company also charged me £60 administration cost.
I had no idea that the alloys were classed as a 'modification'. Could I have people's opinion please. I suppose what I am asking you is, is the insurance company correct? If I contacted Ford, would they be able to tell me if the vehicle left the factory with the alloys?, and if so, how do I stand? How can a set of alloys increase my premium by nearly 50%?
Any replies would be appreciated.
Thanks.
Lisa.