Cars

If you change the colour of your origional wheels does that change your insurance

I have moved this to Cars & Motoring, you are more likely to get an answer here.

If you change the colour of your origional wheels does that change your insurance

If you change the colour of your origional wheels does that change your insurance

Yes, it likely will; it's a modification.

How come though as it’s stock wheels

How come though as it’s stock wheels

So? You're changing the look of the vehicle - that is a modification, just the same as putting stickers on your car.

Two key words you used that correlate to why that is.

One of them was "change" and the other was "original."

So when they get dirty, I should declare a modification because they changed colour from silver to dark grey?

The actual reason must rather be that the insurance companies are insane.
Or they are clever. They say you must report so insignificant changes so they earn more money because of things they'd probably never noticed on their own.

"hey you've changed a glorified foot-rest which doesn't really affect your car in any way and costs £10 on ebay for you to get a new one, but you didn't tell us so your insurance is void, good luck"

Don't be silly; we're talking about paint, designed to be a permanent change to colour. It is quite obviously a modification.

So we're talking about a comprehensive cover?
I thought the OP asks if such a tiny modification will be considered as a risk of technical malfunction, or modified cars' drivers average tendency to take more risk which would affect liability insurance.



The OP's question is imprecise, I presumed it was about TPO only, especially since he remarked on 'stock wheel'- it sounded like he wanted to say the modification cannot affect vehicle's performance.

Comprehensive or TP, it doesn't matter - it's still factored in to assess premiums; modifications are usually inherent of a riskier driver, especially certain cosmetic changes that are related to being a boy racer.

Insurance premiums are calculated from big data by computers - every data point possible contributes.

One important question: do they actually pay the damages they are supposed to?

One important question: do they actually pay the damages they are supposed to?

In my country of origin, you may have TPO only, and if you declare any modification it affects your insurance being more expensive, but it doesn't matter if the company is western or local, and are your damages paid by TPO of another driver or from your premium, whatever the case, they will not pay the actual costs of repair or replacement with another vehicle, unless you sue them and win.

In the U.K., if the person insured with third party cover caused the accident, then their own insurance pays out for the damages to the other vehicle only. The liable driver with third party cover must fund the costs of repair to their own vehicle.

Comprehensive cover means the insurance underwriter of the liable party pays out for the damages to both vehicles.

That's how it works anywhere, in Europe at least. I was asking specifically if they cover real damages or underpay. From your words, I conclude that insurance companies in UK act fairly.

Depends on who the broker is and how aggressive they are with the loss adjusting. It's a competitive market with a huge amount of advertising and companies climbing over themselves for business - especially of you have a good record and are not in a high risk category and with a substantial no-claim discount to protect. I have my suspicions that high risk younger drivers are hammered on premiums to allow offering inducements for the middle aged careful drivers who don't try and play the system and never claim.

Nope, us younger drives are hammered on premiums because we're stupid as hell. Middle aged drivers are complacent, but they can get out of their stupidity better than most young drivers can.