Do I need to declare alloy wheels to insurance?

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ryedjap
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#1
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#1
Recently bought a VW Golf (Mk5), however, they have VW Golf GTI alloy wheels on them from a previous owner, I've done a lot of reading and I'm still getting mixed answers as to whether I need to declare these. If anyone could confirm that'd be great, thanks.
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IWMTom
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#2
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#2
(Original post by ryedjap)
Recently bought a VW Golf (Mk5), however, they have VW Golf GTI alloy wheels on them from a previous owner, I've done a lot of reading and I'm still getting mixed answers as to whether I need to declare these. If anyone could confirm that'd be great, thanks.
Of course, why wouldn't you?
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nevershear
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#3
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#3
Yes as they're aftermarket. If they come with the car from factory then usually no, that'd be what we call OEM.
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RoyalSheepy
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#4
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#4
Yep, that’s something you need to declare.
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Aaron702
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#5
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#5
Technically, yes. However you're seriously unlikely to get pulled up on it if you make a claim.
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ryedjap
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#6
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#6
thank you all. I was pretty sure I am but I asked because I've been told different.

What if I get third party and don't delcare? Surely it wouldn't matter then? clearly I'm clueless haha It's unfortunate I'm having to pay 20% more just because of some wheels which give no performance advantage at all.
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IWMTom
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#7
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#7
(Original post by ryedjap)
thank you all. I was pretty sure I am but I asked because I've been told different.

What if I get third party and don't delcare? Surely it wouldn't matter then? clearly I'm clueless haha It's unfortunate I'm having to pay 20% more just because of some wheels which give no performance advantage at all.
It's all about statistics.

Find some of the original wheels and put them one, then sell the others to recoup your costs. Problem solved.
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Aaron702
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#8
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#8
(Original post by ryedjap)
thank you all. I was pretty sure I am but I asked because I've been told different.

What if I get third party and don't delcare? Surely it wouldn't matter then? clearly I'm clueless haha It's unfortunate I'm having to pay 20% more just because of some wheels which give no performance advantage at all.
If it's a 20% increase in cost I wouldn't declare it. I'm not trying to advocate insurance fraud but it's an extremely minor modification if you can even call it that.
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Good bloke
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#9
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#9
(Original post by nevershear)
Yes as they're aftermarket. If they come with the car from factory then usually no, that'd be what we call OEM.
It does not depend on whether they are factory-fitted or bought from the car manufacturer, but on whether they were standard for that model of car. If all cars of that model/trim level have them then they are standard and not to be declared. If they were an optional extra, no matter the source, then they are a modification and must be declared.
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Good bloke
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#10
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#10
(Original post by Aaron702)
I'm not trying to advocate insurance fraud
That is odd, because that is what you just did.
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RoyalSheepy
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#11
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#11
(Original post by ryedjap)
thank you all. I was pretty sure I am but I asked because I've been told different.

What if I get third party and don't delcare? Surely it wouldn't matter then? clearly I'm clueless haha It's unfortunate I'm having to pay 20% more just because of some wheels which give no performance advantage at all.
What you were told was completely wrong pal.

If you don’t declare those wheels, the insurance holds the right to invalidate your policy. Meaning if they find out when you have a crash, you’ll be driving without insurance.
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MrCole&Co
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#12
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#12
If you dont declare it then your insurance is technically void
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Revolver72
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#13
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#13
(Original post by Aaron702)
If it's a 20% increase in cost I wouldn't declare it.
->
(Original post by Aaron702)
I'm not trying to advocate insurance fraud
lawl.


If you have aftermarket alloys, and do not claim it, you are invalidating your insurance.

Car insurance classifies a modification as:
"A car modification is a change made to a vehicle so that it differs from the manufacturer’s original factory specification.
The changes can be made to improve performance, aesthetics, or be purely functional."

Part of this is down to statistics; including cars with modified wheels are more likely to be stolen or have wheels stolen, hence your premium is raised to reflect that.

If (and this does happen occasionally) the police stop you, if you are found to not have the modifications declared, you could see:
6 points
Fixed Fine
Vehicle Seizure, and having to pay the costs of the towing + storage charges.

I agree 20% sucks, but it's the law. Just declare it. Or get OEM alloys?
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Aaron702
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#14
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#14
(Original post by Revolver72)
->


lawl.


If you have aftermarket alloys, and do not claim it, you are invalidating your insurance.

Car insurance classifies a modification as:
"A car modification is a change made to a vehicle so that it differs from the manufacturer’s original factory specification.
The changes can be made to improve performance, aesthetics, or be purely functional."

Part of this is down to statistics; including cars with modified wheels are more likely to be stolen or have wheels stolen, hence your premium is raised to reflect that.

If (and this does happen occasionally) the police stop you, if you are found to not have the modifications declared, you could see:
6 points
Fixed Fine
Vehicle Seizure, and having to pay the costs of the towing + storage charges.

I agree 20% sucks, but it's the law. Just declare it. Or get OEM alloys?
No police officer is going to notice that the alloys aren't stock. They aren't massive aftemarket boy racer wheels. They're simply from a different car. If you're following the law to the letter then yes, declare them, but realistically you're never going to get caught.
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Revolver72
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#15
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#15
(Original post by Aaron702)
If you're following the law to the letter then yes, declare them, but realistically you're never going to get caught.
So we agree!

It's OP prerogative, but the answer to their question 'do I have to declare it?' is unequivocally yes, legally. If they decide that the probability outweighs the risk, then that's their decision.
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Doones
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#16
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#16
(Original post by Aaron702)
No police officer is going to notice that the alloys aren't stock. They aren't massive aftemarket boy racer wheels. They're simply from a different car. If you're following the law to the letter then yes, declare them, but realistically you're never going to get caught.
It's not the police, it's your insurer that will have a problem with it.You will have voided your insurance by failing to declare them. And *then* the police will get interested because you will have been driving without insurance...
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IWMTom
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#17
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#17
(Original post by Aaron702)
No police officer is going to notice that the alloys aren't stock. They aren't massive aftemarket boy racer wheels. They're simply from a different car. If you're following the law to the letter then yes, declare them, but realistically you're never going to get caught.
If they're a car enthusiast as well as a copper, you never know.

I've been pulled for having the Golf R LED tail lights on my TDI to check whether I'd declared them. It does happen.
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MrCole&Co
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#18
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#18
(Original post by IWMTom)
If they're a car enthusiast as well as a copper, you never know.

I've been pulled for having the Golf R LED tail lights on my TDI to check whether I'd declared them. It does happen.
Whats your experience with that model, is it any good?
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IWMTom
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#19
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#19
(Original post by MrCole&Co)
Whats your experience with that model, is it any good?
It's a Mk7, had some problems.. currently in a legal dispute with Volkswagen but I can't say any more.

Wouldn't recommend touching the VAG group at the moment.
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MrCole&Co
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#20
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#20
(Original post by IWMTom)
It's a Mk7, had some problems.. currently in a legal dispute with Volkswagen but I can't say any more.

Wouldn't recommend touching the VAG group at the moment.
Oh jeez, hope it works out for you son.
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