Car insurance modification?

Answerer 1

If you spray them and then you have some sort of accident and one or more has to be replaced they will supply original colour ones only and not match them to your spraying.
Changing them from a non-standard wheel even if still Audi could also create a similar problem in that they would only supply the standard fit wheel for your car if one or more had to be changed

Answerer 2

Ask your insurer.
They will tell you whether or not they will consider it to be a modification, and how they would treat it.
If they’re the same size wheel, they’re unlikely to make any additional charge. If the new wheels are a larger diameter there may be a small increase in premium, or they may just say that in the case of a claim they’ll only pay to put the car back to factory standard condition (i.e. the original wheels).

Asking them in advance, then making your own mind up with the full facts available is much better than relying on people like us to second-guess your insurer.
They won’t change your premium just because you’ve asked the question, they’ll only change it if you tell them you’ve actually made the modifications.
Its just like calling them for a quote on a new car before you buy one.

Answerer 3

The colour of the alloy wheels won’t make any difference. Only if you change the size or the value of the wheels do you need to tell them.

Source(s):
www.tyresave.co.uk/index.html

Answerer 4

With all things insurance: If in doubt; ASK THEM. They are the only people who can tell you for certain. One quick phone call is all it takes

Answerer 5

Wow, these are answers aren’t holding much common sense…
Simple answer is no. You should be declaring performance related mods to your insurance, such as anything to boost kW and overall horsepower, such as if you’re upgrading your induction setup or spark plugs etc; stability, such as a roll cage or anti-roll bars if you’re into that sort of stuff; body resprays, such as if you’re changing the overall colour of the car panels and exterior; and major weight changing mods, such as if you’re going to rip out your interior and get some Recaro seats on the go. Anything that doesn’t make a major difference doesn’t really have to be reported (it should be by contract, but all you’re doing there is increasing your premium for no good reason, so generally it’s better just not to bother).

Accidents don’t happen because you’ve painted your alloys, so no worries; I wouldn’t bother if I were you. And the things that void policies in the event of an accident are in the league of unannounced turbochargers, intercoolers, CAI, exhaust upgrades and catbacks, cylinder head mods, smoked lights, suspension etc. Alloy wheel changes don’t make a substantial difference unless you own a haulage lorry and decide to swap out your OEM steel wheels for 22″ Enkeis or something ridiculous.

Source(s):
Car dick and proud!

Answerer 6

Your current contract with the insurer is to insure an unmodified vehicle. If you are modifying it mechanically or cosmetically, you need to declare it as it is a change to the agreement. The insurer may not take any action, but you will have then complied with the terms and conditions of your policy by making them aware.

I know cosmetic modifications do not affect the performance of the vehicle but insurers are still asking for this information as it can make the vehicle more appealing to thieves.

You may want to speak to the insurer BEFORE you carry out the work as a lot of insurers no longer cover modified vehicles and you don’t want to do the work, then be told by the insurer that they are cancelling your policy because they will no longer cover your car.

Answerer 7

Yes.
If in doubt tell them, if you crash they’ll look for any excuse not to pay out and different wheels are a favourite for them.