Sonny
RMS Photographer
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Insurance cancelled due to painted wheels ! - Page 1 - General Gassing - PistonHeads
Just starting to read through this..seems daft!
My lads girlfriend has just bought her first car with our help and then insured it. The car is a 2007 Fiesta and is totally standard apart from what was a pair of standard wheels that had been badly painted black. I fully intended to refurbish the wheels back to silver for her but due to the snow hadn't had a chance yet.
Today the chap came to fit her black box and within 30 seconds went into a rant about how the car was modified and he would have to notify her insurance. He contracts to various ins co's and doesn't work for the company she is insured with. Wife gets on to the insurance company to explain the wheels are the standard wheels as it left the factory but have been poorly painted at some point, we told them we would get the wheels refurbished back to factory silver within the week...No, you cant do that as its a modification ! Apparently refurbished wheels are a modification and not covered by her policy, even when professionally refurbished back to factory colour/finish.
We then spoke to a manager who said we had 7 days to fit another set of standard wheels and they would be happy with that. An hour later we get an email saying basically we either cancelled the policy ourselves with immediate effect or they would cancel it themselves and we would be on the system for having insurance cancelled. Another phone call ensues and absolutely no movement or interest in letting us sort the issue for her. She is only 17 and answered the questions truthfully to the best of her knowledge when taking out the policy, this just seems stupidly heavy handed for a silly thing like some rattle paint on the wheels.
I cant possibly think how some £10 rattle can is making her that much more of a risk they need to cancel the policy with immediate effect and not even let her rectify the issue !
Naturally they weren't interested in doing anything with all the admin and cancellation fee's either and then the cover for time on risk so she is well and truly shafted.
So, if you have refurbished wheels best you check with your insurer if they class them as a modification, because these clowns do and wont cover a car if they have been.
Just starting to read through this..seems daft!
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