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Declaring alloys

  • 19-01-2018 2:56pm
    #1
    gavshee
    Registered Users, Registered Users 2 Posts: 8 ✭


    Hi,

    I recently purchased a VW golf MK5. Ive only been driving a year so Im picking up things as i go along.

    At the moment there is a set of Monoblock F 17s that have a VW Center cap.

    Are these correct for the car and also how do i know if they are real or not.

    Also would my premium also go up by much when they are declared?

    Any info would be great.
    Tagged:


Comments

  • #2
    UnknownSpecies
    Registered Users, Registered Users 2 Posts: 3,183 ✭✭✭UnknownSpecies


    Might not be received well here, but don't bother declaring the alloys...


  • #3
    gavshee
    Registered Users, Registered Users 2 Posts: 8 ✭gavshee


    If the car was damaged or in an accident and the alloys not declared can they void my policy?


  • #4
    kirving
    Registered Users, Registered Users 2 Posts: 6,129 ✭✭✭kirving


    Yes, they can, if they didn't come on the car from factory.

    In practice, it's not going to happen unless something which you don't declare has a direct link to an accident, such as if you end up killing someone after a non-OEM alloy disintegrates as you're driving along.


  • #5
    gavshee
    Registered Users, Registered Users 2 Posts: 8 ✭gavshee


    How much roughly could they add on to the premium if declared?

    Do i just ring them up and say that they are on the car or do i need a report?


  • #6
    Ciano35
    Registered Users, Registered Users 2 Posts: 1,428 ✭✭✭Ciano35


    gavshee wrote: »
    How much roughly could they add on to the premium if declared?

    Do i just ring them up and say that they are on the car or do i need a report?

    I declared aftermarket alloys on my car that were 1 inch bigger than oem, didn’t make any different to my premium


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  • #7
    gavshee
    Registered Users, Registered Users 2 Posts: 8 ✭gavshee


    Ciano35 wrote: »
    I declared aftermarket alloys on my car that were 1 inch bigger than oem, didn’t make any different to my premium

    Did you need a report from your mechanic? Thanks for the reply btw


  • #8
    Ciano35
    Registered Users, Registered Users 2 Posts: 1,428 ✭✭✭Ciano35


    gavshee wrote: »
    Did you need a report from your mechanic? Thanks for the reply btw

    Nope they just sent out a form that stated "My name is Ciano35 and I declare that I have 15" alloys on my car." I had to sign that and return it.


  • #9
    gavshee
    Registered Users, Registered Users 2 Posts: 8 ✭gavshee


    Ciano35 wrote: »
    Nope they just sent out a form that stated "My name is Ciano35 and I declare that I have 15" alloys on my car." I had to sign that and return it.

    Can I ask who your insurer is?


  • #10
    Ciano35
    Registered Users, Registered Users 2 Posts: 1,428 ✭✭✭Ciano35


    gavshee wrote: »
    Can I ask who your insurer is?

    Axa


  • #11
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    It's all relative.

    On a cheap car an upmarket set of wheels and tyres might be worth 50%+ of the value.

    Imagine if you came back to that car one day and the wheels were removed and it was left on blocks? You'd have a real problem trying to make a theft claim.

    p.s. As always if in doubt disclose.


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