I recently had an accident(£6700 body shop estimate). The thing that worries me is the car has different wheels compared to standard(17"speedline corsas identical to RB5 wheels apart from colour) I did not know they were not standard so did not declare them to insurance compay. I am comcearned that the insurance company will not pay out due to this oversight. Has any one had any dealings with this sort of thing.

 

I suppose it depends on how **** the insurance company want to be.

But at the end of the day, the car is different to standard cars, so they would be within their right to cancel the policy.

 

Can't you get or borrow a set of standard wheel to put on it quickly..... ie, before the assesor see's it..??

 

to late mate

 

I had a corsa SRI declaired as standard in 1999 with alloys, exhaust and filter. Had an accident it went to the underwriters and got sweet FA.

 

I think they'd have to prove the alloys were part of the cause of the accident before refusing any payout at all, although with alloys that couldn't be too hard if you lost control of the car in any way?

Of course, I could be entirely wrong

 

Nowt to do with whether it caused the accident or not ..... it's a risk thing.


The Insurers may not have insured the car if it was not totally standard, or may have asked for a higher fee .... you insured a car, they took it on trust, they placed themselves at risk, the car was not as described - they could walk away from any 1st party damage (but not 3rd party damage).

You could get lucky, it depends how different the wheels are and if the assessor noticed or turns a blind eye ..... but £6700 is a LOT of money to escape paying!

Pete

 

the wheels are identical to RB5 wheels apart from the colour.

 

Wait to see what they say, plead innocent in not knowing that the wheels are not standard fitment.

You know, but why should you!. I,ve seen many new Imprezas at dealerships with bigger wheels on but they have no supporting literature in the sale add. How would your average punter know what's standard and what's not!. The average man in the street is not going to look under the bonnet/car to check every component is totally standard and neither should he/she.

Its only the honest people (like myself) only to find out someone else didn't but still got a payout.

I remember an article on here about the old XR2i's which came as standard with steel wheels. Many insurance companys tried to claim they had been modified with alloys (ford fitted them to most to help sales) and didn't want to pay out, but in the end had to because 'average joe public' were unaware of what was standard as this is how the car was purchased.

I'm not saying you can fit 19" rims to an Impreza but 17" ones came as standard on certain Classic Imprezas with the same suspension as yours so this will not effect the performance in any way - as they are the same as the standard RB5 speedline ones anyway how are you to know they havn't been fitted from new by Subaru! plead innocent!