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Insurance Surprise / Warning

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Gordo:
If you've made changes, any changes, even minor ones, to your Land Rover (or 4x4 of choice) it might be worth checking with your insurance company.

I was in touch with mine recently and mentioned that I've put steel wheels on my Freelander instead of the OE alloys. Apparently I should have disclosed them, and paid an additional premium of 25%!  :-.

These are Land Rover steel wheels as fitted to some variants of the Freelander - but they're still considered to be a modification.

Apparently if I make changes like that I may use the Freelander off road... But of course - why else would you drive one?  :roll:

If in doubt, declare it.

ne jones:
Sounds like you have an understanding insures........NOT!

But you are right, you should disclose any modifications just to be on the safe side.

crazymac:
I can "sort" of see the modification arguement, but if you have steel wheels on as standard you declare that you have fitted Alloys because they are more expensive and more attractive to scroats!!

So to go the other way as you have done means that you have put CHEAPER wheels on that are LESS attractive to scroats!!

I'd tell them to sod off and that I was changing my insurer!! see what they say to that! 25% EXTRA for cheaper wheels!

waveydavey:
But is it a modification or did you put four spares on that you happened to have a round as you had four punctures or iffy tyres?

Yes things should be declared but I think if they are proper wheels they would struggle to wiggle out of that one.

as stated though I would be looking elsewhere at 25% for steel wheels!

karlo:
If there a factory option there shouldn't be a problem well that's what my insurance said?

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