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cliffbase
Monza


Joined: 03 Apr 2017
Posts: 162



PostPosted: Tue Dec 05, 2017 6:16 pm    Post subject: Winter tyre/insurance/old gittery Reply with quote

I am about to fit some winter tyres to my 997, i thought id ask my insurers (Admiral) if i needed to let them know.

As its impossible to actually speak to a human, i had an on-line "chat"

I was informed that yes i do need to let them know and it would cost me £19.50 to do so.

I replied that by arguably increasing the safety/traction on my car i was protecting the asset that they insure. - Its an administration fee of £19.50.

OK says i, ill leave the summer tyres on & slither around, i am after all very well insured by you guys.

They reply, we have made a note that no charge will be made for the administration of adding winter tyres to your policy.


Thanks, good but why did i have to moan to get it free?

So i was feeling ok, and then this happened and left me feeling annoyed:

Is there anything else i can help you with Smile

Im not their 12 year old daughter, i dont want smiley faces from my insurers.

Am i officially an old git?
 
  
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alex yates
Brands Hatch
Brands Hatch


Joined: 06 Mar 2014
Posts: 14478
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Tue Dec 05, 2017 7:01 pm    Post subject: Re: Winter tyre/insurance/old gittery Reply with quote

cliffbase wrote:
I am about to fit some winter tyres to my 997

Am i officially an old git?


err....... Question ........yes Smile

Grin
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wasz
Magny-Cours


Joined: 28 Dec 2012
Posts: 2639


1999 Porsche 996 Carrera 2

PostPosted: Tue Dec 05, 2017 7:12 pm    Post subject: Reply with quote

ask them about N rated tyres too. That will confuse 'em
 
  
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FZP
Magny-Cours


Joined: 18 Jan 2015
Posts: 2708
Location: Cheshire


PostPosted: Tue Dec 05, 2017 8:00 pm    Post subject: Reply with quote

I got stung £25 when the previous owner wanted his private plate transfered off the 911 to his new car. I nearly got commited to an asylum arguing that one.
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DRZ911
Barcelona


Joined: 13 Mar 2013
Posts: 1400
Location: Belfast


PostPosted: Tue Dec 05, 2017 8:13 pm    Post subject: Re: Winter tyre/insurance/old gittery Reply with quote

cliffbase wrote:
Am i officially an old git?

Old Possibly. Laughing
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Zingari
Donnington
Donnington


Joined: 25 Oct 2009
Posts: 12596
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Wed Dec 06, 2017 1:16 pm    Post subject: Reply with quote

An opportunity to get some extra dough out of policy holders in 'admin fees' is exploited by most companies now nooo
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alex yates
Brands Hatch
Brands Hatch


Joined: 06 Mar 2014
Posts: 14478
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 06, 2017 1:19 pm    Post subject: Reply with quote

Best off not telling them anything that's not documented in your policy, eg: "you MUST inform us if you fit winter tyres".
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taffybloke
Silverstone


Joined: 12 Dec 2016
Posts: 103
Location: Black Mountain. Brecon Beacons


PostPosted: Thu Dec 07, 2017 7:11 pm    Post subject: Reply with quote

alex yates wrote:
Best off not telling them anything that's not documented in your policy, eg: "you MUST inform us if you fit winter tyres".


Alex, This is usually covered by a comment like, You must inform us of ANY modification to the vehicle. They will use any excuse to turn down a claim if not informed


Mike
 
  
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alex yates
Brands Hatch
Brands Hatch


Joined: 06 Mar 2014
Posts: 14478
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Thu Dec 07, 2017 7:15 pm    Post subject: Reply with quote

So define 'winter tyres'? All insurance stipulate is correct size and tyre pressure. Is waxing it a mod, or putting lower octane fuel in.....or fitting a LTT?
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MaxA
Barcelona


Joined: 11 Oct 2015
Posts: 1304
Location: Helsinki


PostPosted: Fri Dec 08, 2017 8:20 am    Post subject: Reply with quote

I wouldn't regard winter tyres as a modification. I doubt too many people would regard Cup2s or some other semi-slick as a modification worthy of informing their insurer either. It's all about running a tyre appropriate to the circumstances Dont know
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mikeluke
Barcelona


Joined: 03 Jun 2014
Posts: 1486
Location: Hampshire


PostPosted: Fri Dec 08, 2017 10:54 am    Post subject: Reply with quote

I think that it would be very difficult for them to argue that winter tyres are a 'mod' - you've just changed the tyres on your car - end of. They happen to be a different compound/tread pattern
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cliffbase
Monza


Joined: 03 Apr 2017
Posts: 162



PostPosted: Fri Dec 08, 2017 3:18 pm    Post subject: Reply with quote

Sorry, should clarify, the winter tyres are on a different set of wheels (same size & still oem).
 
  
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Jay.
Montreal


Joined: 20 Oct 2015
Posts: 511
Location: Brize Norton


PostPosted: Sat Dec 09, 2017 2:57 pm    Post subject: Reply with quote

You have to pay an admin fee on every change you make.

You're changing your policy by adding Winter Tyres (to a new set of wheels) so I can see why they'd still charge you an admin fee.

My admin fee is £45 with my insurance company.. Which I had to pay when I changed my number plate, even though it doesn't effect safety etc
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alex yates
Brands Hatch
Brands Hatch


Joined: 06 Mar 2014
Posts: 14478
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Sat Dec 09, 2017 4:34 pm    Post subject: Reply with quote

It does affect safety - if you hadn't notified them of the change, your policy is void. Your registration is the only thing on your policy that links it to the car.
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