Vts wheels on a Vtr insurance

1. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

   #1 10th November 2014, 13:16

   Wondering if anyone can shed some light on the problem I'm currently facing.
   
   I had a bump recently and the third party is claiming. I have vehicle assessors coming to inspect my vehicle next week. The car currently has the vts wheels on it, I'm wondering if this will be classed as a modification with the car being a vtr. I have a set of vtr wheels which I could put on the car however I don't want the photographs the inspector will take to conflict with the photos the third party took at the scene.
   
   Any info will be appreciated!
   
   
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2. Jizanthapus Saxperience Forum Bum Joined: Mar 2012 Posts: 3593

   #2 10th November 2014, 13:24

   Quote:

   Originally Posted by Chrispug11 Wondering if anyone can shed some light on the problem I'm currently facing. I had a bump recently and the third party is claiming. I have vehicle assessors coming to inspect my vehicle next week. The car currently has the vts wheels on it, I'm wondering if this will be classed as a modification with the car being a vtr. I have a set of vtr wheels which I could put on the car however I don't want the photographs the inspector will take to conflict with the photos the third party took at the scene. Any info will be appreciated! Sent from my iPhone using Tapatalk

   If it didn't leave the factory with them on, then it's a modification. So yes.
3. user_20080 Saxperience Hardcore! Joined: Dec 2007 smurfland. Posts: 17346 Ex saxo owner.

   #3 10th November 2014, 14:37

   As above yes it is a mod.
4. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

   #4 10th November 2014, 15:08

   Okay, I figured as much. I'd better spray the vtr wheels and try blag it then!
   
   
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5. Dany4494 Established Member Joined: May 2012 West Yorkshire Posts: 1806 Civic EP2

   #5 10th November 2014, 15:18

   Just bang vts wheels on it will be sound
6. Scottp Administrator Joined: Dec 2002 Glasgow United Kingdom (Scotland) Posts: 26097 Chelski Traktor

   #6 10th November 2014, 15:33

   Leave it as is, if the mistake has been made then trying to deliberately cover it up is fraud and potentially far more serious
7. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

   #7 10th November 2014, 15:50

   Cheers for the advise lads this is the first accident I've had in the 4 years I've been driving so not sure what to expect!
   
   
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8. user_20080 Saxperience Hardcore! Joined: Dec 2007 smurfland. Posts: 17346 Ex saxo owner.

   #8 10th November 2014, 16:40

   Quote:

   Originally Posted by Scott Leave it as is, if the mistake has been made then trying to deliberately cover it up is fraud and potentially far more serious

   This and possibly lead to the policy being invalidated.
9. Cam Saxperience Post Whore Joined: Nov 2010 Kent Posts: 8439 Gen 7 Celica 190.

   #9 10th November 2014, 17:07

   I very very much doubt they will notice, they are not aftermarket they are citreon oem.
10. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

    #10 10th November 2014, 17:10

    Thanks again all, I'll just leave the vts wheels on and hope for the best. I was tempted to use the vtr's but Scott is quite right. Just have to bite the bullet now and hope they don't invalidate my insurance for having different wheels!
    
    
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11. user_20080 Saxperience Hardcore! Joined: Dec 2007 smurfland. Posts: 17346 Ex saxo owner.

    #11 10th November 2014, 17:34

    Quote:

    Originally Posted by Cam I very very much doubt they will notice, they are not aftermarket they are citreon oem.

    True but some of these assessors are complete arse wipes.
12. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

    #12 10th November 2014, 17:40

    Have any of you had experience with causing an accident with undeclared modifications? If so what were the outcomes?
    
    
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13. Dany4494 Established Member Joined: May 2012 West Yorkshire Posts: 1806 Civic EP2

    #13 10th November 2014, 17:42

    My mate got ran in to by a bus and his car was slammed on ronals, we whipped suspension off and swapped wheels over, also had full facelift interior and full gti disk setup we didn't have time to swap he got paid out.
14. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

    #14 10th November 2014, 17:44

    That's useful to know cheers!
    
    
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15. oxass Infrequent Poster Joined: Sep 2014 Posts: 215

    #15 10th November 2014, 18:02

    A car caught fire on the log book it was a 1.3.
    When the insurance company inspected it it had a 1.6 engine in it.
    The insurance still paid out as the owner had no idea that the engine had been swapped as this was done before he brought the car.
16. Jizanthapus Saxperience Forum Bum Joined: Mar 2012 Posts: 3593

    #16 10th November 2014, 18:24

    Quote:

    Originally Posted by oxass A car caught fire on the log book it was a 1.3. When the insurance company inspected it it had a 1.6 engine in it. The insurance still paid out as the owner had no idea that the engine had been swapped as this was done before he brought the car.

    What about when he bought it?

    1 user thanked this post: user_56776
17. Mickswan Saxperience Forum Bum Joined: Apr 2013 Jarrow Posts: 4022 2003 Icelandic Grey 16v VTR 1991 Daihatsu GTti

    #17 10th November 2014, 18:41

    Mine had S wheels, nothing was said. But saying that it's like an MOT depend who's checking it.
18. Chrispug11 Newbie Joined: May 2014 Swadlincote Posts: 23 Citroen Saxo VTR 2003

    #18 10th November 2014, 18:47

    Okay man thanks.
    
    
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19. Ali123 Saxperience Forum Bum Joined: May 2011 huddersfield Posts: 2635 ph3'd c2 gt

    #19 10th November 2014, 20:23

    Quote:

    Originally Posted by oxass A car caught fire on the log book it was a 1.3. When the insurance company inspected it it had a 1.6 engine in it. The insurance still paid out as the owner had no idea that the engine had been swapped as this was done before he brought the car.

    
    cant pass with negligence anymore, its the owners responsibility to know
20. griff_106 Established Member Joined: Nov 2011 Kent Posts: 1305 Daily: 2015 Juke 1.5dci Toy: 2002 106 Quiksilver

    #20 10th November 2014, 20:56

    Quote:

    Originally Posted by Jizanthapus If it didn't leave the factory with them on, then it's a modification. So yes.

    This. It's why you should just declare any mods - just not worth the risk. If you crash, you may get some numpty that doesn't know his arse for his elbow looking over the car and you'll be fine, or you could get someone taking photographs of the crash showing X, Y and Z modification in the cold light of day.
    
    Complete luck of the draw IMO.
21. user_20080 Saxperience Hardcore! Joined: Dec 2007 smurfland. Posts: 17346 Ex saxo owner.

    #21 10th November 2014, 21:03

    True story this but i once had an assessor get narky with me because i had aftermarket wheel trims on the car.not a saxo but an austin metro,he relented after a while.
22. griff_106 Established Member Joined: Nov 2011 Kent Posts: 1305 Daily: 2015 Juke 1.5dci Toy: 2002 106 Quiksilver

    #22 10th November 2014, 21:09

    Quote:

    Originally Posted by stevo67 True story this but i once had an assessor get narky with me because i had aftermarket wheel trims on the car.not a saxo but an austin metro,he relented after a while.

    Haha my brother-in-law once had a Rover Coupe with an optional (and assumedly rare) sunroof and an insurance assessor tried to tell him it was an aftermarket modification... lol.
23. oxass Infrequent Poster Joined: Sep 2014 Posts: 215

    #23 10th November 2014, 23:25

    Quote:

    Originally Posted by Ali123 cant pass with negligence anymore, its the owners responsibility to know

    Any modification not declared could void an insurance policy.
    There are millions of uninsured drivers on the road any car fitted with a non factory stereo that is not declared is uninsured.
    The majotity of the public could not tell the difference between wheel a and wheel b.
    And from a legal prospective a lot depends.on what you say to the insurance company when arranging the policy.
    When the insurer asks if the vehicle is modified if you you reply there are no modifacations you are liable if the car turns out to be modified.
    If your reply is to the best of my knowlege there are no modifications in legal terms you could not be held liable.